Insurance Claim Denial Lawyers in Punta Gorda, Florida
Was your homeowner’s insurance claim recently denied or did your insurance company offer you a settlement that was lower than you expected or lower than your cost of home repairs? You may have the right to appeal your settlement. Insurance claims might be denied because of coverage exclusions, but sometimes claims are denied or offers are lower than expected because of miscommunication between homeowners and their insurance company, because of a lack of documentation to support a claim, and sometimes due to insurance bad faith. If your claim has been denied, the Law Offices of Michael M. Raheb, P.A. is an insurance claims denials law firm in Punta Gorda, Florida that may be able to assist you. Our insurance claim denials lawyer can review your policy, review the damages, help you understand your coverage, and assist you in taking the next steps to protect your rights.
What Steps Can I Take If My Homeowner’s Insurance Claim Has Been Denied in Punta Gorda, Florida?
It can be understandably stressful to have your homeowner’s insurance claim denied. However, there are steps you can take to better understand the situation and steps you can take to find potential solutions. Here are a few:
- Review your insurance policy. Was your claim denied due to exclusions in your policy? Were you trying to make a flood claim using your standard homeowner’s insurance policy? Some claims are denied because individuals simply don’t have coverage, because coverage limits have been met, or because claims are lower than deductibles. If you have questions about what is and isn’t covered, reach out to the insurance claim denial lawyer at the Law Offices of Michael M. Raheb, P.A. in Punta Gorda, Florida today.
- Ask for a denial letter from your insurance company. A denial letter should explain why your claim was denied. Sometimes, by reading these letters closely, homeowners can learn whether their claim was denied because the insurance company is missing information or whether their claim was denied because of an exclusion in their policy. Your insurance claim denial lawyer in Punta Gorda, Florida at the Law Offices of Michael M. Raheb, P.A. can also review this letter to help you understand your rights and next steps.
If you still have questions about your rights if your insurance claim has been denied or if you didn’t receive the settlement you expected, the Law Offices of Michael M. Raheb, P.A. in Punta Gorda, Florida is an insurance claim denial law firm that may be able to help you. We are here to help.
Why Flood Insurance Claims Get Denied in Punta Gorda, Florida
Flood insurance claims get denied in Punta Gorda, Florida most commonly because individuals might be trying to make a flood claim when they only have standard homeowner’s insurance. Standard homeowner’s insurance doesn’t cover flood damage. Individuals must purchase additional coverage for flood damage. But, if you did purchase flood insurance coverage, and your claim was denied, you may have the right to appeal your denied claim. Have questions about a flood insurance denial in Punta Gorda, Florida? The flood insurance claim denial law firm of the Law Offices of Michael M. Raheb, P.A. in Punta Gorda, Florida may be able to help you. Our flood insurance claim denial lawyer can review your policy and help you take the next steps.
Why Fire Insurance Claims Get Denied in Punta Gorda, Florida
Fire insurance claims might get denied because homeowners may not have provided sufficient documentation to support their claim. Sometimes homeowners might receive a lower than expected settlement for a fire insurance claim because they may not fully understand the language of their policies. If the contents of your home or apartment were damaged by a fire, you may be able to make a claim with your insurance company to replace these items. How much money you’ll receive will depend on whether you have replacement cost insurance or actual cash value insurance. Replacement cost insurance will give you money to buy new replacement items. Actual cash value insurance will calculate the value of the items lost, taking into account depreciation, and then compensate you for the value of the items on the day they were lost. Actual cash value insurance will result in a lower settlement award than replacement cost insurance. Many of these policies also have limits on what is covered, so if you had expensive items in your home, like antiques, collectibles, or expensive electronics, you may have been required to purchase additional coverage for these items to be covered by insurance.
Are you having trouble with your fire insurance claim? Have questions about how to appeal a settlement or a denied fire insurance claim? The Law Offices of Michael M. Raheb, P.A. in Punta Gorda, Florida is a fire insurance claim denial lawyer that may be able to help you.
Hurricane Insurance Claim Denial Lawyer in Punta Gorda, Florida
If you still have not been able to settle your hurricane insurance claim months after the storm hit, you are not alone. Many Florida residents are still trying to negotiate settlements and settle claims. In the aftermath of a hurricane, many different adjusters might be assigned to handle a single claim. This can lead to lost documentation, miscommunication, and errors on the part of the insurance company. If you are still struggling to settle your insurance claim, reach out to the hurricane insurance claim denial law firm of the Law Offices of Michael M. Raheb, P.A. in Punta Gorda, Florida today. Our hurricane insurance claim denial lawyers may be able to help you.
Get Help from an Insurance Claim Denial Lawyer Today in Punta Gorda, Florida
The Law Offices of Michael M. Raheb, P.A. is an insurance claim denial law firm in Punta Gorda, Florida that may be able to help you with your settlement. We can review your policy and your case and help you take the next steps to protect your rights. Sometimes all it takes to settle a claim is a little negotiation and additional information and documentation. But when insurance companies act in bad faith, the Law Offices of Michael M. Raheb, P.A. are here to help, too.
