By now most homeowners should have received a coverage decision from their insurance company.Â
Hurricane Milton Residential Property Claim Data for Unpaid Claims Â
- 96,390 homeowners have had their claims closed without payment
- 34,989 homeowners still have an open claim without payment
If you are one of the 131,379 homeowners who have not yet received a payment from your insurance company, you have options, and you are not alone in this fight.
“The best predictor of future behavior is past behavior”
Attorney John Tolley uses the popularized quote often to describe what he expects from the insurance company. He also adds “After Hurricane Ian, over 40% of claims closed either unresolved or with no payment whatsoever. Don’t let this happen again.”
What can you do if your claim is denied?Â
Two common reasons insurance companies deny residential property insurance claims are:
- Incomplete documentation and/or not enough evidenceÂ
- A dispute over the cause of damageÂ
At JT Law Firm, we’ve seen hundreds of claims unjustly denied for one of these reasons. It’s not right when a homeowner has a valid claim and their insurance company denies the claim without giving it a second thought.Â
Here’s what you can do if your claim was denied.
Submit new evidence and ask for a re-inspection of your property. Your insurance company must honor this process. Make sure to hire your own professional (like JT Law Firm) and secure a second opinion. Â
JT Law Firm will work alongside a team of professionals who will generate a report for your insurance claim. This new report should match the report generated by your insurance company. If your insurance company’s adjuster’s report does not match the report given to you by our team, then it’s time for us to aggressively fight for you.
If you have received a denial because of a dispute in coverage, these types of denials typically require the intervention of a property damage attorney as they are more difficult to prove without the aid of professionals.
Get the legal representation you deserve. Call us at (855) 585-2997.
What can you do if your claim is underpaid?Â
Two common reasons insurance companies underpay residential property insurance claims are:
- Underestimated repair costs Â
- Failing to properly list and/or identify all covered damage in the property
This is a situation we often find homeowners in.Â
Their insurance company’s adjuster will fail to thoroughly conduct a comprehensive inspection of the insured property, which will result in damage being unreported. This then leads to a damage estimate that’s far below what is needed for the property to be restored to its pre-loss condition. Once a homeowner signs and accepts an offer, it’s difficult to collect more funds from the insurance company later, and the homeowner is often left to cover the gap themselves. This applies even if it’s later discovered the payment the homeowner accepted was undervalued.Â
This is one reason why working with a property damage law firm is crucial.Â
Contact us today for a free claim review so we can show you the potential value of your claim. Â
Trust the law firm other lawyers trust with their cases. Remember, you can’t spell “JUSTICE” without “JT”. Â
If you find yourself dealing with an unjust insurance company. Contact JT Law Firm today. Our team will treat you right and fight for you to receive the highest possible payout! Â
