Like many people, you probably thought it was worth it to pay for homeowners insurance in case something disastrous happened. If your house was damaged in some way, you likely trusted that the insurance company would step in to help you with the necessary repairs. However, if you submitted a claim and it was denied, it’s only natural that you feel frustrated and confused about this rejection. Remember, it is in the best interest of the insurance company to not spend money, and a simple way to do this is to deny claims whenever it can. Let’s take a look at what you can do to fight back and hold the company accountable for the promise they made to you.
Step #1: Take a Careful Look at Your Claim
As soon as you receive a rejection from the insurance company, take a look at the language. In most cases, it’s dense, vague, and difficult to understand. Buried somewhere in there, the insurance carrier should give you at least one reason for why your claim was denied. If you still can’t determine what the reason is, or if you believe that the reason is invalid, it’s time to speak up and push back.
Step #2: Make Sure You Understand Your Policy
You can bet that insurers are extremely careful when they create their homeowners insurance policies. The terms of your policy will likely be dense, comprehensive, and cover dozens of pages, making sure to spell out every detail. Look carefully at your rights, and review your policy maximums. If you find that the insurer made a mistake or violated your rights in some way, you should be able to successfully appeal their denial, even if that means a court battle. Remember that if you have read over your policy and you still have questions, you should contact a knowledgeable insurance advocacy attorney who can help you understand your rights.
Step #3: Collect and Document Key Details
If you have enough reason to believe you can successfully contest their denial of your claim, you should take some time to gather any relevant documentation that supports your position. Photographs, documents, records, witnesses, and findings from an independent appraiser can all become key to persuading the insurer—and the court—to honor your claim. It’s wise to work with an insurance advocacy lawyer as you gather evidence so that you can be sure you are making strategic choices before you file an appeal.
Step #4: Working With an Attorney to File an Appeal
Once you are ready to officially fire back at the insurance company who has denied your claim, your attorney can help you file an appeal. Together, you will discuss what to expect from the appeals process, and you’ll gain an understanding of how to best prepare for this fight. Even if your claim is still denied, you have the option to take your case to arbitration or court. This can be costly, so it’s best to discuss your options with your attorney to make sure you are making the best decision for yourself, your family, and your future.
Has your homeowners insurer denied your claim? If so, Bevill & Bevill, LLC proudly offers insurance advocacy attorney services to clients in Jasper and throughout Northern Alabama. Call us at (205) 512-9550 today to schedule a free consultation.