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Ways Home Insurance Companies Try to Delay & Deny Claims

Blog 2015 November Ways Home Insurance Companies Try to Delay & Deny Claims
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Ways Home Insurance Companies Try to Delay & Deny Claims

Posted By Dick Law Firm || 17-Nov-2015

We all know far too well that insurance companies have a reputation for being tighter with their money than Ebenezer Scrooge. Despite the general rise in costs for insurance premiums, it is ironic how insurance providers have a tendency to dig deep to find a reason to deny you the coverage that you pay for. Below are some of the most common and creative ways that insurance companies may attempt to delay or deny your claim.

1. They May Claim Negligence

Claims of homeowner negligence are used quite often as a means of denying claims. Hypothetically speaking, let’s say that you had a termite infestation in your home that you were meaning to have taken care of. Before you get the chance, however, a hurricane sweeps through your area and rips off a part of your roof. Despite the fact that the termites had nothing to do with the gale-force winds that tore apart your home, an insurance adjuster might find traces of termites and claim that there was a pre-existing condition, resulting in a claim denial for negligence. As ludicrous as this sounds, it is entirely a possibility.

2. Your Allotted Coverage is Exceeded

Insurance policies generally only cover liabilities up to a certain amount, meaning that if your damage exceeds this threshold, your insurance company may refuse to cover the difference or deny the claim entirely. For example, if your policy states that it will only cover up to $2,000 worth of damage to your collection of vintage guitars, but you claim $5,000 worth of damage, your insurance company may deny your claim for exceeding your coverage.

3. Too Many Claims

Most commonly, denials result from submitting too many claims within a certain timeframe. One of the key ways that insurance companies make money is by betting on the likelihood that you will not have to use their service. When they have to pay out too frequently, they incur losses. To combat this, try not to submit claims for minor incidents that you have the ability to pay for on your own. While incurring the cost yourself is less than ideal, it is much better than being faced with a claim denial for a major disaster for reasons of having too many claims.

Contact Dick Law Firm Today!

If your claim has been denied and you believe that it is for unjust reasons, it is urgent that you contact a Houston homeowner’s insurance attorney from Dick Law Firm to pursue the compensation you deserve. Our dedicated and skilled attorneys have helped thousands of clients sue their insurance providers for their unethical behavior, and we are confident in our ability to improve your chances of securing a fair settlement. To get started dial 833-7RIGHTS or request a free consultation today!

Categories: Insurance Bad Faith, Insurance Claim Denial, Homeowner's Insurance Claims

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