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Florida Insurance & Litigation Lawyers / Orlando Denied Insurance Claim Lawyer

Orlando Denied Insurance Claim Lawyer

Insurance denials are frustrating. Policyholders diligently pay their insurance premiums with the expectation that they’re covered when a natural disaster or other tragedy strikes. Instead, as far too many policyholders discover, they are left on their own to pick up the pieces and pay for repairs. Call Geyer Fuxa Tyler to speak with our Orlando denied insurance claim lawyer. You might appeal or pursue other legal action.

Why Was Your Claim Denied?

The language of the insurance policy determines the scope of coverage. For this reason, we always begin with the insurance contract. You should find your copy and read it, if you already haven’t.

Some common reasons for coverage denials include:

Policy exclusions. Insurance contracts will contain specific clauses that limit or eliminate coverage for specific risks or events. For example, you might have a homeowner’s policy that excludes fire damage. Some exclusions are common across the industry—for example, homeowner’s insurance will exclude flooding damage, so owners need to buy a specific flood insurance product. However, other exclusions are specific to you and your contract. Regardless, the language of the exclusion applies.

Ideally, exclusions should be drafted with crystal-like clarity. But language is often ambiguous, and disagreements arise over whether your claim falls within the exclusion. An insurer should cite the specific exclusion if that forms the basis of the denial.

Lack of evidence. Coverage disputes also arise over whether there is sufficient evidence backing up a claim. Suppose your roof is damaged in a hurricane. There is no dispute that this type of loss would be covered by your policy. However, the insurer isn’t convinced the hurricane really caused the damage—or that your roof is damaged at all.

A policyholder should keep detailed records of their losses:

  • Receipts
  • Invoices
  • Repair estimates
  • Photographs of damage
  • Video evidence of damage

A lack of documentation can sink a claim. Your carrier will argue that they can’t confirm the loss is covered because you haven’t backed up the claim.

However, some insurers can require excessive documentation. That is one way they drag out the claims process and put pressure on a policyholder to accept a low payout. Consult an experienced attorney if you are struggling to fully document a loss to an insurer’s satisfaction. You could be the victim of bad faith tactics, and we can put a stop to them.

Our Orlando Denied Insurance Claim Lawyers Can Help Resolve a Coverage Dispute

Geyer Fuxa Tyler has helped many policyholders successfully overturn a claim denial. Let us work with your carrier to figure out where the dispute stands. We can then argue a loss isn’t excluded, or we can help bolster a claim with sufficient documentation. When that doesn’t work, it might be time to file a breach of contract claim in court. Another option is to sue for bad faith when your carrier has acted in an unfair manner. Call an experienced Orlando denied insurance claim lawyer at our firm to discuss the current status of your claim and get answers to your questions.

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If you are having difficulty receiving coverage or compensation on your insurance claim, call our office for a free consultation. Several of our attorneys and staff members speak Spanish, and we are always here to serve you.

We take cases on a contingency fee basis, which means that our fees and costs are contingent on achieving a positive result for you. In many cases, however, our fees and expenses are paid mostly or entirely by the insurance company.

By submitting this form I acknowledge that contacting Geyer Fuxa Tyler through this website does not create an attorney-client relationship, and any information I send is not protected by attorney-client privilege.

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