With page after page of insurance lingo that you do not fully comprehend, it is easy to understand why you may have rushed through your Florida homeowners' insurance application. Or perhaps you had an agent fill it out for you and tell you where to sign. Either way, you now have to face the consequence of your insurance provider denying your property damage claim due to application errors. It may be more difficult, but it is not impossible to make the insurance company pay. All you need is the right resource.
Why is the application process so important?
Applications may be long, complex and boring to fill out, but negligence comes with a price. It can lead to errors, omissions, misstatements and other mistakes, both intentional and not. Signing the application without reading it or asking questions implies that you consent to the policy as is. Homeowners' insurance companies may then try to use that to their advantage to get out of having to provide coverage and pay your claim. This leaves you in a financial bind, adding to the stress and expenses you already are enduring due to the property damage.
What can you do to receive coverage and compensation?
The good news is that you do not have to give up just because your incorrect application led to a questioned or denied claim. You do not have to accept your provider's rejection, especially if you suspect deceit or irresponsibility on the insurance company's part. You can take action by hiring a lawyer with experience in defending Florida policyholders. Acting quickly will increase your chances of receiving the desired coverage and compensation for your property damage.
How can you prevent this from happening again?
There are some things you can do to prevent insurance application problems in the future. They include:
- Read the fine print
- Ask questions to clarify the details of the policy
- Make sure you have enough coverage
- Check which damages the policy includes and which you must add on
- Understand how your deductible works
- Provide accurate information on the application
It may be a good idea to learn insurance terms and get educated on Florida policies so you have little to fear upon signing an application. If you have questions and have trouble getting an answer from the company, you can consult an attorney for more information. Prevention is the best way to eliminate the risk of application errors and denied claims, but if any issues arise, remember that legal help is only a short phone call away.