My Property Damage Claim Was Denied, What Are My Options
Posted January 5, 2015There’s nothing that can ruin your mood like an unexpected expense. People have insurance to help shelter them from just these kinds of expenses. However, sometimes the insurance company that you are relying on doesn’t come through for you. Rather than paying your claim, they deny it. If this happens to you, here are some things you can do.
Review Your Policy
It is important that you know and understand the language and provisions in your insurance policy. Sometimes the things that you think are covered by your policy actually aren’t covered at all. Other times, the insurance company says that they aren’t responsible to cover something that is actually covered according to your policy.
Another reason to know your policy is that your the claim may be approved, but they have assigned a maximum coverage limit that is lower than what they should be paying. If you don’t know your policy well, you may be getting paid less than what you should be getting.
Review Your Claim
If your claim is denied, it is important to know why. By reviewing your claim you may catch an error that was missed by your claims representative. A simple typo can sometimes cause a claim to be denied. By reviewing the claim, you may also be able to discover a faulty reason for the claim being denied.
Appeal
Once you’ve reviewed your claim, begin to gather evidence and organize your argument for why you believe the claim was wrongfully denied. Write out in detail what happened, including any details that you remember from the incident. Witnesses who can speak on your behalf, photographic evidence of the damage, and any professional opinions that you can gather will be helpful to your case.
Contact Us
You don’t have to face this alone. At The Bennett Law Firm, we can help. Dealing with insurance claims that are wrongfully denied is what we do. In fact, that’s all we do. We have the knowledge and experience to help you with your insurance claim. We will work diligently to get you the compensation that you deserve in order to cover the damage to your property. Don’t miss out on the money you deserve. Schedule a free consultation online or call The Bennett Law Firm at 405.272.0303 to discuss your legal options with an experienced Oklahoma City lawyer today. No Recovery, No Fee!