It doesn't seem fair. You suffered the effects of Superstorm Sandy and have had to deal with the aftermath of property damage and lost business. Now the insurance company tells you that your commercial insurance claim was denied. How could this be?
There are many reasons why your Connecticut insurance claim for Sandy damages could have been denied including:
- Not reporting your damages and losses within the amount of time specified by the insurance company
- Not making temporary repairs to prevent additional damages
- Not having the proper or enough insurance coverage
- Bad faith practices by the insurer
When your insurance claim is denied, ask the insurance adjuster for an explanation in writing (e.g., letter or email) why the decision was made. Additionally, ask the adjuster over the phone to show you in your insurance policy on what they are basing their denial decision. If you believe that the insurance company is wrong in their denial, you can do the following:
- Ask to speak with the insurance adjuster's supervisor
- Continue asking for that person's supervisor, and so on
- Look to your insurance policy on how to file a dispute
If you are still not satisfied and don't have the resolution you are looking for, it is best to talk with an insurance claim attorney to help you dispute your claim denial. An experienced commercial insurance claim attorney at the Voss Law Firm can help you understand your policy, why your claim was denied, if you are entitled to benefits under your policy, and fight to make sure you get the right settlement. Call us today at 888-614-7730 for a free consultation.