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Storm Damage Claims Denied? Get Help Opening Your Doors Once Again

The 2017 hurricane season was rough on Florida and while there has been a lot of focus on helping homeowners recover from storm events, businesses suffered too. Small businesses are crucial to helping communities recover – they need to get their doors back open right away. Unfortunately, that might not be possible after a major event like Hurricane Irma without receiving compensation from your insurance company.

Insurance Should Protect You When You Need It

Your business insurance policy should include property insurance coverage, which, just like your residential homeowners insurance policy, should protect you from devastating financial loss if your business or home-based business was damaged by a storm. But sometimes, insurance companies deny claims. When this happens home and business owners find themselves having to foot repair and replacement costs themselves or, even worse, face the possibility of closing down the business or losing their home.

Do not give up if you find yourself in this situation! It’s not unusual for home and business storm damage claims to be denied. However, a denial does not mean you aren’t entitled to compensation under the policy. Insurance companies are required by law to act in good faith and investigate all claims. If they don’t do this, they are in violation of the law and may be sued by the policyholder.

Any time you have suffered a significant property loss due to storm damage, you should talk to your insurance agent or an insurance attorney to see if the damage is covered under your policy. Many common types of storm damage including wind, water, mold, and structural damage, are covered by basic property insurance policies. Furnishings and equipment may be covered too, but the only way to know for certain is to get someone out there to investigate it. Don’t take no for an answer!

Get Help With Home And Business Storm Damage Claims

Navigating insurance coverage can be confusing, particularly when you factor in specialty coverage options like flood insurance or hurricane insurance. If your business or residential storm damage claim has been denied, contact The Beregovich Law Firm for advice. We will examine your policy for coverage inclusions and compare that to the claim and denial to determine whether or not the claim should have been denied. We can represent you to the insurer, negotiate settlements on your behalf, and take the issue to court, if that is what is necessary to helping you reopen your business or move back in to your home.

Contact The Beregovich Law Firm for a free consultation by calling (800) 631-9009 or email us at info@beregovichlaw.com to arrange your no obligation consultation.


Hurricane Damage Claim Denied? Don’t Accept No For An Answer Without Speaking To An Insurance Attorney First

Hurricanes represent a major risk for Florida properties. That’s why homeowners make sure their homeowners’ insurance policies include hurricane coverage – and pay for that coverage. But all too often, we hear from homeowners whose hurricane damage claims are denied by their insurer – even when there is obvious damage due to the event and the policy is current!

That’s not right. It’s not fair to responsible homeowners and it’s not something you have to accept. Just because your insurance company denied your claim does not mean they are in the right and you have no hope of getting any kind of financial help to repair your home.

An unwarranted denial of coverage is considered a bad faith insurance practice and it’s illegal.

Your Insurer Owes You A Duty To Act In Good Faith

All insurance companies, in all states, owe their customers a duty to act in good faith. That means they cannot seek ways to deny your claim or escape investigating your claim just to avoid paying out on the policy. If hurricane damage is covered by your homeowners’ insurance policy, then your insurer must investigate the claim fairly and honestly.

Common damages that occur during a hurricane and that are usually covered by policies include: wind damage, water damage (but not flood damage), mold damage, and structural damage, but each situation is different. That’s why it’s so important for the insurance company to send someone out to investigate the claim, not simply deny it based on paperwork.

A Bad Faith Insurance Attorney Can Move Claims Forward

If you have filed a claim for hurricane damage and been denied or been offered a settlement that you think is too low, contact our bad faith insurance attorney right away. We can help you understand your policy, examine the claim denial and compare that against the claim filed, and help you argue your case to the insurance company. It’s very common for insurers to claim the damages occurred from something other than the hurricane event, but we can help prove that is not the case.

We help negotiate settlements outside of court, but if need be, we will go to trial to secure the compensation to which you are entitled.

Contact The Beregovich Law Firm for a free consultation by calling (800) 631-9009 or email us at info@beregovichlaw.com to arrange your no obligation consultation.


Consult Our Orlando Claim Attorney If Your Property Insurance Claim Has Been Denied

Few things are more frustrating for homeowners than submitting a property insurance claim and having it denied. Property insurance, or homeowners insurance, is supposed to help you recover after damage has occurred to your home by providing you with compensation so you can afford to make repairs. But many insurance providers will do all that they can to avoid paying out on the policy, leaving homeowners on the hook for the entire cost of the repairs. What’s even more insulting is when you receive that next policy premium notice, knowing that you may be paying premiums and get nothing in return.

We Will Fight For You When Your Home Insurance Claim Is Denied

Claim denials are all too common, but you don’t have to accept the denial! Insurance companies are not above denying a claim by saying the damage is not covered by the policy. If this doesn’t sound right to you, get a second (unbiased) opinion from our home insurance attorney in Orlando.

There are many different types of residential property insurance coverage and it is possible that your policy does not cover the specific type of damage you sustained. Flooding, for example, is usually not included in standard homeowners policies and must be purchased separately. But, other types of damage usually are covered. These include damage due to hurricanes, flooding, lightning, pipe leaks, fire, wind, and hail damage, vandalism and theft, and damage from trees.

Our Orlando claim attorney can review your policy, evaluate your claim, and advise you whether or not you should be covered by your policy. If the answer is yes, we can represent you in a claim dispute.

We have experience with:

  • Full claim denials
  • Partial payouts and lowball offers
  • Exclusions, exceptions, and statutes of limitations

For a full list of the types of home damage claims we handle, click here.

Arrange A Free Policy Review With Our Home Insurance Attorney In Orlando

If you believe your property insurance claim has been denied unfairly, contact Beregovich Law for a free policy review and case consultation.

Please call (800) 631-9009 or email us for a free, no obligation consultation.