You pay your insurance premium regularly to protect your assets. When your insurance company denies your request for reimbursement after you sustain property damage, you may feel confused and unsure of how to move forward. On top of the stress that comes with harm to something you own, you now must worry about how to cover the costs of your losses.
You should seek legal assistance with your property damage filing as soon as possible. The skilled legal team at Kirk Law Firm knows what to do in situations like yours. We have extensive experience across the state of Texas and take on residential and commercial clients. If you are unsure of how to respond to a denied insurance claim, keep reading.
Steps to Take When an Insurance Submission is Denied
After a policyholder files a claim with their insurer, an adjuster will be responsible for documenting the details of the incident. After analyzing the facts provided, they will decide whether the claim will be accepted or denied. If they allege that the policy does not cover the occurrence, the carrier should send a formal letter stating what factors led to the decision. A policyholder can take some specific steps to respond to a denied insurance claim.
- Understand why. The denial letter or explanation of benefits (EOB) sent by the insurer should explain the reason for the denial, such as lack of coverage, errors in the request, or insufficient documentation.
- Verify coverage. The company is not always right. Policyholders should ensure they understand the terms of their coverage, including covered perils, deductibles, and exclusions.
- Work with one of our attorneys at Kirk Law Firm to better understand your policy and rights and assist with the following steps:
- Gather evidence, such as your policy, eyewitness information, photographs, and weather reports to support the claim.
- Contact the insurance company at the claims department number listed on the insurance card and ask for a more detailed explanation of the denial. A policy holder can ask for a review, and there may have been a mistake in the claims decision.
- Insureds have the right to appeal a denied claim. One of our attorneys at Kirk Law Firm can draft and send a letter to the insurance company outlining the wrongful claims decision and demanding payment of the claim.
Taking these steps increases a person’s chances of overturning the denial and getting the coverage they are entitled to.
How Could a Lawyer Help After an Insurance Company Denies a Request?
The insurer does not always get the last word. An attorney from Kirk Law Firm can help a homeowner fight back when their filing is denied:
- Unjust denials. Sometimes, a company will reject a request without giving a reason or relying upon ambiguous language. Our legal professionals have the expertise to challenge their decision.
- Underpaid claims. When compensation does not cover all losses or is far below the policy’s entitled amount, our seasoned lawyers can ensure homeowners get what they are owed.
- Policy interpretation. Contracts can be hard to understand, so paying attention to what is covered is important. Filing a claim for damage that is not covered or is specifically excluded will result in a denial letter. Our dedicated team can ensure the policy is interpreted correctly to protect your interests.
- Delayed payments. Legal intervention might be necessary to expedite your compensation if there are unjustified delays in settlements.
One of our lawyers can push back against large companies when you receive an insurance claim denial.
Reach Out to Kirk Law Firm for Help Responding to a Denied Insurance Claim Today
A rejection from your insurer does not mean you must give up on your claim. There are steps that you can take to rectify the situation. Our diligent legal team can help you appeal, file a letter, and provide guidance on your options. Call Kirk Law Firm today for a free consultation. We do not get paid unless we get your claim paid.
