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How to Appeal a Denied Hurricane Damage Claim

USAttorneys

If you’re one of the many homeowners in Florida facing a denied homeowners’ insurance claim, you’re not alone. Thousands of residents across the state are dealing with this exact issue, and the government is well aware of the problem. So how exactly do you appeal your denied claim? What kind of steps do you need to take to pursue the best possible results? Do you need to hire a lawyer? Let’s find out:

Go Over the Details of Your Denial Letter

The first step is to take a long, careful look at your denial letter. In this letter, your insurance provider is legally required to inform you why your claim has been denied in a relatively straightforward manner. If the letter is intentionally vague or filled with difficult-to-understand legal terms, you can hold them accountable. Take your letter to an attorney and see if they can make sense of it.

If the reason for your denied claim is clear and obvious, ask yourself whether their justification is reasonable. There are only a few legitimate reasons for denying a claim, including:

  • You didn’t pay your premiums on time
  • You engaged in illegal activities on the property
  • The damage was pre-existing and not caused by a hurricane
  • The damage was not covered under your policy (for example, flood damage is not covered by most policies)

Appealing Your Denied Claim

In order to appeal your denied claim, you will need to get in touch with a lawyer. If you genuinely believe that your claim was denied for no reason, you can push back against your insurance provider. If they continue to deny you compensation, your lawyer can help you take the matter to the highest courts. Often, insurance companies will choose to provide you with the settlement you deserve rather than face an expensive, time-consuming trial.

You may need to provide evidence to prove that your claim was denied in an unjustifiable manner. For example, you might show before-and-after photos of the hurricane damage — proving that the damage was not pre-existing.

What if I Wasn’t Given Enough Compensation?

This is a common issue in Florida today. Many homeowners aren’t getting denied claims — but they are receiving settlement amounts that are woefully inadequate. For example, some homeowners are receiving settlements that cover just 10% of their total damages. If this is the case, it’s basically the same as receiving a denied claim — and you can push back against your provider in exactly the same way. In order to do this, you’ll need to get in touch with a qualified, experienced attorney who has helped those with hurricane damage in the past.

Where Can I Find a Hurricane Insurance Claim Attorney in Trenton?

If you’ve been searching the Trenton area for a qualified, experienced insurance claim attorney, look no further than Shochet Law Group. We can help you appeal your denied hurricane insurance claim with ease. Sometimes, legal assistance is all you need to push back against insurance companies and get hold of that crucial settlement. Book your consultation today to get started with an effective action plan.

Sources

  1. https://www.jdsupra.com/legalnews/florida-appellate-court-affirms-work-3267055/
  2. https://www.bizjournals.com/tampabay/news/2023/02/13/lawsuits-insurance-hurricane-ian.html

 

Shochet Law Group

409 N. Main Street
Trenton, FL 32693
(352) 354-4518 or (877) 548-9888
[email protected]

 

If you have further questions about this article or legal concerns, call 800-672-3103

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