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What to Do if Your Homeowner’s Insurance Claim is Denied

Your home has suffered serious damages.  Maybe it was due to a fire, flood, burglary, or vandalism.  Believing you are covered, you file your homeowner’s insurance claim, only to be denied.  Your first reaction may be disbelief and anger.  However, try not to let your emotions get the better of you.  Understand that not all hope is lost and you can still obtain the coverage you deserve.  Our Miami property insurance claim lawyers have prepared a list of steps you can take if your homeowner’s insurance claim has been denied:

Review the Policy

            Your first task will be reviewing your entire insurance policy.  It is likely you did not go through the policy in detail upon purchasing it or filing the claim, but it is important that you do so in order for you to fully understand your coverage.

Typical reasons for the denial of your claim include: causes that are not covered, insufficient documentation as to damages, or not taking sufficient preventative measures.  Take a look at your policy and gather evidence to adequately address each reason for your denial. If your policy was lost or destroyed, you can request a copy from your insurance company.

Understand Your Denial

            You will receive a letter from the insurance company stating specifically why the claim as denied, as well as the section of the policy that gives support for the denial.  If you have not received such a letter, follow up with the adjuster.

Compare the denial with your policy statement.  Do you believe the denial conflicts with the policy’s terms?  Do you dispute the meaning of a term found within the policy? Was there insufficient evidence attached to back up your damage claims?  Was the problem one routed in filing error?

If the denial is unclear, ask the adjuster for a more thorough explanation.  Be sure to document all of your calls to the adjuster, including names, dates, time, and subject matter.

File an Appeal

            If you believe the denial was in error, you can appeal the decision.  You will need to fill out an appeal form along with a separate rebuttal.  It is always best to consult with an attorney at this point.  You could have a lot riding on your denied claim, and the appeal must be strongly presented in order to overturn the denial.  Your attorney will have a firm grasp on insurance laws as well as the terms of your policy.  He or she is in the best position to file a strong appeal and obtain a different outcome.

If the appeal is denied, your attorney can assist you in determining the next step.  You do have several avenues of resolution outside of the appeal process.  Your attorney can speak with superiors within the insurance company or file a complaint with the Insurance Commission.  With persistence and diligence, your attorney can help to ensure your valid claim is accepted and paid in full.

Greenberg Stone and Urbano: Experienced Miami Homeowner’s Insurance Attorneys 

            If your homeowner’s insurance claim has been denied, you need the assistance of an experienced law firm capable of obtaining the coverage you deserve.  The Miami Homeowner’s Insurance Attorneys at Greenberg Stone and Urbano have assisted residents with their insurance troubles for over 130 collective years.  Our attorneys will aggressively fight to see that your initial denial becomes a swift payout.  Our exceptional results have earned us an AV rating from Martindale Hubbell and recognition as one of South Florida’s top firms by the Miami Herald.   Call us at (888) 499-9700 or (305) 595-2400 or visit our website to schedule your initial consultation.


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