The devastation caused by Hurricanes Helene and Milton has left countless property owners across the region struggling to rebuild their lives. For many, the challenges are compounded by denied insurance claims—adding frustration to an already difficult situation. If you’re facing this uphill battle, know that you’re not alone, and there are steps you can take to fight back. In this article, we’ll discuss why claims are denied, what you can do, and why having experienced legal representation can make all the difference.

Why Do Insurance Companies Deny Claims?

Insurance companies deny claims for a variety of reasons, some of which may be legitimate while others are more questionable. Common reasons include:

  1. Policy Exclusions: Certain types of damage, like flooding, may not be covered under your standard homeowner’s insurance policy.
  2. Failure to Mitigate Damage: Insurers may argue that you didn’t take reasonable steps to prevent further damage after the hurricane.
  3. Insufficient Documentation: Lack of detailed records or photos of the damage can result in claim denials.
  4. Disputes Over Cause of Damage: Insurers may claim that the damage wasn’t caused by the hurricane but by pre-existing issues or other unrelated factors.

Understanding the reasons for denial is the first step in determining how to respond.

Steps to Take If Your Claim Is Denied

If your claim has been denied, it’s important to act quickly and strategically:

1. Review Your Policy

Carefully review your insurance policy to understand your coverage, exclusions, and obligations. Look for clauses related to appeals or disputes.

2. Request a Written Explanation

Insurance companies are required to provide a written explanation for claim denials. Request this document and examine it for inconsistencies or inaccuracies.

3. Gather Evidence

Collect any additional documentation that supports your claim. This might include:

  • Photographs of the damage
  • Receipts for emergency repairs
  • Expert reports, such as assessments from contractors or engineers

4. File an Appeal

Most insurance companies allow you to appeal a denied claim. Include all supporting evidence and a detailed explanation of why the denial is unwarranted.

5. Seek Legal Assistance

If your appeal is denied or you’re not getting the response you deserve, it may be time to consult with an attorney who specializes in insurance claims.

How Legal Representation Can Help

Insurance companies often have teams of adjusters and attorneys working to protect their bottom line. Navigating this process without legal expertise can be overwhelming and frustrating. Here’s how Boggs Law Group can help:

  • Advocate on Your Behalf: We handle negotiations with the insurance company so you don’t have to.
  • Identify Bad Faith Practices: If your insurer acted in bad faith—such as delaying your claim without reason or misrepresenting your policy—we’ll hold them accountable.
  • Litigate If Necessary: If your insurer refuses to honor your claim, we’re prepared to take your case to court to fight for your rights.

Our experienced attorneys understand the complexities of Florida insurance law and are committed to helping property owners recover the compensation they’re entitled to.

Don’t Face This Alone

Recovering from a hurricane is stressful enough without the added burden of dealing with a denied insurance claim. At Boggs Law Group, we stand with you in this difficult time, offering compassionate and effective legal representation to ensure your voice is heard.

If your claim has been denied after Hurricanes Helene or Milton, don’t wait—contact us today for a free consultation. Together, we’ll work to secure the justice and support you deserve.