Few things are as frustrating as filing a claim with your Texas homeowner’s insurance company only to have that claim denied. Attorney Jon Michael Smith has seen firsthand some of the steps homeowner’s insurance providers take in their attempts to avoid paying client claims, and we have helped many people who had their claims denied pursue solutions that meet their needs.
According to Fox Business, there are several steps you may want to take in the wake of a homeowner’s insurance claim denial, and there are also certain actions it may serve you well to avoid. For example, while your first instinct might be to call your insurance agent and make your anger as clear as possible, this may do little to move your situation forward.
Instead, the first thing you should consider doing involves performing an extremely close read of your policy. That way, when you review the official denial letter that your insurance agent provides, you are able to cross-reference the documents in an attempt to determine whether the denial was, in fact, valid. If you still believe your homeowner’s insurance provider was wrong in denying your claim, the next step typically involves filing an appeal.
When doing so, it is wise to request that your insurer resolve the issue and respond to you within a particular and reasonable timeframe. If the deadline you set passes and you do not hear anything, consider contacting the agency again to inquire. If your appeal winds up not moving forward or getting you any resolution, you may need to take things further and pursue other avenues. Find more about denied homeowner’s insurance claims on our webpage.