Sarasota Denied Insurance Claim Lawyer
Insurance contracts contain a basic agreement: the policyholder will pay monthly premiums, and in exchange, the insurance company will cover losses when disaster or emergency strikes. Unfortunately, many policyholders discover that their insurance company is nowhere to be seen after a disaster. Instead of paying to cover a loss, the insurer denies a claim or even refuses to take a phone call. Call Geyer Fuxa Tyler to speak with our Sarasota denied insurance claim lawyer. We will step in to demand that an insurer follow the legal agreement you signed.
Was Your Denial Unfair?
Not every denial is valid. Insurance companies have grown aggressively by denying claims, even those with merit. They drag their feet and force policyholders to sue in court to receive coverage for a loss.
The insurance contract contains the full agreement between you and the insurance company. Usually, an insurer denies a claim on the following grounds:
- Your loss is not covered. Collision coverage for a motor vehicle does not cover damage to a home, and homeowner’s insurance doesn’t cover flood damage.
- Your loss is excluded. Some losses are normally covered in an insurance contract, but you might have negotiated an exclusion, typically to reduce your premiums.
- You notified the insurer too late. The policy probably provides a deadline for making a claim. If you waited too long, the insurer might stamp “Denied” on it.
- Your claim is incomplete or missing critical information. The insurer might be unable to process a claim because it lacks critical details.
- You have not proved a loss. As an example, your insurer might not believe your home suffered damage in a storm because you didn’t provide pictures.
- You intentionally caused a loss. An insurance contract will not cover arson if you burn your house down. Likewise, they might believe you drove your car into a lagoon but claimed it was stolen. They will deny claims for these reasons.
Your insurer should have provided specific reasons for a denial. They should also reference specific language in the insurance contract when doing so. Read your letter from the insurance carrier. If they didn’t provide one, then you should be suspicious. They might be unfairly denying a claim.
State law also creates duties for insurance companies. They have an obligation to act in good faith, which means promptly investigating a claim and paying a claim when it becomes obvious that the policy covers the loss. Some insurers violate these obligations, which is inexcusable.
Get Help for a Denied Insurance Claim from Our Sarasota Denied Insurance Claim Lawyers
Instead of fighting a faceless insurer on your own, you should call Geyer Fuxa Tyler to speak with our Sarasota denied insurance claim lawyer. We can review your policy and determine if a loss is covered. We can also help find additional information or evidence to buttress a claim.
Insurers often hope that claimants will give up or try to negotiate on their own. Those are serious errors. Instead, get experienced legal help that can make a difference. Our firm has an impressive track record of negotiating settlements and litigating cases to victory.