Dealing with denied insurance claims can be draining, especially if you have to rely on your coverage to manage unexpected losses. Without proper guidance, the complexities of claim disputes can lead to financial distress or missed opportunities for you.
Keep reading to learn what to do if your insurance claim is denied and how a bad faith insurance attorney can fight for your interests.
Before you decide on how to respond to your insurance claim getting denied, it’s important you determine whether the denial is based on bad faith or a valid reason. Typically, insurance companies deny claims for a handful of common reasons, including:
Keep in mind that not every case of damage will be covered by insurance. For instance, while Texas does require a level of liability coverage, an accident caused by an uninsured motorist may not be covered.
If you’ve had your insurance claim denied in Texas for a valid reason, you won’t be able to pursue further compensation. However, it’s still a good idea to consult an insurance attorney like Millin and Millin Attorneys to review the insurance claim denial and explore your options.
If an insurance company denied your claim in bad faith, that means they’ve acted unreasonably by breaching their duty to you, the policyholder. Bad faith insurance claim denials are illegal and can open the door to legal action. Below are some common bad faith tactics insurance carriers use:
If you’ve had an insurance claim denied due to bad faith, it’s important that you take action immediately to protect your rights and seek the compensation you deserve. Here are some of the steps you should consider:
In addition to the efforts you can take to attempt to get the coverage you’re owed from your insurance company, there are methods for getting funding for home damage. You can contact the Federal Emergency Management Agency (FEMA) to learn if you qualify. Make sure to also carry out any necessary and major repairs while you attempt to get coverage.
Yes, you will likely need a bad faith insurance attorney if your claim has been denied in bad faith. Companies in the insurance industry usually have large resources and legal teams to protect their interests. This can make it difficult for you to get the coverage you deserve.
Consulting skilled attorneys like Millin and Millin Attorneys can level the playing field and help you uphold your rights. Here’s why you should consider hiring an attorney:
If your insurance company is found to have acted in bad faith, you may be entitled to compensation beyond the initial policy limits. This compensation addresses the damages you suffered and the insurer's misconduct. Here are the types of compensation that may be available:
The challenges of a denied insurance claim can be stressful and confusing. Understanding your rights and the steps to take when facing bad faith practices can make the difference in securing the compensation you deserve. If you’re facing a denied car insurance claim or a denied homeowners insurance claim, don’t hesitate to get help from a capable bad faith law firm.
Consult a bad faith insurance attorney like Millin and Millin Attorneys for proper legal guidance that suits your situation. Our experienced attorneys can provide valuable insights, protect your rights, and help you pursue the justice and compensation you are entitled to under your policy.
Storms can be seriously destructive to our homes and property. If your home or vehicle has been damaged by a storm, you’re probably wondering what types of damage may be covered by your insurance.
Keep reading to learn more about the different types of property damage that may be included in a storm damage claim and how much your claim may be worth.
Keep in mind that the types of damage covered will vary depending on your policy. To determine what types of property damage are covered by your policy, you should review your policy and consult with an experienced insurance lawyer. A lawyer can give you an idea of the fair value of your claim.
In general, storm damage claims may cover the following types of damage:
Unfortunately, there’s no easy way to determine what you may be owed for your storm damage claim. Instead, you can consider the various factors that can influence the value of your home insurance claim:
Out of all the factors that can influence the value of your claim, one of the most important is your own behavior. To ensure maximum compensation for your claim, follow the tips below:
There are many potential pitfalls standing between you and a successful storm damage home insurance claim. To ensure that your claim is protected, you should consider reaching out to an experienced property damage lawyer.
The property damage lawyers at Millin & Millin have experience handling storm damage claims, and we can help you get whatever compensation you may be owed for property damage.
Water damage can be incredibly costly. If your water damage claim was denied, you’re probably wondering what your next step will be to try to get compensation. The good news is, there are steps you can take.
Keep reading to learn about what to do if your water damage claim is denied.
The first step to getting the compensation you need is to figure out why exactly your water damage claim was denied. A few of the common causes of water damage claim denial include:
An insurance attorney can help you determine why your claim was denied. What you may be owed, and how to get it. It’s important to seek assistance from an attorney to ensure that your rights to compensation are protected. There are lots of pitfalls standing between you and the coverage you need. Don’t face your insurance company’s high-powered legal team on your own. Get help from an experienced bad faith insurance attorney.
If your water damage claim was denied but you feel you are owed coverage, you can file an appeal in an attempt to overturn the insurance company’s decision. With that appeal, you should include any relevant evidence and documentation that you think could support your claim, including any documentation missing from the initial claim. Your insurance company will then assess your appeal and notify you whether or not the initial judgment will be reversed.
If your appeal was denied, or you feel your insurance company is treating you unfairly, you can file a complaint with the Texas Department of Insurance (TDI). The TDI can approach the insurance company on your behalf and kickstart a review of your claim. The TDI can impose fees for wrongdoing, and their actions may convince the insurance company to reverse your water damage claim denial.
If your TDI complaint was unsuccessful in getting you the results you feel you deserve, it’s time to file a bad faith insurance lawsuit. Bad faith insurance is improper behavior by insurance companies, including wrongfully delaying, denying, and under-investigating claims. If you feel your insurance company is acting in bad faith, a bad faith lawsuit may be your best option for getting justice. A bad faith insurance attorney can let you know more about what you can expect from the insurance lawsuit process.
Unfortunately, there are many valid reasons that your water damage claim may be denied. There are many exclusions that apply to specific types of water damage, and that can make figuring out whether or not you’re owed coverage a real challenge. If you’re unsure whether or not your insurance company has wrongfully denied your claim, you should get in touch with a bad faith insurance attorney for help.
The McAllen bad faith insurance lawyers at Millin & Millin have extensive experience helping our clients stand up to big insurance companies, and we can help you get the coverage you deserve.
Hurricanes can be incredibly destructive, and that destruction can leave you without a habitable place to live. That’s why hurricane insurance coverage is so important. Unfortunately, getting hurricane coverage may not be as easy as you would hope.
The sad fact is there are many reasons why a hurricane insurance claim may be denied. If your hurricane home insurance claim has been denied, keep reading to learn about seven possible reasons why.
The first reason why your homeowner’s insurance claim may have been denied is a failure to pay your premiums. When you get home insurance, you agree to pay a monthly premium in exchange for coverage in case of an accident or emergency. If you don’t pay your premiums, you won’t be able to access coverage for damages.
Another big reason why hurricane insurance claims are denied is a failure to file the claim within the dictated time limit. This time limit will vary from policy to policy, so it’s important that you check as soon as possible to determine how long you have to file. Many policies will give you less than a year to file your claim for relief.
Next, your hurricane insurance claim may be denied if you fail to properly document the damage sustained. You may also be denied if you fail to include damage documentation in your claim. You will need to have pictures showing the damage, an itemized list of damages, and documentation of any temporary repairs. Without this proof, your claim may be partially or fully denied.
Your home insurance provider might also deny your hurricane claim by arguing that the damage actually existed before the hurricane hit. The best way to prevent this type of denial is by having pictures of your home prior to the storm. If your insurance company is arguing that your hurricane home damage wasn’t actually caused by the hurricane itself, get in touch with an insurance lawyer to learn about your options.
After the storm has passed, it will be your responsibility as a homeowner to take any necessary and reasonable steps to prevent further damage. This might include things like boarding up broken windows or putting a tarp over a damaged roof. Don’t forget to document any money spent on repairs.
Perhaps most surprisingly, you can actually be denied hurricane insurance coverage if you fail to do enough to prepare your home for the storm. Basically, what this means is that your insurance company can argue that had you made the necessary preparations, the damage would not have occurred.
If your hurricane insurance claim is denied because you failed to secure the property, you should get help from an insurance attorney to learn what steps to take next.
Finally, your hurricane insurance claim may be denied for unfair reasons. While all of the other considerations listed above can be valid reasons to deny a claim, there are also bad faith actors who will deny your claim without just cause. For instance, they may misrepresent your policy to argue that your damage wasn’t covered. If you feel your insurance claim was wrongfully denied or denied for unjust reasons, a bad faith insurance lawyer can help you find a path to compensation.
As you can see, there are many reasons why hurricane insurance claims are denied, and the steps you take after denial will vary depending on the reason for that denial. If your hurricane claim is denied, you can reach out to a bad faith insurance lawyer to learn what to do to get the coverage you’re owed. In the case of a wrongful denial, a bad faith insurance lawyer can help you file an insurance adjuster lawsuit to fight for compensation.
Here at Millin & Millin, our bad faith insurance lawyers are dedicated to helping policyholders get the financial coverage they deserve. Don’t face your insurance company alone. Get help from a Millin & Millin bad faith insurance attorney.
Insurance is the best way to make sure you don’t end up in a financial hole after an accident. Whether your home suffers damage from a burst pipe, a fallen tree, or theft, insurance coverage will, ideally, help you recover without many financial issues.
However, that doesn’t mean making a claim is easy. You may not know if you have coverage for the type of claim you need to make or even how much you’ll receive in compensation.
By understanding some of the most common homeowners insurance claims, you’ll be able to understand which areas of coverage you need most and be able to better protect yourself from a bad faith insurance denial.
The single most common homeowners insurance claim is for damage caused by storms and high winds. Severe weather like hail can cause damage directly while high winds can knock down tree branches that then fall on your property.
Part of the reason this is the most common is because these conditions happen virtually everywhere in the country. More extreme weather, such as hurricanes and tornadoes, will also result in insurance claims but only certain areas tend to experience these types of weather events.
Fires are another common type of insurance claim frequently made across the nation. House fires can have many causes including a short in the home's electrical system.
Fire damage tends to be covered in most policies, although some may not cover the full cost of rebuilding a heavily damaged home. In this same vein, lightning strikes can cause fires and other damages, and tend to be covered under most policies.
Wildfires are less common, but they can still happen virtually everywhere. While these types of claims are typically covered, you should be sure to read the fine print to know exactly what sort of fire incident is covered in your policy.
Water damage can be incredibly damaging to a home. Leaking pipes can cause a creeping rot while the damage caused by a pipe bursting can lead to more severe damage.
It’s important to note that floods are typically not included in basic policies and additional forms of coverage are required to protect you from this type of incident.
If you want to make sure your insurance claim is approved, you need to know exactly what your plan covers and how much it is likely to pay out. While some plans take into consideration wear and tear, others will pay for a complete replacement of the destroyed item at the current going rate.
If you made a claim that was rejected unfairly, you have options. Millin & Millin can help you fight bad faith insurance denials. You deserve the compensation you paid for, and the best way to get it is to ask an experienced attorney for help.
We offer FREE consultations to help you determine if your case may involve bad faith.
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The loss of property is an unfortunate circumstance that no policyholder wants to have to deal with. The only thing that can make it worse is to hear that your large-loss insurance claim has been denied.
If your claim is rejected, especially as a result of bad faith, you need to know who to turn to next.
The McAllen bad faith insurance lawyers at Millin & Millin are here to explain the steps you can follow to lower the possibility that your claim is denied by your insurer.
Understanding and taking your role as a policyholder seriously is vital to avoid a claims denial. By having a solid grasp of what your policy covers and does not, you’re more likely to prevent a denial in bad faith.
Follow these steps to correctly do your part:
The idea of losing something as important to you as a home or other large property is horrific, so to imagine your insurance company would take advantage of your situation and deny your insurance claim in bad faith is even more unthinkable. That’s why the bad faith insurance lawyers at Millin and Millin are here to help.
