What to Do if Your Homeowners Insurance Claim is Denied  

If you have submitted a claim through your homeowners insurance, you have likely already had to deal with an unfortunately circumstance such as a robbery, a fire, or even a flood. Unfortunately for some, this can get worse if the claim is denied. If you have had your claim denied, then you should follow these steps to see if there was anything you did wrong. You can also contact an insurance claim lawyer in West Palm Beach to help you through the process.

Review Your Policy

The first thing that you want to do is review your policy in detail. This should have been done before you submitted the claim but if you forgot, now is a good time to go through everything. You will want to review what is and is not covered by the policy. This can help you determine if the claim that you submitted should have been denied. If you cannot find a good reason for the claim to have been denied, then it may be time to look further into your situation to see what the issue may actually be.

Take the Time to Understand Your Denial

If your claim has been denied then you should have received a denial letter from the insurance carrier. In this letter, you should be able to figure out exactly why they denied your claim. there could be a variety of reasons such as the claim was not covered under the policy. However, it may be as simple as you did not go through the right protocol or provide them with the information that they needed in order to properly process the claim. If this is the case, then you should do your due diligence and provide them with what they need as part of a new claim.

File an Appeal or Seek the Assistance of an Attorney

If you really think that your claim has been denied without a good reason or that it should not have been denied after taking these steps, then it may be time to take further action. You can start by filing an appeal with the insurance agency and if that does not work, then next step is finding an attorney to help you navigate the process. You will want to find someone who has enough experience as an insurance claim lawyer in West Palm Beach so they know what they are doing and how they should handle your case.

Using an attorney for this process is the best option for a variety of cases. Working with an insurance agency can be difficult and without some legal power, you may not get anywhere. Contact Silver, Bass & Brams today to get started with your case.


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