Miami Denied Property Claims
Helping Florida Policyholders Fight Back
Has your property claim been denied? You may feel as though you have run out of options, but don’t give up! You can appeal your claim. By collecting new evidence and working with an attorney, you actually have an excellent chance of getting the insurance company to approve your claim the second time around and receive the benefits you deserve.
At The Property Advocates, P.A., our entire practice is dedicated to handling insurance claims on behalf of our Florida clients. Our Miami attorneys can assist with denied property claims throughout the Miami area. If you believe your claim was wrongfully denied by your insurance company and need help fighting back, we will help you collect evidence that establishes the extent of your property damage and shows you were not negligent or otherwise at fault. With our client-centered approach and decades of experience in the insurance industry, we believe we have what it takes to help you obtain the fair and just compensation you deserve.
What Should I Do If My Property Claim Has Been Denied?
When your property has been damaged by water, fire, vandalism, or something else outside of your control, you turn to your insurance provider for assistance. So, what are you supposed to do if your claim is denied? Before panicking, take the time to review your claim and understand why it was denied and how you can fight back. You likely have more options than you think!
If your property insurance claim has been denied, we recommended doing the following:
- Understand why your claim was denied by reading the denial notice. Your insurance provider should have sent you a formal letter detailing the exact reason your claim was denied.
- Review your policy to make sure your claim was denied for good reason. If your policy does indeed make it clear that your claim isn’t covered, you may be out of luck. However, if you review your insurance and see that your rights under the property insurance policy have been violated, you or your attorney can bring any discrepancies to your insurance adjuster’s attention to appeal the denied coverage.
- Build your case. Your claim may have been denied simply due to lack of evidence or a mistake you made filling out paperwork, so take some time to strengthen your claim. Take pictures of the damage from all angles and extensively document your loss. You may also want to show that you are a responsible homeowner by providing proof you haven’t been negligent, such as records that show your property was up to code. If you have purchased devices or infrastructure to further protect your home, such as fire alarms or security systems, grab those receipts, too. Another option is to request an independent appraisal to get a second opinion. By building your own case, you are more likely to successfully appeal a denied property claim.
- File an appeal with the insurance company. Your denial notice likely came with instructions on how to appeal your claim. If not, contact your insurance company directly and inquire how to do so. Your claim may be approved after the insurance reviews your claim the second time around, especially if you provide new evidence in your favor.
- Consult with an attorney. Speaking with an insurance lawyer in your area is best when you first receive your denial notice. A denied property claims attorney can help review your policy, document your damage, and file an appeal with the insurance company on your behalf. If you have chosen to handle things on your own until this point, but the insurance company refuses to hear your appeal or denies your claim again, we strongly recommended consulting with a lawyer if you haven’t already. An attorney can assist you with the next steps and is especially invaluable if the insurance company has wrongfully denied your claim for any reason and is attempting to scam or trick you.
The decision on whether to hire a lawyer to dispute your claim denial is completely up to you. However, knowing when legal help could be beneficial isn’t always clear cut. Generally, the higher the stakes, the more likely working with an attorney is beneficial.
Examples of when taking legal action is recommended include:
- It is difficult to establish fault.
- The claim is expensive and/or complicated.
- The claim is large, such as a total loss from a house fire or tornado.
- You and the claims adjuster don’t agree on the extent and gravity of the damage.
- You don’t feel confident handling such insurance matters and prefer to work with someone with expertise on the subject.
Yet, the best way to determine whether legal help is right for you is simply to ask an attorney. Fortunately, most law firms that handle insurance claims—including this one—offer free consultations to prospective clients. These evaluations come with no fee or obligation, so you can explain your situation to a lawyer and get advice tailored to your specific situation at no risk to you. The attorney will let you know if your case is worth pursuing based on your discussion. If it is, from there you can choose whether to pursue legal action or not. It’s entirely up to you!