Sunrise Denied Insurance Claims Lawyer
Receiving a denial from your insurance company after filing a claim is stressful and frustrating. Unfortunately, too many homeowners find themselves in this situation every year. If your insurance company has denied your claim, there are some important next steps to take. You may have to appeal the decision to uphold your rights and receive the coverage you are entitled to. Our Sunrise denied insurance claims lawyer can help you do it.
Common Reasons for Insurance Claim Denials
Sadly, there are many common reasons for insurance claim denials. These include:
- Failing to prevent accidents: Property owners are expected to try and prevent damage to their property. For example, if you left candles unattended and a fire started, your insurer may deny you coverage.
- Insufficient documentation: It is important that you submit all necessary documentation such as photos, repair invoices, and more to avoid a denial.
- Insufficient repairs: You should repair all damage as soon as possible. For example, if you failed to repair a leaky pipe and then submitted a claim for mold damage, the insurer may deny you coverage.
- Disagreement on repair costs: Insurance companies use industry standards for determining what a claim is worth. These guidelines may not align with what you believe the damage is worth, but the insurer may not take that into account.
What to Do if Your Insurance Claim is Denied
It is natural to feel confused after learning that the insurance company has denied your claim. Typically, you will learn about an insurance claim denial after receiving a formal letter from the insurer. The letter should also outline the specific reason for the denial. It is important to carefully review this letter to determine if you agree with the reason for the denial or if you need to submit additional documentation.
If you do not agree with the insurer’s decision, you may be able to appeal the decision. If you plan on appealing, it is critical that you act quickly, as you likely only have a limited amount of time to file your appeal. After the insurer learns of your intent to appeal, they will review your claim again. Providing as much documentation as possible, and making sure it is properly organized, is critical to ensure the insurer reviews your claim in the best possible light.
You may also need to file a formal complaint. Insurance policies are contracts and if your insurer has been acting in bad faith, they should be held accountable for it. Filing a complaint with the Florida Office of Insurance Regulation can help ensure the insurer does not act in bad faith again, while also helping you obtain the coverage you need.
Our Denied Insurance Claims Lawyer in Sunrise Can Help After a Denial
If your insurance claim has been denied, do not go up against the provider on your own. At Geyer Fuxa Tyler, our Sunrise denied insurance claims lawyer can work on your behalf to uphold your best interests and help you obtain the best possible outcome. Call us today at (954) 990-5251 or fill out our online form to schedule a consultation and to learn more.