Sarasota Denied Hurricane Claim Lawyer

Hurricanes increasingly cause massive damage when they strike land, and Sarasota residents are left to pick up the pieces after a devastating storm sweeps through. Helpfully, many people lean on their insurance company to pay out benefits for property damage to their home or losses to their business. What happens when your insurance company denies your claim? Although some denials are legitimate, insurers are often more focused on hoarding profits than upholding their end of a contract. Call our law firm to speak with a Sarasota denied hurricane claim lawyer about your dispute.

Why Insurers Deny Hurricane Damage Claims

Insurers have many reasons for why they toss a claim into the “rejection” box:

1. Your loss isn’t covered. For example, property damage insurance does not cover flooding. Many policies have additional exclusions, which you might have agreed to as a way of lowering your premiums.
2. You submitted a claim too late. You must follow the deadline set out in your insurance contract. If you are too late, then an insurer will deny the claim.
3. You have insufficient supporting documentation. An insurer might not think a hurricane caused the damage to your home, or you didn’t prove your loss. For example, you could submit unclear or grainy photographs of what you claim is a hole in your roof.
4. You stopped paying your premiums. You might have let your coverage lapse through nonpayment, which means no insurance contract is in effect.

Policyholders should receive a notice which explains the reasons for a denial. Read this letter thoroughly and preserve it to show to your lawyer.

Can You Dispute a Denial of Coverage?

Yes, but you should call an experienced lawyer quickly. Typically, we appeal and gather evidence to support your claim. There are often deadlines for appealing a denial of coverage.

The best evidence will depend on the reason for the denial. We need to be responsive to the reasons offered by the insurance carrier. Suppose they feel you haven’t proved your loss. We can bolster your claim with additional pictures or video, as well as an appraisal or report from a contractor.

Some disputes are resolved in negotiation with an insurance company, or we might have no choice but to file a lawsuit and litigate a claim in court. Insurance companies have dozens of lawyers on their payroll, so don’t try to negotiate a claim on your own.

Many property owners use a public adjuster to help with a claim. Although they are an excellent resource, they cannot perform legal tasks. Get the professional help you need.

Speak with a Sarasota Denied Hurricane Claim Lawyer in a Private Consultation

With the increase in hurricane activity, many insurers are fleeing the state or refusing to write new policies. Even those still in the market are denying claims at an alarming rate. Many property owners are struggling to pay for necessary repairs, sometimes years after a storm swept through. Call Fuxa & Tyler to speak with one of our Sarasota denied hurricane claim lawyers. We can discuss how we charge for our services and why we are the right choice for you.