The fallout from a hurricane can be astronomical, and many people are left wondering just what their insurance company will cover. It can be shocking when an insurance company denies a claim, and families often believe they have little to no recourse left. Here's what to do when your hurricane insurance claim is denied.
Insurance Companies Make a Living From Denying Claims
The first thing you must realize when dealing with an insurance company is that it is not in their best interest to pay out on a claim, no matter how legitimate the claim is. Insurance companies make money by denying
claims, and adjusters often look for any reason they can to do so. Understand that the insurance company's first response is going to be a denial, but also know that you still have options available to you to recover the payout that you deserve under your policy.
Why Are Hurricane Insurance Claims Denied?
There are many reasons why a hurricane insurance claim
may be denied. One of the biggest reasons is that insurance companies have difficulty separating wind damage from flood damage. Even though both types of damage can occur with a hurricane, many hurricane insurance policies will not pay out on flood damage. They will deny the claim and suggest you file a claim with your flood insurance coverage, if you have any. However, insurance companies will often attempt to categorize damage that occurred from high hurricane winds as flood damage in order to avoid paying out on the claim.
When to Contact an Attorney
An attorney is an excellent asset to have as soon as you learn you'll be filing a claim. Your lawyer can help ensure that the claim is free from errors when it is submitted and can communicate directly with the insurance company on your behalf during the settlement negotiations process. If your hurricane claim is denied, your lawyer can help you bring a lawsuit forward against the company for acting in bad faith.
At the Law Offices of John D. Ameen, P.A., we have the skills and resources to assist you with your hurricane damage claim. When you and your family are devastated after a hurricane, we can provide you with the support and legal representation you need during this difficult time. Contact us today for a consultation by calling (954) 763-4950.