What to Do If Your Florida Home Insurance Claim Is Denied

Learning your Florida home insurance claim was denied is the last thing you need after your home has suffered damage. But there’s no need to panic. A denial doesn’t necessarily mean you’re out of options. There are several potential reasons for this decision and steps you can take to challenge it.

Understand The Reason For Your Florida Home Insurance Denial 

Your insurance company’s letter will provide a detailed explanation for denying your claim. Read the letter carefully and compare it with your homeowner policy documents.
 
While each claim is unique, there are a few common reasons for the refusal. Your policy may not have been active due to non-payment or other issues when the incident happened. Standard policies in Florida don’t typically cover certain types of damage, such as floods or sinkholes. It could also be a misunderstanding, or you didn’t provide enough documentation to support your claim.

Get in Touch With Your Insurance Company

Open communication with your insurance company may resolve any errors that lead to the claim denial. When placing the call, have all your documentation handy, and don’t hesitate to ask any questions about their reasoning.  

Sometimes, a simple phone call can solve misunderstandings or clerical errors that may have caused your claim to be refused. Your insurance company may ask for additional evidence that could lead to reversing the decision.

Appeal the Decision

You have the right to appeal if you believe the refusal was unwarranted. Write your insurance company a formal letter that outlines why you want them to reconsider. Include additional documents and reference the specific parts of your policy supporting your claim. Consider drafting your appeal with the help of a lawyer or an independent insurance adjuster.  
As stressful as dealing with a claim denial can be, knowing your rights and working with your insurance company may turn the situation around. Don’t leave your home unprotected. Get a quote from DTR Insurance Group in Deerfield, FL, today.