What to do When the Insurance Company Refuses to Pay Property Damage
Many people don’t know what to do when a massive insurance company refuses to pay them for their property damages or when suing an insurance company for denying a claim is essential.
They don’t know if they can appeal the decision, stand up to the insurer, or take the insurance company to court and force them to pay on the claim.
What You Need to Know Before Suing Your Insurance Company For Denying Your Insurance Claim
If you have received a claim denial, ask for the reason they denied your claim. More specifically, ask your insurance adjuster to provide the reason for denial in writing.
The next step would be to file for an appeal. Appeal the decision if you believe the insurer is guilty of breach of contract and acted in bad faith.
If they refused to pay a legitimate claim or paid less than the full value of the claim, they more than likely acted in bad faith and you can proceed to suing an insurance company for denying a claim, acting in bad faith, and breaching your contract.
Although appealing to the insurance adjuster’s decision with the same company may seem like a waste of time to you, it is necessary to comply with the policy requirements.
More than likely, your appeal will be turned down because it is unlikely that someone else in the company will reverse another’s decision; however, it can happen. But, if it doesn’t, then you need to be prepared for going to trial.
This is when you need to turn to an insurance litigation attorney for help in suing an insurance company for denying a claim.
Before you put any more time into fighting your denied residential insurance claim, you need to find out if you really do have a valid claim.
A Texas policyholder lawyer can help by reading through your policy to determine if your damage should have been covered.
Having legal help and other vital protective measures in place will help you mitigate serious insurance claims issues from happening.
The following are things you need to have or do so that you will never lose a case when suing an insurance company for denying a claim.
- Get legal help from the get-go
It would be best if you hired a lawyer to help you file an insurance policy. This way, you will get the best insurance that you need and have in contract clauses that the insurer could otherwise use to deny your claims in the future.
Always remember that prevention is better than cure, and this principle applies to your property and insurance.
- Learn what’s in your policy
Review your insurance policy thoroughly and always re-read it whenever you are making changes in your house or business.
Some changes in your property can affect what you’ll get from your contract.
Find out all ways you can breach your contract and avoid doing those things, ensuring that you are following everything and not breaching anything.
- Do all necessary repairs and maintenance requirements
If your insurer finds any proof of negligence on your part when you are suing the insurance company for denying your claims, the sword’s edge can turn on you.
Remember that an insurance company will always try to find any reason for them not to pay you your claims. Do not give them any reason and do your part as a property owner.
Hire reliable maintenance providers and suppliers that can ensure the integrity of your side, plus, keep your life comfortable with a safe place to reside.
You need all the help you can get.
Sometimes all it takes is an experienced insurance claim attorney in your corner to make the insurance company pay you what they owe you. For a free legal consultation, call the Voss Law Firm at 281-549-8911 today.