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Was Your Flood Insurance Claim Denied? Here’s What to Do

Florida Flood Insurance Lawyer
Being the victim of a flood is a frightening experience, but when you find out your claim has been denied, your world can turn upside down. Flood damage is oftentimes all consuming, meaning that the home and many possessions cannot be salvaged. However, there are steps you can take to potentially appeal your case if your claim was denied. Here's how.

1. Find Out Why Your Claim Was Denied

The denial letter you receive from your flood insurance company should state the reason for which your claim was denied. This specific reason is important, so if your denial letter does not include this information, it is critical that you contact your insurance company and speak with the claims adjuster that was assigned to your case. However, since there is a specific time frame in which you can appeal a denied flood insurance claim, you must act quickly. If you don't file an appeal within this time frame, you may lose your right to appeal.

2. Review Your Policy Documents

Get a copy of your policy documents and go over your coverage carefully. This may require the help of a seasoned insurance denial attorney. You'll need to review your coverage to determine if your claim was rightfully denied and you do not have flood insurance coverage for the particular damages that were caused, or if your policy does state that you should have been covered and your claim was denied in error.

3. File an Appeal

Contact your insurance company to determine how you should go about filing an appeal. Your insurance company may have a specific form that needs to be filled out, or you may simply need to write a letter stating the reason you are appealing. Again, it is important that you do this as soon as possible after you find out that your claim was denied.

4. Contact an Attorney

If you haven't done so already, you should consult with an experienced attorney to learn more about your rights after having a flood insurance claim denied, and what you can do to potentially have the denial reversed. Often, an appeal is more successful when the insured has an attorney on their side to advocate for them against insurance companies who may be acting in bad faith. At the Law Offices of John D. Ameen, P.A., we can help you appeal your denied insurance claim, and we'll work hard to get you the coverage you need after a devastating flood. Call now at (954) 763-4950.

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