You get homeowner’s insurance for a specific reason. If something damages your home, property or belongings, the insurance company is supposed to help compensate you for that loss.
Therefore, it can be incredibly frustrating when they deny your claim. Now, what are your options? Can you appeal their decision?
What are the grounds for the denial?
Florida residents are used to the whims of the weather, and having the proper homeowners’ insurance is a necessity. So, if your claim is denied, your first step is to understand why. Your insurer is required to give you a written explanation for the denial, which can include reasons such as:
- Lack of coverage under your policy
- Failure to pay premiums
- Missing information
- Insufficient evidence of damage
You should carefully review this document, as it will form the basis of your appeal. You will need to thoroughly understand the specifics if it is denied due to lack of coverage. This can help you counter any reasons they gave you for the denial that you believe are incorrect.
Be sure to collect additional evidence that supports your claim. This can include:
- Photos or videos of the damage
- Repair estimates
- Records of home maintenance
Write a formal appeal letter to your insurance company. Include your policy number, the details of your claim and why you believe the denial should be reversed, supported by the evidence you have gathered.
If your appeal is unsuccessful and you think the insurance company has acted in bad faith, you can file a complaint with the Florida Department of Financial Services. State law offers mediation to settle certain homeowners’ insurance disputes.
Navigating the appeal process can be overwhelming, but you don’t have to do it alone. Having experienced legal guidance can help you review your options and find the one most likely to have a favorable outcome.