Is Your Hurricane Sally Property Damage Claim Denied or Underpaid?
Help is Available with HL Law Group
If you have been denied payment or believe you have been underpaid on a Hurricane Sally claim, you may still be able to recover your loss. HL Law Group focuses its practice on property damage claims, and we represent the insured only – not the insurance company. Our dedicated group of 10 attorneys and 40 staff members handle first-party property insurance claim litigation caused by weather events ranging from hurricanes to hail damage.
There are a number of reasons homeowners insurance claims are denied by insurance companies including:
1. Late Payments: Late premium payments can cause coverage lapses. When this happens, you’re at risk of property damage occurring when your home is technically not covered. Schedule a reminder so that your premiums are always paid on time.
2. Insufficient Information: It’s your responsibility as the homeowner to file and prove your claim. Providing detailed documentation of the property damage and a complete inventory of valuables on your property prior to the loss is essential.
3. Taking Too Long to File: Know the timeframe requirements stated in your policy for filing claims. The longer you wait to file, the greater the chance your claim will be denied.
4. Claim Type Excluded in Coverage: Understand what’s covered and what isn’t in your homeowners policy. Some common policy exclusions include floods and other regional risks. You may want to consider purchasing additional policies to fill in coverage gaps.
5. Damage Doesn’t Exceed the Deductible: If the estimated loss is below the amount of your deductible, your insurance company probably won’t pay on the claim.
6. Wear and Tear Damage: Routine maintenance is an important aspect of home ownership and plays a significant role in the claims process. There’s a chance your claim will be denied if an adjuster finds evidence of poor maintenance or damage that’s a result of normal wear-and-tear.
7. Fraud Threat: Another reason to provide detailed and accurate information on your claim is that anything you state in your initial application or claim that raises questions can also raise the suspicion of fraud, resulting in the denial of your claim.
Get to Know Your Homeowner Claims Bill of Rights
The Florida Department of Financial Services provides a resource for Florida homeowner policyholders to help in better understanding insurance coverage and the claims process.
The Homeowner Claims Bill of Rights includes the following advice to help you successfully navigate through the claim process and increase the chances of a satisfactory outcome.
1. Contact your insurance company before entering into a contract for repairs to ensure you adhere to the repair provisions included in the policy.
2. Make and document emergency repairs that are necessary to prevent further damage. Keep the damaged property, if feasible; keep all receipts; and take photographs of the damage before and after any repairs.
3. Carefully read any contract that requires you to pay out-of-pocket expenses or a fee that is based on a percentage of the insurance proceeds that you will receive to repair or replace your property.
4. Confirm that the contractor you choose is licensed to do business in Florida. You can verify a contractor’s license and check to see if there are any complaints against him or her by calling the Florida Department of Business and Professional Regulation. You should also ask the contractor for references from previous work.
5. Require all contractors to provide proof of insurance before beginning repairs.
6. If the extent of the damage requires you to leave your home, secure your property, turn off your gas, water, and electricity, contact your insurance company to provide a phone number where you can be reached.
Understanding your homeowners insurance policy and the claims process can be confusing and overwhelming. With many years’ experience assisting clients with their policies, HL Law Group can also help you better understand your policy and its terms.
HL Law Group is a boutique law firm that focuses its practice on property damage insurance claims. Call (855) 713-1212 or email us at firstname.lastname@example.org for more information on how we may be able to help you with your claim.