Insurance Claim Denial Lawyers in Cape Coral, Florida
Was your homeowner’s insurance claim recently denied? Do you have questions about what is and isn’t covered by your homeowner’s insurance policy? Is the amount of money your homeowner’s insurance company offering to pay you for your damages less than what you expected, or is it insufficient to cover all the repairs and replacement to your home and lost items? Insurance claim denials can happen for a number of reasons. Sometimes the answer is simple. A policy may sometimes exclude certain types of claims or a policy may have strict limits and deductibles. But sometimes, claims are denied because adjusters don’t have sufficient information. Other times claims are denied because of miscommunication between the homeowner and the insurance adjuster. And sometimes claims are even denied in bad faith. If you have questions about why your homeowner’s insurance claim was denied, the Law Offices of Michael M. Raheb, P.A. in Cape Coral, Florida may be able to help you. Our insurance claim denial lawyer can review your insurance policy, gather information to support your claim, and assist you with the next steps.
What You Can Do Right Now If Your Insurance Claim Was Denied in Cape Coral, Florida
There are several things you can do right now if your insurance claim was denied in Cape Coral, Florida. While it can be very stressful to hear that your insurance claim has been denied, you have rights and may even be able to appeal the denial. Here are some things you can do right away:
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- Read your insurance policy again. Make sure that you aren’t trying to make a claim for excluded coverage. Review your deductibles and limits. Did you purchase additional flood coverage? If not, your standard homeowner’s policy may not cover flood damage. Many questions about why your claim has been denied can be answered by going back to the language of your policy. If you read your policy and still don’t know why your claim has been denied, the insurance claim denials lawyer in Cape Coral, Florida at the Law Offices of Michael M. Raheb, P.A. may be able to help.
- Ask for a denial letter. If you have been told you were denied over the phone, ask the insurance company to send you the denial in writing. This way, you can review why your claim has been denied and compare these reasons to the language of your policy. Sometimes the letter might reveal that your adjuster was missing crucial information that you can easily supply. In some cases, the situation can be resolved. If you still don’t understand why your claim was denied after reading your letter, reach out to the Law Offices of Michael M. Raheb, P.A., an insurance claim denial law firm in Cape Coral, Florida today. We may be able to help.
Finally, if you still have questions about why your claim was denied after taking these steps, you may want to seek help. The Law Offices of Michael M. Raheb, P.A. is an insurance claim denial law firm in Cape Coral, Florida that is here to help you. Contact us today to learn more.
Why Was My Flood Insurance Claim Denied in Cape Coral, Florida?
Many flood insurance claims may be denied in Florida because homeowners may simply not be aware that they don’t have flood insurance coverage. Standard homeowner’s insurance coverage doesn’t include flood protection. However, if you have a mortgage and live in a flood zone, you may have been required to purchase flood coverage. If you do have flood insurance and your claim has been denied, you may have the right to appeal the denied claim. The Law Offices of Michael M. Raheb, P.A. is a flood insurance claim denial law firm in Cape Coral, Florida that may be able to help you. Reach out to our flood insurance claim denial lawyers today.
Fire Insurance Claim Denials in Cape Coral, Florida: What You Need to Know
Fire insurance claims may be denied because you have exceeded your policy’s limits or because the damage was less than your deductible. If your settlement was lower than expected, this could occur for many reasons. With fire insurance coverage, homeowners may be able to make a claim for damaged items in their home. However, the amount of money you’ll receive will depend on whether you have replacement value insurance or actual cash value insurance. Replacement value insurance is a more valuable type of insurance that will cover the cost of purchasing new items that were lost. Actual cash value insurance will consider the age of the items that were lost in a fire and provide you a settlement for the value of these items with depreciation included. Basically, the difference between these two policies is the difference between buying a new television and buying a used television. With replacement cost insurance, your insurer can give you a settlement to buy a new television (of similar model) if yours was damaged, while with actual cash value insurance, your insurer will only give you a settlement to pay for a used television.
When it comes to settling a fire insurance claim, documentation is essential. Your adjuster may want to see receipts or photos. This can lead to a complex claims process. However, you don’t have to navigate this alone. The Law Offices of Michael M. Raheb, P.A. is a fire insurance claim denial law firm in Cape Coral, Florida that may be able to help. We can help you navigate the challenges of providing documentation to your insurance company and can help you find solutions to challenges in the claims process.
Denied Hurricane Claim in Cape Coral, Florida? You are Not Alone
Many Florida residents are still struggling to settle a denied hurricane insurance claim. If you are one of them, you may have rights. Denied claims can be the result of miscommunication, lost documentation in the aftermath of the storm, and can sometimes be the result of insurance bad faith. The Law Offices of Michael M. Raheb, P.A. is a hurricane insurance claim denial law firm in Cape Coral, Florida that may be able to help.
Our Insurance Claim Denial Lawyer in Cape Coral, Florida May Be Able to Help
There are many reasons why an insurance claim may be denied. The Law Offices of Michael M. Raheb, P.A. in Cape Coral, Florida can help you get to the bottom of the situation. If you have questions about your denied claim, or why your settlement is lower than expected, reach out to the Law Offices of Michael M. Raheb, P.A. in Cape Coral, Florida today.
