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My Home Insurance Claim Was Denied - What Do I Do Now?

Protecting an investment as large and as important as your home with homeowners’ insurance should bring about a certain peace of mind. But for many homeowners, it does not, for they are all too familiar with bad faith insurance tactics some insurance companies may follow. In brief, bad faith insurance is the intentional denial, delay, or minimization of a claim by an insurer just to save that company money, not due to reasons that would actually validate the refusal.

Bad faith insurance claims are so prevalent, it can be difficult to trust any denial notification you get from your insurance company. How can you trust that they have truly acted within legal boundaries and with your fair treatment in mind? In situations with so much money on the line, it helps to be a little skeptical.

After your homeowners’ insurance claim is denied, you should:

  1. Review the denial notification: You cannot well contest an insurance claim denial if you don’t know exactly why it was denied, or why your insurer says it was denied, at least. Make certain you have a full understanding of what the denial notification lists as the reasons why your claim hasn’t been accepted. If you can’t figure out what the notification is trying to describe, it could be a telltale sign of bad faith insurance, which often relies on vagueness to discourage homeowners.
  2. Reread your policy: Once you have a grasp on why your insurance company denied your claim, you will want to align it with your own insurance policy. Does the reasoning make sense with the conditions of your contract? Or is it trying to use some sort of loophole you hadn’t known was there?
  3. Keep all communications: Make certain you create physical copies of any communication between you and your insurance company for your own records. If the reasons behind your claim denial do not add up, they could slipup and contradict themselves. You will want to evidence to prove it if it does happen.
  4. Talk to an attorney: Lastly but not least, you will want to get a legal professional on your side as soon as possible. With a bad faith insurance lawyer helping you investigate the denial, your odds of uncovering something illegitimate, if any such thing does exist, will increase exponentially. You will also gain a full comprehension of your rights as a homeowner and insurance policyholder that can give you a greater advantage.

The Morgan Law Group, P.A. can bring 40+ years of shared legal experience to your claim after it has been unfairly denied. If you live in South Florida, be sure to contact our Miami bad faith insurance attorneys as soon as you think you might have been slighted by an insurer. With our focus on civil litigation, we can help you learn quickly if you have a valid claim and what to do next if you do.