Insurance Claim Denials Lawyers in Sarasota
Insurance companies have a responsibility to honor their policies. Insurance claims denials can happen for a number of reasons. Sometimes insurers include fine print in a policy that explicitly excludes certain types of coverage. Sometimes claims are denied because insurers and policy holders disagree about the value of a claim. Sometimes insurance claims are denied because of miscommunication between the insurance adjusters and the policy holder. The key thing to keep in mind is that if your insurance claim has been denied, you have the right to dispute the denied claim. An insurance claim denials lawyer like the attorney at the Law Offices of Michael M. Raheb, P.A. may be able to assist you with reviewing your policy to help you understand coverage. Our firm may also be able to help by negotiating with insurance adjusters, and fighting for your rights either inside or outside of court.
If Your Insurance Claim Has Been Denied, Here’s What You Can Do
Getting a denial letter from your insurance company can make you upset and confused. Before you take legal action, it is important to be informed about your rights and your policy. If your insurance claim for property damage has been denied, here are some key things you can do to protect your rights:
- Read over your policy and make sure your claim is covered. Policies contain quite a bit of fine print. If you don’t understand what is or isn’t covered by your property insurance policy, you may want to seek the advice of an insurance claims denial attorney like the lawyers at the Law Offices of Michael M. Raheb, P.A.
- Ask your insurance adjuster to provide you a written explanation about why your claim was denied. Conversations you have over the phone should be documented, but having a written record of why the claim was denied can be helpful when negotiating with adjusters or when speaking to your insurance claim denial lawyer.
- If you cannot reach an agreement about what is covered under your policy or about the value of your claim, you may want to consider reaching out to an insurance claim denials lawyer like the attorney at the Law Offices of Michael M. Raheb, P.A.
There are some initial steps insurance holders may be able to take if their claim has been denied, but if, after reaching out to your insurance adjuster, you still don’t understand why your claim has been denied, consider reaching out to the Law Offices of Michael M. Raheb, P.A., an insurance claim denial law firm today.
When to Contact a Flood Insurance Claim Denial Law Firm
Standard homeowner’s insurance policies don’t cover flood insurance. This means that if your home is flooded and damaged by flood waters and you don’t have additional coverage for flood insurance, your flood insurance claim will likely be denied. If you live in a flood zone, it is likely you have purchased additional flood insurance coverage, especially if you have a mortgage. If your home has been damaged due to flooding, now is the time to read over your policy to determine whether you have flood coverage. If you do have flood coverage or purchased flood coverage and your claim has been denied, you may have the right to appeal your claim. Reach out to the Law Offices of Michael M. Raheb, P.A., a flood insurance claim denial law firm today. Our flood insurance claim denial lawyer can review your policy, negotiate with adjusters, and fight for your rights.
When to Contact a Fire Insurance Claim Denial Law Firm
Fire insurance is covered by most standard homeowner’s insurance policies. If your home or property was damaged due to a fire, your homeowner’s insurance should cover some, if not all, of your damages. One of the areas where there may be confusion in a fire damage claim involves the replacement of property in the home that may have been damaged due to a fire. There are different types of coverage available: replacement cost insurance and actual cash value insurance. Replacement cost insurance will cover the cost to purchase a new couch, television set, or other item damaged in a fire, while actual cash value insurance will cover the cost to replace a similar model of a similar age. Obviously, a used television set is worth less than a new one. So, actual cash value insurance may offer you a settlement that is lower than it might cost you to purchase new replacement items in the store. Another thing to keep in mind with fire insurance claims is that a standard homeowner’s insurance policy may not cover losses for valuable items like paintings, art, antiques, or other expensive electronics. You may need a rider on your policy to cover these items. Furthermore, if you have had to stay in a hotel because of fire damage to your home, have had to spend more money on food, or have had to buy clothes, your insurance policy may be able to cover you for these costs. If, after reading over your homeowner’s insurance policy, you still don’t know why your claim is being denied or why you are receiving a settlement that is lower than you expected, reach out to the fire insurance claim denial lawyer at the Law Offices of Michael M. Raheb, P.A. today.
When to Contact a Hurricane Insurance Claim Denial Lawyer?
Most standard homeowner’s insurance policies will cover hurricane damage, with the exception of damage caused due to floods. If your home was damaged in a hurricane, and you don’t understand why your hurricane claim has been denied, or why your settlement amount is lower than expected, the hurricane insurance claim denial law firm of the Law Offices of Michael M. Raheb, P.A. may be able to help you. Our attorney can review your policy, estimate the value of your damages and losses, and assist you with the next steps of your claim.
Let Our Insurance Claim Denial Law Firm Help You
The Law Offices of Michael M. Raheb, P.A. is an insurance claim denial law firm that may be able to assist you if your homeowner’s insurance claim has been denied. Insurance policies can sometimes have quite a bit of fine print, and the standard homeowner’s insurance policy may not always cover flood damage. However, understanding your policy and taking steps to protect your rights is essential after a disaster. If you have questions, you may want to reach out to the insurance claim denial lawyers at the Law Offices of Michael M. Raheb, P.A. today.