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Reopen a Closed Home Insurance Claim

At The Morgan Law Group P.A., our insurance claims attorneys have represented thousands of homeowners throughout California, Florida, Mississippi, Louisiana, and Puerto Rico who have struggled to get their property damage claims properly paid by their insurance carriers.

The question we often receive is, “If my claim was closed by my insurance provider, can I reopen it? Or do I have to live with the outcome?”

All insurance policyholders have the right to know why their claim is being delayed, undervalued, or denied. The insurance company must provide a clear explanation of any of those scenarios, and report the fact that the insured has the right to dispute their decision.

If you have gotten this far, and your insurer is demanding you take what they are offering, or they will close your claim, you still have options. Here is what you need to know.

Consider Contacting an Insurance Claims Attorney

You can certainly revisit your insurance claim on your own (we will get to that in a second), but if you have already received insurmountable resistance from your insurance company, it may be time to involve a professional who can help.

You will need to contact a skilled insurance claims attorney in your state to get started. We represent home, condo, business, and other property owners in California, Florida, Mississippi, Louisiana, and Puerto Rico, so can help if your claim is in one of those states or territory.

We will help you review your coverage and understand exactly what the insurance company should have covered, before pursuing them directly for the damages your property sustained. This includes notifying the insurance company that we would like the claim reopened, the evidence reviewed, and all communications and negotiations to now go through our offices.

If we do not produce a positive outcome for your claim, you do not pay our legal fees.

Reopening Your Claim and Taking on the Insurance Company on Your Own

Reopening your insurance claim on your own will require you to take the same steps we would:

  • Review your homeowner’s insurance policy.
  • Gain a clear understanding of your property damage coverage, exclusions, and limits.
  • Reopen your property damage claim by sending a letter via certified mail to the claims adjuster (this is a requirement in most states).
  • Provide clear evidence that the damages were caused by a covered event.
  • Pinpoint where your coverage states your damages should be covered.
  • Outline the costs associated with your damages through professional assessments and estimates.
  • Keep records of your conversations, including the names of the employees and everything discussed.
  • Send follow-up emails summarizing your conversations to clarify any misunderstandings.
  • Negotiate the outcome to produce the result you deserve.

If the insurance company maintains its stance and refuses to budge on its initial offer, now is the time to contact our experienced insurance claims attorneys for help online or by calling 888-904-2524 to schedule a free consultation and learn how we can help you understand your coverage details and pursue the outcome you deserve from your insurance policy without further delay.