Miami Denied Home Insurance Claims
Helping Florida Homeowners Get the Coverage They Deserve
Your homeowners insurance is designed to protect your property from natural disasters, theft, and other mishaps. It’s important that property owners have this resource to turn to when something goes wrong. So, what happens when your insurance company doesn’t uphold their end of the deal and wrongfully denies your insurance claim?
It may not feel like you have options, but The Property Advocates, P.A. can help. We provide aggressive legal advocacy to ensure that you are fully compensated in a timely fashion for a legitimate property loss claim. Our legal team can assist with every stage of denied home insurance claims in Coral Gables. Let our attorneys deal with the insurance company so you can focus on getting your life back on track. We will do whatever it takes to fight for the coverage you deserve.
What To Do When Homeowner's Insurance Denies Claim
Unless your policy states outright that the damage your home has suffered is not covered, you should be able to file an appeal and resubmit your claim. An attorney can assist you with this process to ensure your claim is done correctly and the insurance company covers your losses adequately.
Common Reasons Why Claims Are Denied
Don’t panic! There are plenty of reasons your claim may have been denied, both reasonable and not. For example, you may have forgotten to submit a form or made a mistake on your paperwork, which is likely an easy fix. Or, more frustratingly, it could be that your insurance policy doesn’t actually cover the damage your property has suffered. Finally, your insurance company may be engaging in “bad faith,” meaning they denied your claim despite its validity in order to try to save themselves money.
What Do Most Homeowner’s Insurance Policies Cover?
No two insurance policies are alike, but most insurance companies offer the same basic homeowners insurance package. Your policy likely covers damage to your home and other structures on your property (e.g., a shed or garage), personal property coverage to replace lost possessions (clothing, furniture, and electronics, etc.), and liability coverage.
Most homeowners insurance policies in Florida cover damage caused by:
Most policies do not automatically cover:
- Birds, vermin, and insects
- Damage caused by the government
- Flood damage
- Intentional losses
- Power interruptions
However, what is covered will vary from plan to plan as mentioned. The best way to ensure you are set up to get the coverage you desire is to review your policy, including the fine print. We are happy to assist you with this if you don’t know what to look for or in case the contract uses confusing jargon—or if you simply want a second opinion. Insurance policies are often written to be purposefully difficult to decipher so that the insurer can take advantage of their policyholders. We are here for you in the event your insurance company uses bad faith tactics against you to deny or delay your valid homeowners insurance claim.
If after reviewing your policy you believe the insurance company should have paid for your losses and has therefore wrongfully denied your claim, your next step is to get legal advice as fast as possible. By consulting with an insurance lawyer in your area you can determine what your options are, if any, and learn what rights you have under the law. An attorney can help re-investigate your claim, accurately record and estimate the cost of the damage, and hold your insurance company accountable for paying you the benefits you are rightfully owed. If they continue to refuse to cooperate, we will file a lawsuit on your behalf and are willing to take them to court if necessary. We will not stop until you have received the coverage you deserve.