Unfortunately, property damage can occur at any given moment. A common mistake that homeowners commit is thinking that their properties will never be damaged. Sadly, in the State of Florida, the weather can cause us more trouble than we think.
In addition, damages caused by fire or vandalism can definitely arise in the blink of an eye. To better deal with these, the majority of homeowners pay a monthly fee to cover any future damages.
However, there are times when home insurance companies deny individuals’ claims and there are several reasons why that can happen. Nonetheless, you can still appeal this denied claim. However, negotiating with insurers can be quite difficult as they often lure homeowners into accepting unfair monetary settlements.
That is why you’ll require the expertise of a home insurance claim lawyer. You are in your right to fight for your rights, and our legal experts will make sure you receive justice. Here, we will discuss the recurrent reasons why insurers deny property damage claims. Also, stay tuned to learn the advantages of hiring a home insurance attorney.
What Are The Most Common Home Insurance Claims?
- Vandalism and malicious mischief are among the most common homeowners insurance damage claims. Examples of vandalism are known to be broken windows, graffiti, damaged garden, and damage to fences.
- Nature induced property damage is very common as well. Examples of these are wind and hail. In addition, in Florida, we often experience storms, hurricanes, and even floods. Strong winds, water, and hail can damage rooftops, windows, and house sidings.
- Fire and lightning damages can lead to very expensive repairs. These can be provoked by electrical failures within the property or natural disasters.
Why Do Home Insurance Firms Deny Homeowners’ Claims?
- Not Filing Your Claim of Time: Most home insurance companies require policy holders to notify them in a timely manner of property damage. So, if you do not file your home insurance claim quickly, your insurer may not cover your losses.
- Exclusions in Your Policy: Every home insurance comes with exclusions within the policy. Some instances of these are damages caused by natural disasters such as tornadoes and floods.
- Insufficient Documentation of Damage: When you file a property damage claim, you must prove your losses to your home insurance company. Both a lack of documentation of property damage and loss can lead to a denied home insurance claim.
- False Statements or Questionable Claims: After the incident, home insurance firms will send their own adjusters to investigate your claim. If they find anything suspicious or questionable involving the original application for coverage, they could deny it.
- Wear and Tear Damage: When homeowners acquire an insurance policy, they must keep up with regular maintenance and repairs. Additionally, every asset within properties has a lifespan.Wear and tear exclusions keep home insurance companies from responsibility if the damage is caused by the insured’s failure to repair or maintain aspects of the property.
What Are The Benefits of Hiring Home Insurance Attorneys?
- Usually, homeowners are not aware of the proper coverage that they are entitled to receive. For that reason, home insurance companies may take advantage of this issue and approach homeowners with unfair settlements.
- However, one of our South Florida home insurance lawyers can negotiate with these firms about proper settlement.
- Filing a property damage claim can become very complex if you do not understand your own policy. Nonetheless, your Miami homeowners insurance attorney can help you file your claim.
- Our Fort Lauderdale home insurance law firm will carry out investigations into current and previous home investigations. Furthermore, they can lead audits and provide your insurer with evidence about the damage to your property.
- Our home insurance lawyers in Miami can examine your policy to determine the payments that the company is required to make.
- At Home Owners Claim Denied, you will not have to pay us any fees unless we recover for you.
Seek Legal Representation at Home Owners Claim Denied Right Away!
We thank you for taking your time in reading our article. We are the offices of Home Owners Claim Denied, the best home insurance attorneys in the State of Florida! We will not rest until you receive the correct monetary settlement.
You deserve justice for the losses and damages to your home. What are you waiting for? Contact us at 954-471-6244.