If your home has been damaged in a hurricane, it can be devastating to learn that your claim has been denied by your insurance company. Many insurance companies may try to deny claims on the basis of pre-existing damage or other reasons. If your insurance claim has been denied, you have options to help you fight back. Learn what you can do to get the compensation you need to rebuild.
Insurance companies can be picky about what is covered and what is not. Even if your home was damaged in a storm, you may still find that your claim is denied for a number of reasons. Insurance companies may cite the damages as being related to uncovered losses, such as:
- Lack of maintenance.
- Preexisting issues that came with the property when you purchased it.
- Wear and tear from use.
- Damage from a lack of temporary repairs after a loss.
If your claim was denied due to pre-existing damage, it may be difficult to prove that the damage actually caused by a storm. It can also be difficult to recover damages for a part of your home that has already had a claim filed for it previously. If you believe your claim was wrongly denied, there may be steps you can take to have the decision reviewed.
It is possible to appeal your insurance company’s decision. Contact an experienced property damage lawyer and request that they review your policy. If your attorney feels that the damages your home has sustained should be covered under your policy, they can contact the insurance company on your behalf and request an appeal. Your lawyer will have an outside expert inspect your home and provide a report to your insurer, and they will build a case for your claim. You may be able to recover the compensation you deserve. It isn’t uncommon for insurance claims to be denied fairly, so it may be worth the trouble to take a closer look at your policy.
Preventing Your Claim From Being Denied in the Future
Preexisting damage can easily derail your claim, and insurance companies are reluctant to pay out when a home has pre-existing damage. You can take steps to help minimize the impact of pre-existing damage on your future property damage claims.
- Review your coverage and understand how maintenance and pre-existing damage is handled.
- Inspect your property regularly for potential problems, and report them as needed to your insurance company.
- Thoroughly inspect your roof for damage, since a small leak can cause a significant amount of damage later.
- Take “before” photos of your home. Dated photos and video should be taken at the start of the storm season to document your home’s condition.
- Have a repair professional inspect your home for potential problems and make necessary repairs.
Protect your claim with help from our New Orleans property damage attorneys. We can fight for your needs and help you receive the compensation you need to repair your home. Contact Scott, Vicknair, Hair and Checki, LLC today at (504) 502-7316 to begin your case.