If your insurance claim is denied, you may feel like you are fighting against a machine that is bent on outsmarting you. But don’t give up – there are ways to fight back and get the compensation you deserve. In this blog post, we’ll explore some of the options available to you if your insurance claim is denied. We will also give some tips on how to make the process as smooth as possible. Our Texas attorneys at The Voss Law Firm are experts in handling rejected, late and underpaid claims. Just because your insurance policy has been declined, doesn’t mean you are out of options. There are still many ways you can go about getting the compensation you deserve. Here are a few of them
Why was my claim denied?
There are a number of reasons an insurance company might reject a claim. The most common reason is that the cause of the damage is not covered by the policy. For example, most homeowners’ policies do not cover damage caused by earthquakes or floods. In addition, many policies include exceptions for certain types of damage, such as wear and tear or damage caused by insects or rodents. Below is a list of common reasons insurance may deny your claim.
- Submission deadline
- Non-payment of installments
- False allegations
- Insufficient documents
- Damage from condition excluded
- Damage to improvements undisclosed
How can I appeal a rejected claim?
The first step is to review the rejection letter from your insurance company to get a better understanding of their rationale. The insurance company is required by law to specify the reasons for denying your claim in writing. If you believe the information on which the refusal is based is inaccurate, you have some asylum options.
Contact the insurance company: If you have documents, photos, or other evidence that disproves the insurance company’s reasons for denying your claim, provide this information to the insurance company’s claims representative or manager. You can usually start with a phone call. You may even be able to email digital copies of your documents while you are online.
File a complaint with your state insurance commissioner: Insurance companies and agents are required to cooperate with the Department of Insurance’s investigation of consumer complaints. By filing a complaint, you can help hold them accountable and ensure that they comply with the law.
Consider mediation: In some states, insurance companies are required to offer free brokerage programs to their clients. This means that you can sit down with a representative from the company and a neutral mediator to try to resolve the dispute. The mediator will facilitate the conversation and try to help you come up with a mutually acceptable solution, but it is important to remember that this process is not binding. This means that even if you reach an agreement through mediation, the insurance company can still choose to reject your claim.
When do you consider taking legal action?
If the insurance company continues to give you the alternative, it’s time to contact an experienced insurance attorney. Many people think that they only need to consult a lawyer if they are planning to file a lawsuit. However, this is not always the case. In fact, there are many benefits to bringing in an attorney early in the claims process. For one thing, insurance companies are more likely to take your claim more seriously when you know you have legal representation. Additionally, an experienced attorney can help you navigate the often complex world of insurance claims. They can also provide guidance if your claim is denied or delayed. Ultimately, consulting a lawyer early in the process can save you a lot of time and frustration.
Voss Law Firm, PC has been protecting the rights of policyholders for the past 16 years, and in that time, we’ve recovered billions of dollars in settlements for our clients. Ready to see what we can do for you? Complete the online contact form or call our office at 888-614-7730 To schedule a free initial consultation with a member of our legal team. We work in emergencies, so don’t pay anything unless we win your case.