What Reasons Might an Insurance Company Use to Deny a Property Damage Claim?

Some of the common reasons for an insurance company denying a property damage claim include: The damage is not covered under the policy The damage is due to wear and tear or normal deterioration The policyholder failed to comply with all the policy conditions The policyholder did not report the claim in a timely manner The policyholder failed to provide sufficient evidence of the damage The policyholder failed to provide proof of ownership of the damaged property The property damage was caused by a peril not covered by the policy

How Do I Make the Insurance Company Pay My Claim?

What’s the best way to ensure that a wrongly denied claim paid in full? Hiring an experienced insurance claims attorney may be your best chance at fair recovery. Your attorney can review the documentation provided to you by your insurance company. As your representation, they make sure that you do not sign away important rights or make statements which could damage your chances of recovery. In addition, hiring an attorney lets your insurance company know that you intend to be taken seriously. Studies have proven that victims who hire legal representation soon after an injury consistently receive much higher payouts. Finally, your insurer cannot refuse to pay your claim for reasons that are arbitrary or capricious. If proven that your insurance company acted in bad faith, you may be able to seek additional damages and penalties for their wrongdoing.

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Insurance Claim Disputes

You and Your Insurance Claim Are Entitled to Fair Treatment

Louisiana Insurance Claim Disputes

We pay for insurance to protect what matters most—our health, our homes, and our property. Unfortunately, after a disaster like a hurricane or a flood, many people will find that their insurer refuses to pay their claim or that the company will dispute the amount of their claim.

Has your insurance claim been wrongfully denied? Has your insurer wanted to pay less than you deserve? You may benefit from experienced legal representation to fight for your right to insurance coverage.

At Mike Brandner Law, we’re not afraid to take the insurance companies to court to ensure that you receive the coverage you deserve. We have a proven record of success in all types of claim negotiations and litigation.

Why Has My Insurance Claim Been Denied?

Under Louisiana law, your insurance company has a duty to pay your claim if you have submitted satisfactory proof of your loss.

What the statutes require and how your insurance company behaves, however, are two entirely different things. Your insurance company may deny your claim by alleging that your damage is not covered by your policy, that your premiums were not paid in a timely manner, or that you misunderstood your policy.

Often, your claim may be denied simply because it is in the best financial interest of your insurance company. After all, the company cannot be profitable if they pay every claim. Many insurance companies deny claims because they bet that most policy holders will not hire legal counsel to dispute their claim denial.

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FREQUENTLY ASKED QUESTIONS

Louisiana Insurance Claim Denial Frequently Asked Questions

What Reasons Might an Insurance Company Use to Deny a Property Damage Claim?
Some of the common reasons for an insurance company denying a property damage claim include:
- The damage is not covered under the policy
- The damage is due to wear and tear or normal deterioration
- The policyholder failed to comply with all the policy conditions
- The policyholder did not report the claim in a timely manner
- The policyholder failed to provide sufficient evidence of the damage
- The policyholder failed to provide proof of ownership of the damaged property
- The property damage was caused by a peril not covered by the policy
How Do I Make the Insurance Company Pay My Claim?

What’s the best way to ensure that a wrongly denied claim paid in full? Hiring an experienced insurance claims attorney may be your best chance at fair recovery.

Your attorney can review the documentation provided to you by your insurance company. As your representation, they make sure that you do not sign away important rights or make statements which could damage your chances of recovery.

In addition, hiring an attorney lets your insurance company know that you intend to be taken seriously. Studies have proven that victims who hire legal representation soon after an injury consistently receive much higher payouts.

Finally, your insurer cannot refuse to pay your claim for reasons that are arbitrary or capricious. If proven that your insurance company acted in bad faith, you may be able to seek additional damages and penalties for their wrongdoing.

SERVING THE STATE OF LOUISIANA

Get Legal Help After a Claim Denial in Louisiana

The insurance claim lawyers at Mike Brandner Law will work to ensure the protection you pay for is honored. We aggressively advocate on behalf of clients who are facing improper claim denials or claim undervaluation. Call us today at (504) 345-1111 for a free case evaluation and learn about your options.

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Get Your FREE Case Evaluation Today

You can contact our team 24 hours a day, 7 days a week by calling (504) 345-1111 for a free case evaluation. Don’t let the insurance company take advantage of you!