Today we’d like to start our article by providing you with an unfortunate, but common scenario. Imagine that you arrive commute back to your home and find it to be robbed or vandalized. As anybody else would, you then decide to call the police and file a claim with your insurance company. As you wait for an owed compensation to come in so that you can repair your damaged property, your world then turns upside down in a negative manner. This is because just when you believe that your insurance company will protect you, they instead opt to send a letter in the mail informing you that your claim has been denied.
So, what are the next steps after dealing with such terrible news? This is a question that many people find themselves asking after their home insurance claim has been denied. Luckily, we are here to put your mind at ease and provide you with clear facts on how to overcome this hardship. In that regard, please continue to follow along, as we discuss the most prevalent reasons for a home insurance claim denied and why hiring a home insurance lawyer is the best option in making make sure that you receive the compensation that you’re entitled to a.
Why Was Your Home Insurance Claim Denied?
- Lack of Cover: Although home insurance protects you against a range of hazards, it does not cover every kind of damage. If the cause of the damage is not listed among the covered events in your insurance, your claim will be denied. For example, if you have a fire policy but your house is flooded, the company will not cover the repairs.
- Not Filing on Time: You must contact your insurance company as soon as possible after the damage occurred. The insurance policy requires that you notify them within a certain period of time, usually from 30 to 180 days, depending on your South Florida house insurance If you don’t file within this timeframe, you will end up dealing with a house insurance claim denial.
- Non-payment of Premiums: Most policies require that you pay your premiums in full and on time in order to remain active. If you let your policy lapse, the company may still honor your claim, but they may charge a higher premium or deduct the amount of time you were without coverage from the total payout.
- Non-disclosure of Facts: When you apply for home insurance, the company will ask you a series of questions about your home and property. It is important that you answer these questions truthfully and accurately.
You may think that some details are not important, but if the company finds out that you lied or omitted information, they can use this as a reason to deny your claim.
- Damage Caused by Negligence: If the damage to your property is a result of your own negligence, it will lead to a house denied claim. For example, if you leave your house unoccupied for an extended period of time and it is vandalized, the company may refuse to pay for the repairs because you did not take proper precautions.
Hire A Homeowners Lawyer Today!
If you are facing a Florida denied claim, do not hesitate to obtain expert advice from an insurance claim attorney. They will be able to guide you through the process, protect your interests, and help you get the justice you deserve. Contact a house insurance lawyer today.