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When Your Homeowners Insurance Carrier Denies Your Claim Based on “Wear and Tear”

As residents of South Florida, we all know too well that damage to your home can occur for a variety of reasons.  Perhaps weather could be to blame, such as heavy rain, high winds, and even hurricanes.  However, there are situations where a home suffers damage due to wear and tear.  Causes of property damage are often in dispute between the homeowner filing a claim, and the insurance company that has the property evaluated before making the decision to provide coverage.  While some claims may be rightfully denied if a home does, in fact, suffer damage from wear and tear, other claims are wrongfully denied when weather or something other than normal wear and tear is the cause of the property damage.

Our homeowners insurance claims attorneys address insurance disputes on a regular basis, and it is no surprise to us that insurance companies deny claims on the basis that property damage is caused by “wear and tear.”  Our skilled and dedicated South Florida Attorneys truly understand how frustrating it can be to have a homeowners insurance claim wrongfully denied.  If you are facing a similar situation, it may be time to contact an attorney.  At Greenberg, Stone & Urbano, our legal team is standing by to assist you in this time of need.

Take Steps to Protect Yourself Before Your Homeowners Insurance Claim Can be Denied

An insurance claim is strengthened if a homeowner has documentation of repairs that have been made on the home, as well as the condition of the home over time.  For example, if an insurance company denies a claim in a alleging roof damage following a storm is from wear and tear, and have proof that your roof was previously in good condition, you may have a better chance of having your claim approved.  In addition to keeping all receipts and documents that demonstrate the home is in working order, and not damaged due to a lack of maintenance, homeowners should take pictures of all parts of the home – including furniture, electronics, and appliances.

Another very important step homeowners must take is to act quickly when filing a claim.  The longer you wait, the more your insurance company may question you, and take a closer look at your claim, wondering why you did not act sooner to file a claim.  Insurance policies are not easy to understand, and there are many “exclusions” that are hidden within the fine print of an insurance policy.  This places homeowners in a situation where they are not fully aware of what is covered and not covered.  As such, questions and disputes involving homeowners insurance claims should be discussed with alongside a legal professional.

Contact the Miami Insurance Claims Attorneys of Greenberg, Stone & Urbano Today to Schedule Your Free Consultation!

If your home has suffered damage, and your insurance company is telling you the damage is caused by “wear and tear,” you may need to speak with an attorney as soon as possible.  While wear and tear can be the cause of home property damage, there are situations when damage was not caused by wear and tear, yet claims are denied.  If you find yourself in the same shoes, or wish to know more about what it means when your claim is denied, you should consider speaking with the Miami Insurance Claims Attorneys of Greenberg, Stone & Urbano as soon as possible.  With over 130 years of combined legal experience, our attorneys will provide you with the same quality legal representation that has always been our firm’s practice.  Our law firm has received an AV rating from Martindale Hubbell, and has been named a top South Florida law firm by the Miami Herald, setting Greenberg, Stone & Urbano apart from others.  If you would like to speak with one of our attorneys, contact our office today by calling (888) 499-9700 or (305) 595-2400 to schedule your free consultation.  You may also contact us online by visiting our website.

Source:

http://money.cnn.com/2014/06/19/pf/insurance/damage-claims/

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