Hurricanes can cause a lot of destruction and leave a trail of damage, mostly in the form of ruined houses and lost livelihoods, especially in vulnerable areas. Duly paying for insurance should come with some peace of mind, but most homeowners get frustrated by the denied claims at the worst possible time. Here is why an attorney can be handy when dealing with denied hurricane insurance claims.
Why Is the Hurricane Insurance Claim Denied?
Knowing why hurricane insurance claims are denied can help homeowners know when it is time to consult with an attorney. Here are some common reasons:
- There was not enough evidence to support the damages.
- Some damages may be excluded as stated in a certain term on a policy.
- Failure to file a claim within a certain amount of time allowed can deny the claim.
- Disputes Over Damage Extent: Insurers might argue that the damage isn’t as extensive as claimed or attribute it to pre-existing issues.
How an Attorney Can Help
- Evaluating Your Policy: An experienced attorney can thoroughly review your insurance policy to identify what should be covered and any loopholes the insurance company might exploit.
- Gathering Evidence: They can gather all the evidence that would be needed to work well in your case. This may be specialist assessments, photographs, and many detailed reports.
- Managing Communication: There is usually complicated jargon that is used by insurance companies. A lawyer can directly communicate with the insurer for you, ensuring your rights are well protected.
- Settlement Negotiation: Lawyers know how to negotiate a fair settlement. They use their knowledge to fight lowball offers.
- Litigation Support: If your claim has been wrongfully denied and you haven’t been able to negotiate, your lawyer files a lawsuit and represents you in court for the right to receive compensation.
Why hire a local Naples hurricane insurance lawyer?
They are acquainted with all the concerns Naples homeowners have about hurricanes. Local lawyers are aware of all state laws and local laws that may impact them; therefore, they can be an attorney’s advantage in the quest for a fair claim. In addition, they are well aware of the insurance psyche of Florida-thus putting them in the best position to deal with your case.
Consumer Help Group: Support for Naples Homeowners
Consumer Help Group is dedicated to assisting residents with living through denied claims and hurricane after-effects. We put homeowners in touch with established legal professionals, who can be an advocate for their rights and act to get the compensation they should receive.
Steps To Take When Your Claim Is Denied
- Read Your Denial Letter: Sit down and read your denial letter thoroughly. This will ensure that you fully understand why your claim was denied.
- Gather Supportive Evidence: Gather additional documentary evidence that supports your claim, including any revised repair estimates or extra photographs.
- Consult an Attorney: Seek the assistance of an attorney with a specialty in denied insurance claims.
Helpful Resources
- Florida Division of Consumer Services: When filing complaints or understanding the state’s rights with regard to insurance, get pertinent information.
- Florida Bar Association: Locate a certified attorney in your area.
- FEMA: Disaster-related assistance and recovery information.
Dealing with the aftermath of a hurricane is quite trying without the added stress of a denied insurance claim. Hiring a Hurricane insurance attorney in Naples at the Consumer Help Group can make all the difference in getting the support and expertise needed to fight back toward a fair outcome. For Naples homeowners, this means facing financial hardship and rebuilding with confidence. If the claim is denied, then call up or reach out to trusted legal professionals through the Consumer Help Group and start the journey to fair compensation.
