Dealing with hurricane damage can already be stressful. Having your insurance claim denied can add to that stress more. Here are a few things you can do if you ever face a denied insurance claim.
Know your rights
The Florida Homeowner Claims Bill of Rights outlines your rights as a policyholder. Familiarize yourself with these rights to ensure your insurer complies with state regulations.
Understand the reason for denial
Carefully review the denial letter from your insurance company. Common reasons for denial include claims of pre-existing damage, insufficient documentation or procedural errors. Understanding the specific reason for denial is crucial for determining your next steps.
Review your policy
Examine your homeowner’s insurance policy to ensure your coverage includes the damage you claim. Pay close attention to the terms and conditions and any exclusions that might apply. Florida law requires insurance companies to explain coverage and exclusions clearly in their policies.
Gather evidence
Support your claim by collecting all relevant evidence, such as photographs, repair estimates and any correspondence with your insurance company. You can strengthen your case by keeping detailed records if you need to dispute the denial.
File an appeal
Insurance companies typically offer an internal appeal process. Submit a written appeal along with any additional evidence that supports your claim. Be sure to adhere to any deadlines specified by your insurer.
Seek mediation
Florida law provides for mediation as an alternative dispute resolution method. This mediation program can help policyholders and insurers resolve disputes without going to court. Mediation can be a less costly and quicker way to settle your claim.
Consider legal action
If mediation does not resolve the issue, you may need to consider legal action. Consider asking for professional help in your insurance damage claims. Remember that you do not have to do this alone. Legal assistance is available if ever you need it.
