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March 2017 Archives

Common reasons for homeowners insurance claim denials

Many homeowners in Jacksonville purchase insurance for their properties because it provides them with peace of mind and financial protection against covered unexpected events. They pay their premiums faithfully, not aware that their insurers are only bound by law to cover claims if they are legitimate. Insurers have strict criteria in place that they use to help disqualify claims for payment. These requirements are often the very reasons why some homeowners’ claims are denied.

Has your claim for residential sinkhole damage been denied?

Florida has the highest rate of sinkholes in the country, and insurance to cover any damage that might be caused by this kind of phenomenon is guaranteed for residents of the Sunshine State. Fortunately, sinkholes are not an everyday occurrence, and we usually only hear of those that swallow sections of highway or gobble up cars. However, some of these depressions develop gradually, causing damage to part of your home or property. If this happens, your next step is to file a claim with your insurance company, but this is not necessarily a simple matter with satisfactory results.

Vacancy exclusions, arson and denied claims

A person who purchases a homeowners insurance policy should not assume that because a type of disaster is mentioned in the coverage, that all instances of that disaster would be treated in the same way. Fire is one of these that often has notable exceptions. According to HomeInsurance.org, neither a fire in a vacant house or arson is usually covered by a typical policy.

What do you do if your business insurance claim is denied? Part 1

Business insurance is one of those lifesaving decisions that can rescue a business from ruin. Unfortunately, there is one more obstacle between you and reconstructing your business – the insurance company. You probably assume that you file a claim and it will be approved in a matter of days, if not weeks. Unfortunately, your insurer only makes money if you pay premiums and never pays out claims. This creates a perverse incentive sometimes to deny valid claims.

Bad faith set-ups discussed

Bad faith insurance results when the insurance company wrongfully denies an insurance claim. Bad faith insurance suits can arise in the context of any insurance policy, including property insurance. Florida law created liability for insurers who act in bad faith in denying insurance claims. This post will go over bad faith insurance and what duties you are under to ensure your right to pursue compensation.

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