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When the Insurance Company Refuses to Pay Property Damages

Many people don’t know what to do when a massive insurance company refuses to pay them for their property damages. 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 to Do When Your Insurance Company Denies Your 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 sue the insurance company for bad faith and breach of contract. Although appealing 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. 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 lawyer can help by reading through your policy to determine if your damage should have been covered.


Sometimes all it takes is an experienced insurance claim attorney in your corner to make the insurance company pays you what they owe you. For a free legal consultation, call the Voss Law Firm at 888-614-7730 today.

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The Voss Law Firm, P.C. represents clients on a local, national and international basis. We proudly serve companies and individuals along the Gulf Coast and around the globe on a contingency fee basis. Our law firm collects nothing unless we recover on our client's behalf.

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