Getting to Know Your Florida Home Insurance Policy

What to do When Your Home Insurance Claim is Denied


If you think that a storm, hurricane, or fire damaging your precious home is the most stressful thing to happen, we’re sorry to say that for some it’s only the start. That’s because a homeowner with a home insurance policy can then have to face a battle with an insurance company just to get what they deserve.

Often, an insurance company will try to find a loophole so that they don’t have to pay out on time or in full.

Today we’re looking at why your claim might be denied and what you can do if the home insurance company that you’re dealing with denies your claim. 

Because it ‘ain’t over ‘til it’s over.

And it’s over when you get what you deserve. 

Don’t hate the player, hate the game

Every day, people call their insurance company to make a claim on their household insurance for water, wind, mold, hail, and fire damage.

They’ve got the paperwork in order and their policy paid up. 

Sadly, they soon discover that the process is not as straightforward as they’d imagined.

They’re hit with the word NO.

Denials. Delays. Underpayment.

These are the games that insurance companies will play to squirm out of their responsibilities.  

Why are so many home insurance policy claims denied?

Your home insurance company may mail you a formal letter explaining their reason for denying your claim. Common reasons that insurance companies will quote as justification for denying your home insurance claim include:

  • the premium wasn’t paid
  • exclusions: the type of loss (peril) is excluded from your home insurance coverage
  • underinsurance – the insurance company may talk to you about the ‘average’ clause, which is part of standard insurance policies. An example would be if you had $30,000 worth of home contents yet your policy was covered for just $20,000. You may be offered a lower payout than you’d expect.

What can you do if your home insurance claim is denied?

Firstly, check your policy document, line by line, noting all of the relevant sections where you feel that you should be covered.

Next, contact your insurance company to negotiate with the claims adjuster, offering as much detail and information as you can.

If you feel that you are being treated unfairly, you can make a formal complaint and seek guidance by contacting the Florida Home Insurance Hotline.

Finally, if you are not making progress, you’ll need expert backup. Find an insurance claim lawyer in Florida who knows the intricacies of home insurance claims like the back of their hand. This will greatly increase your chance of getting full, fair compensation promptly.

Of course, planning ahead is always wise. Before your insurance policy renewal date, make sure that you have the coverage that you need, keep records, and make an inventory list – so that if the worst should happen you are well prepared. Compare the market for the best value and most comprehensive coverage.

Backing you up, all the way

Unfortunately, many people in Florida face the hassle of dealing with an insurance company and hearing the word NO. This compounds the stress of their home being damaged in the first place.

But help is at hand. 

We are a team of professional, empathetic lawyers who know the ins and outs of home insurance claims. We’re going to get this sorted, and properly. No compromises, just the full compensation that you deserve. 

Let’s take the stress out of an already stressful situation.

Jenkins Law PL is your top choice for insurance claim lawyers in Florida. 

So, get in touch, and we can help you turn that NO into a YES.