The Andres Lopez Law Firm

Explore your options when a homeowner's policy claim is denied

Many people in South Florida will, at some point in time, likely need to file a homeowner's policy claim. Weather damage is a big problem in the local area, but that is what insurance is there for: it is there when you need it, and you pay monthly premiums for that service. Unfortunately, sometimes these claims are denied by the insurance carrier.

When an insurance claim on a homeowner's policy is denied, it is important to explore the available options. But, for starters, it is most important to get the insurance company's reason for denying the claim. Is the company asserting that the claim in question is not covered by your insurance policy? Or that the damage occurred at a time when the insurance policy was not in effect? Or, perhaps even worse, that you failed to meet an obligation under the insurance policy?

Insurance companies have been around for a long time and they know how to make insured individuals and families feel like any mistake was made on their end of the deal. Homeowners will need to be sure to carefully review their insurance policies so that they know their obligations and rights when it comes to an insurance claim.

Unfortunately, sometimes even the smallest of disputes with an insurance company can lead to quite an inconvenience for South Florida homeowners, as well as lost funds. However, homeowners should know that they may be able to pursue a legal claim against an insurance company if they believe that a claim was wrongfully denied. Homeowners who have exhausted all other options may want to consider the merit of a legal claim.

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