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.
Home insurance can help you feel more secure when storms come, but the truth is that getting coverage isn’t always so easy. Even when your insurance company isn’t acting in bad faith, there are several reasons why your homeowner’s insurance claim may be denied.
If your insurance claim is denied, your insurance company may or may not inform you as to why that denial occurred. An insurance attorney can help you figure out the path forward if your insurance claim is rejected.
Keep reading to learn about a few common valid reasons why homeowner’s insurance claims are denied, and get in touch with a bad faith insurance attorney to learn what coverage you may be owed.
The first and most obvious reason that claims are denied is the policyholder’s failure to pay monthly premiums. If you fail to uphold your part of your insurance agreement by paying for your monthly premiums, your insurance company may rightfully deny any claims made under that policy. If this is the reason your insurance claim was denied, you may not be able to do anything to get coverage.
Next, some home insurance policies will deny coverage for damage caused by specific natural events. For instance, flooding caused by rain often isn’t covered under home insurance policies. Be sure to carefully check your insurance policy for any exclusions. If you aren’t sure whether or not your claim should have been covered by your policy, you can talk to an insurance lawyer.
After your property is damaged, you have a limited amount of time in which to file a homeowner’s insurance claim for coverage. Usually, you have one year from the time of the damage during which to file a claim; however, this time limit can vary, so it’s important to check your specific policy. If you fail to file a claim within the amount of time specified by your policy, you may be unable to get coverage.
After a storm or other natural disaster has occurred, your home can be left severely damaged. Sometimes, that damage undermines the home’s integrity, potentially leading to further damage not directly caused by the initial incident. For instance, if wind damages your roof badly enough, a separate rain storm could cause significant harm to your home’s interior. That damage likely won’t be covered, and it could jeopardize your ability to get coverage for the initial roof damage.
Damage to your home can be incredibly inconvenient and costly, but insurance coverage is meant to cover that cost. If your homeowner’s insurance claim is denied, you could be left paying for the damage out-of-pocket. If you think your home insurance claim was wrongfully denied, you may be able to file a bad faith insurance lawsuit to get the coverage you’re owed.
Insurance companies can afford to pay high-powered legal teams to defend their judgments. Don’t put your settlement at risk by facing your insurance company alone. Get help from an experienced bad faith insurance attorney.
