What to Do When Your Storm Damage Insurance Claim Is Denied

When an insurance policy is in place, owners typically expect the insurer to cover these losses. Unfortunately, a denied storm damage claim can leave policyholders feeling uncertain and overwhelmed. 

Knowing how to respond when a storm damage insurance claim is denied is a critical step toward protecting personal and financial interests. Having a strategy in mind can provide a clearer path toward securing fair compensation for covered losses. Storm damage claim attorneys at The Morgan Law Group offer support to property owners facing these challenges in California, Colorado, Florida, Louisiana, Mississippi, North Carolina, Tennessee, and Texas. 

Why a Storm Damage Insurance Claim Is Denied

A denial of a storm damage claim usually includes a stated reason from the insurer. Common explanations often hinge on exclusions or limitations in the policy, disputed cause of damage, or allegations of insufficient evidence. 

In every state, insurance carriers are bound by statutes that require a prompt and fair response to policyholders. Despite this, some insurers may still issue a denied insurance claim for storm damage. 

Steps to Take After Your Storm Damage Claim Is Denied

Recognizing reasons for denied storm damage insurance claims helps guide property owners toward the best approach, whether that involves submitting additional evidence or pushing back on contested policy interpretations.

1. Review Your Home Insurance Coverage Carefully

A thorough reading of the policy is the first step once a storm damage insurance claim is denied. Property owners should look for coverage terms relevant to wind, hail, or water damage, as well as any deadlines or notice requirements. 

Important provisions, such as those pertaining to what qualifies as structural or interior damage, can shape the foundation of a response. When the policy is unclear, seeking guidance from experienced storm damage lawyers can clarify the interpretation and application of these provisions.

• Coverage Limits: Understand the maximum payout and whether it aligns with the scope of damage sustained.
• Exclusions and Endorsements: Some policies exclude certain weather-related losses or require additional endorsements (riders) for coverage to apply.
• Timing and Notification Requirements: Many policies specify timeframes for reporting damage or submitting documentation.

2. Recheck Documentation for All Losses and Expenses

Detailed documentation of losses can make a substantial difference. Photographs or videos of damage, inspection records, and receipts for temporary repairs serve as essential evidence. Keeping a timeline of events – ranging from the date of the storm to each communication with the insurance company – can prove that policy terms were met. 

Detailed records often help refute claims of late notice or insufficient proof. When faced with a denial of a storm damage insurance claim, even the smallest piece of evidence can help confirm the damage and preserve the right to fair coverage.

3. Request a Reassessment from the Insurance Company

When confronted with a denied insurance claim for storm damage, a formal request for reassessment may prompt the insurer to re-evaluate. This process could involve additional inspections or reviews of evidence that was previously overlooked. 

State regulations, like the Colorado Division of Insurance’s guidelines, can govern how insurance providers must handle disputes and re-evaluations. Persistent follow-up and organized documents can improve the chances of reversing an unfavorable decision.

4. Know About the Appeals Process

Each insurer has its own internal appeal procedures, which typically require submitting additional documentation or presenting new arguments. Requesting a copy of the insurer’s appeals guidelines can reveal the correct format and deadlines for filing. Clear and concise appeal letters that reference specific policy provisions, along with updated estimates or expert reports, may help overturn a denial of a storm damage insurance claim.

Examples of supportive documentation for appeals include: 

• Storm Data: Include certified weather reports from reputable sources that verify wind speeds or hail size in the area at the time of the storm.
• Updated Contractor Estimates: Present revised or second opinions on the cost of damages.
• Legal Opinions: If necessary, an opinion letter from storm damage claim attorneys can highlight areas of ambiguity in the insurer’s interpretation.

5. Seek Support from Storm Damage Attorneys

For many property owners, dealing with a denial can be daunting. Obtaining the help of storm damage attorneys with a background in insurance disputes often leads to more effective negotiations. These professionals are familiar with state-specific insurance regulations. When a storm damage insurance claim is denied, attorneys often conduct a thorough examination of policy language and evidence, aiming to demonstrate coverage for legitimate losses. 

Some insurers may act in bad faith by unreasonably delaying or outright refusing payment. Evidence of intentional misinterpretation of policy language or refusal to investigate thoroughly may indicate a potential bad faith scenario. Consulting with storm damage lawyers can help determine whether the insurer’s actions meet the threshold for bad faith claims and potential damages.

Entrust to Our Storm Damage Attorneys Your Insurance Claims

When a storm damage insurance claim is denied, there is often more that can be done to pursue coverage. Remaining proactive with documentation, understanding the policy, and seeking professional assistance are key. Working with storm damage lawyers can also lead to exploring additional avenues for resolution, including mediation or the pursuit of a bad faith claim, if warranted. 

Whether it involves initial appeals, negotiations with insurance companies, or litigation in court, The Morgan Law Group aims to advance the interests of its clients every step of the way.

• Regulatory Knowledge: Each state has unique rules that govern how insurers handle claims. Our attorneys familiar with these rules can ensure compliance and oversight.
• Claims Management: Proper organization and timely follow-through can be instrumental in challenging denials.
• Negotiation Skills: Confronting large insurance companies demands strategic advocacy to protect a claimant’s financial well-being.

Taking action is the best way to address a denied insurance claim for storm damage. Call us at (866) 969-4968 or complete our online form to schedule your free case evaluation.