When facing a denied Farmers property claim, you may be unsure of your legal rights. You do not have to accept a denial. You may be able to file an appeal to recover the damages you are entitled to.
The Law Offices of Anidjar & Levine can review your claim and help you file an appeal. Farmers is required to pay for losses as outlined in your property insurance plan. If they are failing to adhere to their obligations, a property claim lawyer from our team can help. We go the extra mile to ensure you recover the damages you are legally owed.
Call to speak with a member of our team at 1-800-747-3733. We can review your claim and recommend your next steps.
Possible Reasons Why Farmers Denied Your Property Damage Claim
After your property is damaged, you expect Farmers to pay for your damages. It can be frustrating when your claim is denied, and you may not understand the reason for the denial.
There may be any number of reasons why Farmers denied your property damage claim, including:
- Your plan has lapsed due to failure to pay your premium
- Your plan does not cover the cause of the damage, such as flooding
- The claim failed to include enough information
- The initial claim did not include proof of damages
- Your claim failed to meet the filing deadline
- The damages do not exceed the deductible
- Failure to adequately protect the property
- Liability for the losses lies with another party. For example, a tree fell from a neighbor’s property.
If you are facing a denied Farmers property claim, you may still have legal options. Call the Law Offices of Anidjar & Levine at 1-800-747-3733 to discuss your claim and explore your legal options. We offer a free review to all Farmers customers.
Damages You May Be Eligible for in Your Farmers Property Claim
Your insurance plan will outline the exact damages Farmers will cover and the situations they are liable to cover. For example, some plans have exclusion for flooding or losses resulting from earthquakes.
Our team will need to review your coverage to provide an accurate estimate of your damages. However, many Farmers plans cover the following types of damages:
Repair Costs
Your plan may cover the cost to repair damage to your home and ancillary structures, such as a separate garage, workshop, deck, shed, or stand-alone structure on your property.
Cleanup Costs
In many cases, insurance plans will cover the cost to clean up your property, including removal of debris and cutting and hauling away fallen trees. They may also cover the cost to replant trees and other landscaping elements.
Relocation Costs
If you are unable to live in your home after the damage occurs, Farmers may cover temporary relocation costs. Covered costs may include hotel stays, meals or groceries, and other incidentals.
Personal Property
Your Farmers plan may also cover the loss of personal items, such as clothing, shoes, electronics, books, furniture, and other items inside your home or business.
Your insurance plan will outline the exact damages you are eligible to recover. Our team will review the details of your plan and explain your benefits. Call 1-800-747-3733 for legal help with your denied Farmers property claim.
How Our Firm Can Help with Your Denied Farmers Property Claim
Receiving a denial for your property claim can be extremely frustrating. You are already dealing with the damage to your property, including the emotional impact, possible relocation, and the disruption to your life. Now, Farmers is refusing to pay your claim, and you may be on the hook for your damages.
We understand how overwhelming this situation may feel. Here is how we can help:
Review Your Coverage
Our team will review your insurance plan to determine what types of damages are covered and what damages Farmers may not pay. You may have riders for specific situations, such as mold or flooding, or exclusions for certain types of damages.
We will explain your coverage and what it means for your claim.
Build an Appeal Strategy
In some situations, we may simply need to send the insurance company more proof of your damages, such as photos or quotes from a repair company. Or, we may need to prove your damages are, in fact, covered due to a specific clause in your plan. Our team will research your case and determine the best course of action.
File Your Appeal
Next, we will gather the required information and file an appeal with Farmers. This may include additional quotes, a report from an independent insurance adjuster, or other proof.
Protect Your Right to Recover Compensation
Throughout the appeals process, our team will keep you updated on the progress of your Farmers claim and ensure all steps are taken to protect your rights. For example, we will ensure your claim meets all deadlines, including the statute of limitations. If it is necessary, we may even take your claim to court.
You still have legal options, even if Farmers denies your property damage claim. Call us at 1-800-747-3733 to discuss your case.
Contact a Property Claim Lawyer Today for Help Appealing a Denial
If you are facing a denied Farmers property claim, you do not have to face this situation alone. Our team offers compassionate, dedicated legal service.
Contact the Law Offices of Anidjar and Levine at 1-800-747-3733 today to discuss your denied Farmers property claim. Our team can take care of the appeals process so you can focus on getting your life back to normal after a hurricane or similar event that has uprooted your day today.
We Can Help.
