What Should You Do if Your Fire Damage Claim is Denied in Minneapolis?

Minneapolis is currently dealing with serious wildfire problems, and homeowners are right to be concerned. With so much smoke and haze, it almost seems like we’re living in a post-apocalyptic wasteland right now. The last thing you want is to become homeless, but unfortunately, this is a reality for many individuals who lose their homes due to fire damage.

To make matters even worse, some individuals experience denied insurance claims after suffering fire damage. Even though they have been paying into their insurance policy for years, the insurance companies leave them without a penny, sometimes for extremely trivial reasons. If you are dealing with this situation, you should get in touch with a qualified, experienced attorney as soon as possible. Work with a lawyer in Minnesota who specializes in denied insurance claims, and you can resolve this situation in an efficient manner.

Wildfires are a Real Danger in Minnesota

In July of 2021, it was reported that authorities in Minnesota were working to contain several wildfires in the state. All of the fires were located in Superior National Forest, and they were blamed on a combination of dry air and lightning. Although considerable media attention has gone towards wildfires in western states like California and Oregon, Minnesota is clearly dealing with its own hazards.

Why Claims are Denied

Fire damage claims may be denied for a number of reasons. These include:

• Your home is underinsured
• Your policy is in arrears (you haven’t been making your payments on time)
• Suspicion of arson
• Illegal activities in the home
• Building code violations (like electrical work without permits)
• The home was unoccupied

Steps to Take After Your Claim Has Been Denied

If your homeowners’ insurance claim has been denied after your home has been damaged by fire, here are a few steps you can take:

1. Carefully Read the Denial Letter

Before you get too stressed out, make sure you have read every little detail in the denial letter. Insurance companies have to clearly explain why they are denying your claim in this letter.

2. Refer to Your Policy

Next, you’ll want to compare the exact wording in your denial letter to the wording in your insurance policy (under fire coverage). Make sure that the insurance company actually has an excuse to deny your claim.

3. Gather Evidence

If the language of your denial letter and your policy don’t provide any answers, you’ll need to gather as much evidence as possible. Collect receipts, take photographs, and do as much as you can to clearly show you have suffered legitimate losses.

4. Enlist the Help of a Qualified Attorney Today

If you are dealing with a denied claim after suffering fire damage in Minneapolis, it’s time to get in touch with a lawyer. Choose Tentinger Law Firm, P.A., and you can fight back against the insurance companies and get your hands on that crucial settlement. With the funds that you are legally entitled to, you can rebuild and continue with your life. Book your consultation today.

Tentinger Law Firm, P.A.

14665 Galaxie Avenue, Suite 140
Apple Valley, MN 55124
952-953-3330