You can reach a member of our legal team at the Bennett Law Firm by calling 405-272-0303, and receive your free consultation.
Many people have shared this experience: Spending what feels like an eternity on the phone with your insurance company trying to understand why they’ve either decided to deny your claim or introduce a whole host of paperwork and hoops you have to jump through before they can even consider covering your claim.
All the while, all you can think to yourself is: Isn’t this precisely what I’m paying you to cover with my premiums every month?
In the midst of this harrowing, frustrating ordeal, it can be helpful to talk to professionals about some of the patterns that stand out when insurance companies decide to deny benefits that you thought were a part of your policy, especially those that might lend themselves to being challenged through negotiations and/or a legal response. Of course, every reason will be case specific, and these justifications depend upon whether you are dealing with an injury claim, an auto insurance claim, homeowners’ insurance, etc.
To that end, we would like to discuss some of the most common reasons insurance companies use to deny claims:
Some of the justifications we see when auto insurance claims are denied include:
Some of the claim denials for disability benefits can include:
Homeowners insurance claim denials can be especially devastating, particularly given the cost associated with some types of home-related damage (such as having to replace an entire roof or severe damage to your home’s foundation). It’s important to know that just because you’ve spoken with one person at the insurance company who’s told you your claim isn’t covered, it doesn’t necessarily mean that you won’t be able to change or challenge that decision. In some circumstances, it makes sense to work with an experienced attorney on the issue, particularly if you are looking at covering major expenses out of pocket if your insurance company continues to deny the claim.
Some of the common reasons companies use in denying home claims include:
Regardless of whether you are in the process of filing a claim or appealing a denial, there are important steps to take in order to maximize your chance of success, including:
Note that filing a complaint with the Department of Insurance is always an option if you feel that you have been the victim of serious neglect at the hands of your insurance company
An insurer’s failure to honor a policy and deal honestly with policyholders is unfair and unlawful. If you feel that your insurance company isn’t properly analyzing your claim or has made you the victim of bad faith, it is important that you contact an experienced bad faith insurance attorney right away so that they can defend your interests.
You can reach a member of our legal team at the Bennett Law Firm by calling 405-272-0303, and receive your free consultation.
