Mortgage companies require Texas homeowners to carry insurance to protect their financial interests. However, these same providers often deny valid claims for a storm-damaged roof, fire, or other loss.
If you received an unjust denial, you are not alone. The skilled attorneys at Kirk Law Firm, PLLC understand the tactics these companies use and could help you take action. Contact us today to learn the common reasons homeowners’ insurance claims are denied and how to appeal.
What Are the Common Reasons for a Homeowner’s Insurance Denial
If you are like most Texas homeowners, a portion of your monthly income goes to an equity account that is used to pay expenses, such as your property’s insurance. Although you make this payment every month without fail, your insurer could deny your claim in bad faith. The common reasons for homeowners’ claim denials include:
- Missing filing deadlines or filing errors
- Policy exclusions or a non-covered event, and a lack of separate coverage
- Not enough evidence or improperly documented proof of the damage
- Wear and tear or poor quality maintenance
- A pre-existing condition
- Lapses in coverage due to non-payment
Although these reasons are common, they are not always fair. Contact an experienced attorney to learn how to file an appeal after your homeowners’ insurance claim has been denied based on one or more of these frequent issues.
How to Appeal a Denied or Underpaid Homeowner’s claim?
If you find yourself in the unfortunate situation of receiving a homeowners’ insurance claim denial, there are several options you can pursue to receive the coverage you need. To ensure the best outcome, we recommend seeking the advice of a seasoned attorney. Our team could compare the denial letter with your policy’s provision to determine whether your provider failed to act in good faith.
If so, we could help collect supporting evidence, such as estimates and photographs of the damage. After gathering evidence that strengthens your claim, we could present it to your insurer along with a notice letter. If these attempts at reconciliation are unsuccessful, we could pursue legal action to ensure you get the settlement you are entitled to under Texas law.
Get Advice from an Attorney Who Understands the Common Reasons for Denials and How to Navigate a Homeowner’s Insurance Claim
Contact the knowledgeable attorneys at Kirk Law Firm, PLLC for additional information about the common reasons homeowners’ insurance claims are denied and how to get the coverage to which you are entitled. Our Texas-based team could guide you through the property damage insurance claims process for the best chances of a settlement. Reach out to us today for a free case evaluation.
