FIND THE ANSWERS TO ALL YOUR INSURANCE CLAIMS QUESTIONS
Did your insurance company withhold benefits after you filed a claim to recover damages? If so, you are not alone. Luckily, you have the ability to retain legal counsel with an experienced insurance claim denial attorney, and we are here to help.
USAttorneys.com is committed to helping you find and retain an experienced insurance lawyer who can help you recover your due insurance benefits. Our site features quick and easy access to some of the best denied insurance claim lawyers in your state, including detailed information on each legal professionals education, case history, and successful verdicts to help you choose your ideal representative. Click on your state on the map above to start searching for an insurance dispute lawyer today.
FILING A CASE FOR A WRONGFUL DENIAL OF INSURANCE IS EASY WITH OUR HELP
Perhaps you have been involved in a car crash, or a loved one suffered a medical emergency. Maybe you experienced a natural disaster, and your home has exceeding amounts of damage. Any time the unthinkable happens, victims may be confused, upset, or unsure about how to go about handling these situations. Like many, you may have insurance coverage, and turn to your provider to file an insurance claim. After all, you are paying hundreds of dollars a month, and you trust your company to pay out the benefits you expect.
Unfortunately, this doesn’t always happen. More often than not, policy holders are denied insurance claims. Whether it’s because the insurer determined you didn’t submit sufficient proof, didn’t believe you deserved insurance benefits, or committed insurance fraud, insurance companies will use a slew of excuses to withhold compensation to policy holders. But the worst part about being denied insurance benefits is the fact that you will be left responsible to pay for a considerate amount of bills.
We want you to know that this is not ok. The first step in obtaining justice and receiving the compensation you deserve starts right here on USAttorneys.com. By retaining a lawyer to help you with your legal matters, you are that much closer to retaining your due coverage. The insurance claims attorneys featured on our site can assist you with filing a case for any of the following kinds of insurance policies:
Our insurance claims attorneys are qualified to help you address an issue that involves any of the following types of insurance policies:
Health care insurers are relied upon by everyone—the young, the old, the sick, the healthy, and those that just enter into our world. People of all ages need access to medical care, but many are forced to forgo it when their insurer doesn’t want to pay their claim and they are unable to afford the costly care they had rendered. If you’re health insurance company recently denied your claim, you don’t have to worry about trying to convince your insurer that it is their obligation to pay it—that is something our experienced insurance claim denials lawyers can do for you.
- Homeowners’/Renters insurance
When your home or rental property sustains damage from wind, rain, hail, fire, theft, vandalism, etc. you expect that your insurance carrier will cover your claim so that you may begin having the necessary repairs performed on your property. Because these claims can be rather costly to the insurer, they often try and find ways around paying you for what your damage is actually worth, or they outright deny your claim. This often forces homeowners to either pay for repairs out of their own pockets or accept an amount from their insurer that is far less than what they are entitled to.
But it doesn’t have to be that way. If your homeowners’ insurance company denied your claim or undervalued it, USAttorneys.com can help you locate a legal expert in your city who will challenge your insurer’s decision and demand they pay you the full value of your claim.
- Natural disaster insurance
If you purchased additional insurance to protect your home or property from a natural disaster (i.e. flood or earthquake) yet your insurer says that your policy does not cover the damage outlined in the claim, you can always appeal your insurer’s decision or even sue. When it comes to natural disaster claims, insurers often don’t want to pay not only because they are costly, but because they typically receive an influx of these types of claims all at once. However, if you do have coverage, then your insurance company is obligated to provide you with the benefits you are due.
Most property insurance policies do not cover floods which is why homeowners, renters, and business owners purchase flood insurance to protect them in the event their property floods and sustains damage. Unfortunately, because flood damage can be costly to cover, many insurers will look to find ways around paying out for a claim.
Your auto or boat insurer has an obligation to you, and that is, to provide you with the coverage you purchased. But, like all other insurers, companies that issue auto and boat policies often use the excuse “your policy doesn’t cover this” to get out of paying a claim. If your auto insurer denied your claim, whether it be for medical expenses, vehicle repairs, or both, our insurance lawyers are here to defend your rights as a policyholder.
Life insurance companies often deny claims that are filed during the contestability period or because they believe some of the information provided on the application was inaccurate. Challenging their decision can be difficult, especially if you are collecting benefits on behalf of a relative that died, so you will need to retain an insurance claim denial lawyer if your life insurance claim was denied.
We all know how costly it can be to bring a pet to the vet which is why most pet owners purchase pet insurance. While pet insurers say they are there to help you manage your pet health care costs, they often deny claims alleging your pet suffered from a pre-existing condition or that their condition is genetic.
- Workers Compensation insurance
Workers’ compensation benefits help workers who suffered an injury or illness on the job obtain the medical care they need along with a portion of their salary given they are eligible to receive these benefits. Sadly, many insurers that handle workers’ comp claims deny them leaving a worker with no way to obtain the medical care they need and/or without a way to meet their monthly financial obligations if their injury or illness has put them out of work.
- Business interruption insurance
Business interruption insurance is typically added on to commercial property policies and it “compensates you for lost income if your company has to vacate the premises due to disaster-related damage that is covered under your property insurance policy, such as a fire.” These policies also cover “operating expenses, like electricity, that continue even though business activities have come to a temporary halt.” Although business interruption insurance typically requires that a property suffer physical damage, coverage may be applied when your business is shut down by a government authority.
If your insurer denied your business interruption claim stating that your policy excludes coverage for things like government shutdown or viruses, bacteria, or pandemics, the denied insurance claim attorneys we work with are here to help you fight back against your insurer’s decision.
- Mortgage insurance, and many more!
If your mortgage insurance claim was denied out of bad faith or because your insurer claims you do not have coverage, our attorneys are qualified to help get the issue resolved.
Insurance attorneys not only available to intervene when an insurance claim is denied, but also when your carrier chooses not to process your claim in a timely manner or undervalues it.
Did you know that insurance carriers are required to process claims within a specific period of time? While each state has set its own deadlines for insurers to comply with, not all do. Therefore, if your insurer is offering you an amount that is less than what you believe you are entitled to or it has failed to process your claim within a reasonable amount of time, its time you contact USAttorneys.com.
RETAIN LEGAL COUNSEL WITH AN INSURANCE CLAIMS ATTORNEY TODAY
When emergencies occur and your insurance company decides to deny you coverage, you have the right to turn to an insurance attorney for assistance and to ensure you do not have your benefits denied. Whether you are filing an auto insurance claim, health insurance claim, or life insurance claim, you can trust in our network of highly acclaimed lawyers to assist you in recovering the compensation you are due.
There are multiple avenues that can be taken to get your insurer to approve your claim and provide you with the benefits you are entitled to receive. If you’re ready to address your insurance issue or have a legal question regarding an insurance-related matter, contact one of our attorneys today to schedule a free, no-obligation consultation.
Insurance law.
Insurance regulatory law includes statutory laws, administrative regulations and jurisprudence that governs and regulates the insurance industry. When providers do not adhere to state regulations, an attorney specializing in insurance laws can be of assistance through the review of policy contracts and policyholder guidance through insurance carrier disputes.
Homeowner insurance.
When an individual buys general insurance, the insurance company promises to pay a sum assured to cover damages to property, person, and health, losses due to theft. Homeowner’s insurance is a type of general insurance that covers individual, or nonbusiness property.
- Mortgaged property. Financial institutions must secure their financial interest in an insured’s property. This sometimes puts individuals at risk of accepting a subpar carrier that they might not otherwise make a contract with. When individuals purchase insurance and claims are denied, policyholders may need an insurance lawyer to fight for the benefits that were purchased.
- Insured peril. Recovery under homeowner’s policies is limited to losses due directly to the occurrence of an insured peril. Denial of legitimate claims on a paid-up policy could be an incident of consumer fraud, which is actionable in court.
- Storm coverage. Most homeowners policies protect against wind, hurricane and hail damage caused during storms, but every state has their own governing rules and laws and may be impacted by two kinds of wind damage deductibles, including hurricane deductibles, and windstorm (wind/hail) deductibles. There are currently 19 states that have mandatory hurricane deductibles, which also cover hail damage. They include Alabama, Connecticut, Delaware, Florida, Georgia, Hawaii, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia and Washington, D.C.
While hail damage is covered by standard home insurance in most states, it is best to consult with an insurance claims attorney who can explain how coverages are applied relevant to the impacts of property damage to hail events in a policyholder’s state of residence.
Hail damage payouts.
Hail-related insured losses between 2000 and 2019 averaged between $8 billion to $14 billion a year, according to Aon. There were 4,611 major hailstorms in 2020, according to the NOAA’s Severe Storms database with the top five named states for these major hail events identified as Texas at 601, South Dakota at 377, Kansas at 341, Oklahoma at 341, and Nebraska at 313. The threat of hail damage has spread from the traditional states of Colorado, Nebraska, and Wyoming through the Midwest, and south toward the Gulf Coast, and east toward Appalachia. Property owners may not be aware of hail damage to their roof, or the acceleration of aging and weathering caused by hail events, so it is always best to check for damage after a hail storm.
Car insurance versus homeowners’ insurance.
Homeowners insurance does not cover hail damage to an automobile, but comprehensive car insurance may cover hail damage. Since comprehensive coverage is optional, it may be wise to speak with an insurance claims attorney to see if damages are covered by any other situation before making a claim with an automobile policy.
Roof insurance claims.
Hail and accompanying winds are the two biggest contributors to roof damage. Every year billions of dollars of damage are caused to roofs in the U.S. alone by hail and wind. The dwelling coverage portion of a homeowners insurance covers a home, including the roof. It is common for a standard policy to cover roof damage from wind, fire, hail or the weight of snow. Policyholders should file a claim by:
- Documenting the damage with photos, measurements and estimations of the size of the hail.
- Contact insurer with policy number and detailed explanation of claim, review coverages and next steps to be taken.
- Collect three to four repair estimates from local contractors before insurance adjuster visit, but do not sign any contracts, or pay for any work until insurance adjuster and company follow up.
- Schedule insurance adjuster appointment and meet with them to discuss and assess damages and costs.
- Insurance adjuster will file a formal report with carrier.
- When claim is approved, hire a contractor. Insurance will usually pay half in advance and the rest after the project is completed, minus any deductible.
- In states where hail is less frequent, a standard homeowners policy includes hail damage to a roof as part of the protection coverage.
Hail intensity.
Hail is measured by intensity on a scale of H0 to H10 according to TORRO, a weather research group based in the United Kingdom), and Hailstrike, a Texas weather forensics company.
H0: 0.2 – 0.4 inches. Pea-sized hail. Usually does no noticeable damage.
H1: 0.2 – 0.8 inches. Mothball-sized hail. Makes holes in leaves and flowering plants.
H2: 0.2 – 1.2 inches. Grape-sized hail. Strips leaves off plants and damages garden vegetables.
H3: 0.4 – 1.8 inches. Walnut-sized hail. Breaks glass, scrapes paint and wood, dents metal.
H4: 0.6 – 2.4 inches. Table tennis ball-sized hail. Breaks windows, scrapes paint, kills birds.
H5: 0.8 – 3 inches. Golf ball-sized hail. Breaks roof tiles, dents cars, strips tree bark and cuts through branches, kills small animals
H6: 1.2 – 3.9 inches. Jumbo egg-sized hail. Punches through roof shingles, breaks window frames, leaves scoring in metal.
H7: 1.8 – 4.9 inches. Tennis ball-sized hail. Shatters roofs, breaks window frames, heavy damage to cars.
H8: 2.4 – 5 inches. Softball-sized hail. Destroys shingle, or tile roofs, damages concrete roofs, small trees are split, or knocked over, humans risk serious injury.
H9: 3.2 inches and up. Grapefruit-sized hail. Concrete roofs are broken, or destroyed, wooden walls are damaged, large trees are split, or knocked over, humans risk fatal injuries.
H10: 4 inches and up. Melon-sized hail. Brick and wooden walls are damaged, humans risk fatal injuries.
Hire a lawyer.
Experienced insurance lawyers are a valuable resource for policyholders when homeowners, or car insurance claims are denied after hail damage occurs. Attorneys are experienced with legal review of documents and can guide clients on necessary coverage purchases and contract language to protect their property.
