When it began to rain last night, you didn’t think very much about it. You had checked the weather report, and it appeared that this would just be a small shower. Unfortunately, the weather report was not correct. You were involved in a storm with high winds that were relatively unexpected.
There are numerous types of storms that could affect your home in Florida. There are hailstorms, thunderstorms, lightning storms and storms that spawn tornadoes. You could be involved in a hurricane or tropical storm as well.
When your home is involved in any type of storm activity, there is a risk that it will be damaged. If that does happen, you need to know that you can rely on the insurance company to pay out and cover any repairs that are needed.
What should you do if the insurance company claims that the repair is unnecessary or not covered?
To start with, it is important to review your paperwork and policy. If you can find where it is stated that the needed repair is covered, then you can use this to fight the insurance company’s denial. Similarly, you may need to take further photographs or have someone come to the scene of any damage to assess the severity and resubmit your claim if the insurance agency has denied it based on a lack of merit.
Although it is difficult to understand, it is a reality that some insurance companies do their best to avoid paying out on claims. These companies believe that by denying claims, they can bring in a higher profit. They also believe that a denial of a claim will go unchallenged.
Remember that the first 90 days after storm damage is the most important time frame to make sure that the insurance company will pay out. If you have noticed that the insurance company is not responding quickly or that the insurance company is quick to offer settlements that are too low, you should contact your attorney for additional support. If you wait too long, it will be much harder to obtain compensation from the insurance company.
The sad truth is that there are some insurance companies that manipulate consumers and do their best not to pay out. You have to protect yourself and take legal action if your claim is being unfairly denied. You pay for the insurance coverage you have and should have every right to receive a fair payment.