Key Steps to Avoid Insurance Claim Disputes
At The Morgan Law Group P.A., our Florida, Louisiana, Mississippi, and Puerto Rico insurance claims attorneys know that even the most prepared home or business owner can fall victim to insurance claims disputes, after suffering flood, fire, or hurricane damage.
That is because the homeowner insurance company will do all it can to avoid paying the full value of a claim.
Handling denied insurance claims can be a frustrating, complicated, and time-consuming, process without professional help. The key is to avoid the dispute altogether, so our clients have access to the financial support they are entitled to from their coverage.
Here are a few tips to avoid insurance claim disputes, so you can get paid faster.
Review Your Insurance Coverage & Prepare a Claim that Matches the Recovery Requirements
When it is time to contact the insurance company about property damage, be sure your due diligence pays off.
First, inventory the damages and provide the supporting evidence necessary to complete the claim, including pictures, video, and estimates for the repairs.
Be sure your submission procedures match the insurance company’s requirements — and fall under your coverage — to streamline the claim process.
While this seems obvious, keep in mind that the insurance company is not going to simply write a blank check for your property repairs or replacement costs. They will want to survey the damage on their own, which can also diminish your claim’s value. That is because the adjuster is an insurance company employee, and it is his or her responsibility to the employer’s bottom line.
Our skilled insurance claims attorneys can help you prepare your initial claim to meet the coverage provider’s criteria, so denial is less likely.
If your property damage claim has already been denied, we can also help you appeal the decision.
File Your Property Damage Claim Promptly
As soon as you can contact your insurance provider to alert them to the property damage, do so. Any delays in filing a claim may result in a denial. That is because the insurance company may require you to do everything you can to mitigate the damages, or they will blame you for the extended damage that resulted. That means they may deny the further repair expenses, leaving you to pay for the damages out of pocket.
Learn More About the Appeal Process By Partnering with a Skilled Insurance Claims Lawyer
If the insurance company has undervalued or denied your insurance claim, you can file an appeal that will force them to review the claim again.
Partnering with a skilled Florida insurance claim attorney will allow you to better understand your carrier’s policies, so you are in a better position to respond to their actions.
First, keep a record of the information you are given, along with the full name of the representative who managed your claim, if different from your regular insurance company contact.
Keep all correspondences regarding why the claim was partially paid, delayed, or denied.
These records can play a significant role in the future actions our law firm takes on your behalf, which could include appealing to higher levels, submitting complaints to the state insurance commissioner, and/or pursuing subsequent litigation.
Contact The Morgan Law Group, P.A. Today To Schedule a Free Consultation
At The Morgan Law Group, P.A., our Florida insurance claims attorneys believe that if you pay for insurance coverage, it should be there when you need it.
If the insurance company delays, undervalues, or denies your claim, contact our experienced insurance claims attorneys in Florida, Mississippi, Louisiana, and Puerto Rico at 888-904-2524 to schedule a free consultation and learn how we can help you pursue the outcome you deserve from your insurance policy.