Even though homeowners purchase insurance to protect their property when
it becomes damaged, not all home insurance claims are paid. While the
unique facts of your policy and your situation play a role in understanding
the reason for a home insurance claim denial, it is important to understand
that you have rights as a consumer, and that you can exercise these rights
following a denied claim.
Schimmel & Parks, APLC has earned a reputation as a proven Southern
California civil litigation law firm that advocates aggressively for consumers
and their rights. Over the years, we have helped many policyholders understand
their rights and navigate the legal pathways needed to obtain the financial
payouts they were entitled to under their policy, as well as many clients
after they were mistreated by their insurance providers.
home insurance claim was denied, we encourage you to contact our team so that we can review
your case, free of charge, and discuss your options. Because receiving
a denial can be a frustrating experience, we’ve put together a few
simple steps about what you can do.
Find Out Why – First and most importantly, you need to figure out why the insurance
company denied your claim. You can do so by reviewing the letter you should
have received from the insurance adjuster, which is supposed to state
a reason for a denial. Did the adjuster say that the claim is not covered
under your policy? Are they noting that there was a lapse in coverage?
Once you determine the reason, you may be able to correct simple mistakes
that led to the denial, such as not providing the correct documentation,
or take further steps to exercise your rights.
File an Appeal – If your claim was denied, or even if you were paid a partial amount,
and you do not agree with the decision, you have the ability to file an
appeal with the insurance company. In order to file an effective appeal,
it is important to know the reason for a denial, and take the steps to
address those reasons fully. Appealing a claim can be challenging, especially
when insurance company’s aggressively fight them. To assist you
in the appeals process, you can work with a member of our firm.
File a Bad Faith Insurance – Insurance companies have a duty to properly and promptly handle
your home insurance claim, and a duty to treat you fairly during the claim
or appeal process. If your attempts to resolve a claim have resulted in
denials, or if you feel that the insurance company has breached their
contractual obligation or violated laws that require them to treat you
fairly, you may be able to file a bad faith insurance claim. These claims
can allow you to pursue the payout you are rightfully entitled to, as
well as any other damages denials or the insurance company’s actions
created for you, including attorney fees. Our attorneys have extensive
bad faith insurance claims, and can discuss if you may have a valid case.
When you have property damage and an insurance company denies your claim,
you can face considerable setbacks and frustration. At Schimmel &
Parks, APLC, we want you to know that you are not alone. Insurance companies
commonly deny claims when they should not. After all, they are businesses
and they want to protect their bottom line. However, they should never
put profits above people. Bad faith insurance claims are one way to hold
insurance companies accountable when they do just that.
If you have had your home insurance claim denied and would like more information
about your rights and available options,
contact us today for a free consultation.