Home insurance is a necessary part of caring for your home. So, what do you do if a home insurance claim is denied for no reason? A great home insurance claim denial attorney is your first line of defense against insurance companies that would deny your claims.
What is Home Insurance Good For?
Home insurance is a type of insurance that you are required by law to hold on your home if you have any sort of loan or lien against the property. If you own your home outright you do not have to have home insurance. That is not to say that going without home insurance is a good idea. Home insurance helps to protect your home from things like fire, weather, burglary and more. It is essential if you want to be able to repair or rebuild your home, but you do not want to do so out of pocket.
Home insurance can help to protect your home and get you the help you need when your home is damaged or in need of repair. A good example might be after a storm, your roof is damaged badly and you need a new roof. You would pay your deductible and the insurance company would pay the rest ot have the roof replaced.
Why are Claims Denied?
There are tons of different reasons that claims may be denied. For starters, your claim may be denied if you have not provided all the information that is required, your claim may be denied if fraud is suspected, your claim may be denied if you have not paid your premiums and so on. When a claim is denied the insurance company has a duty to tell you just why the claim was denied so that you can then decide if you want to take further action or if you want to drop the claim.
They cannot simply deny a claim because they feel like it or even because you have used your insurance in the past. If you have a valid claim that can be backed and supported they do have to pay out or give an explanation that is satisfactory as to why they are denying the claim. Now, if your claim is denied, this does not mean that you have to accept that denial. You can then move on to the next step and contact an attorney to appeal the denial and to fight the denial so that you can then have a chance at getting your claim approved and at being certain that you are going to be able to move forward and get your home prepared.
What to Do If Your Home Insurance Claim is Denied?
When a home insurance claim is denied the first thing you want to do is ask the insurance company directly why the claim was denied. In order to be able to deny a claim, they have to provide a reason for the denial. They cannot simply deny it with no reason and they cannot cancel your policy if your premiums are paid up. If they do deny your claim, they have to provide a reason for the denial so that you can then figure out what your next steps are going to be.
If you feel that the claim was denied on false pretense or that it was denied and it should not have been, you can then move on to the next steps and appeal the denial. Though you can appeal a denial on your own, it is far better to do so with the help of an attorney. Claims denial attorneys are going to be well versed in insurance claims and how to deal with insurance companies that have denied claims.
They are going to know what information needs to be provided, they are going to know how to go about filing and refiling and how to add new information to the claim to possibly get it pushed through, and they are going to know how to talk to the insurance company to get the best result possible.
With the help of a great insurance attorney, you can get your claim reevaluated, you can get the insurance company to look at it again and to consider it again, and you can even get your claim passed through in some cases. It is very important to note that if you have paid up your premiums, and you have a valid claim, your insurance company is required to pay out.