If you submitted a claim to the Granada Insurance Company for property damage and that claim was denied—or if the compensation being offered for your damages is insufficient—you have the ability to appeal their decision and fight for the compensation you deserve after an event like a hurricane or similar event damages your home.
Insurance companies have a range of tactics to justify why they denied your claim. In the state of Florida, insurance companies such as the Granada Insurance Company denied approximately 40 percent of claims that were submitted after Hurricane Irma.
When you have paid premiums to the Granada Insurance Company for years and are in good standing, you expect them to honor your claim. If you are unsatisfied with their response, you have another option: call the property claim lawyers at the Law Offices of Anidjar & Levine at 1-800-747-3733 to learn more about how we can help you appeal your denied Granada property claim.
Reasons Why the Granada Insurance Company May Deny Property Damage Claims
There are many reasons the Granada Insurance Company could use in their attempts to justify denying your claim. Common examples include:
- Saying the damages you claimed existed before the date you submitted your claim.
- Saying the water damage you attributed to a broken pipe was actually caused by flooding, which is not covered by your policy.
- Saying you made an error when you first got your policy which nullifies their responsibility to compensate you.
- Saying a specific loss, such as antique furniture, is excluded from the policy you paid for.
- Saying your property had code violations that render your policy void.
- Saying you have not met your deductible or that you missed a premium payment.
An attorney from the Law Offices of Anidjar & Levine can walk you through the process of appealing your denied Granada property claim.
How We Can Help If the Granada Insurance Company Denied Your Claim
We can help you review your insurance policy and make it easier for you to understand what the terms mean and how they apply to your situation. We will make sure that your Homeowner’s Bill of Rights is being adhered to by the insurance company and that every piece of relevant evidence is collected.
Other ways our team can help you include:
- Reviewing your original policy
- Reviewing your property damage claim paperwork
- Providing legal guidance and clear communication
- Negotiating with the insurance company
- Representing you in mediation
- Representing you in court
- Providing you with personalized service
- Providing case management to handle all the aspects of your case
- Handling all the paperwork and overseeing paperwork deadlines
Your Rights as an Insurance Policyholder in Good Standing and as a Homeowner in Florida
As a Granada Insurance Company policyholder who is in compliance with the terms of their policy, you typically have the right to be compensated for:
- The cost of repairing or rebuilding your home
- Losses you may have incurred if your vehicles and other machinery were damaged
- Damage to personal property inside the home and in your backyard
This Bill of Rights is specific to the claims process and does not represent all your rights under Florida law regarding your policy. There are exceptions to the stated timelines when conditions are beyond your insurance company’s control. You are also entitled to free mediation related to your disputed claim.
Notification Deadlines and Requirements
As a homeowner in Florida, the Granada Insurance Company must notify you that it received your claim within 14 days of when you submitted it. They have 30 days to inform you about the status of your claim. Within 90 days, you should have received payment, either full or partial, or a report letting you know why the Granada Insurance Company denied your claim. There may be exceptions to these rules, and an attorney will be aware of what those exceptions are and how they affect you.
Exclusions and Policy Limits
Many homeowner policies have exclusions for certain types of damages that they expect you to cover with a specific policy provision or another policy. Some of those exclusions may include:
- Water damage and flooding: In Florida, this type of coverage is usually obtained through the National Flood Insurance Program (NFIP).
- Sub-limits, which are restrictions on the amount of coverage for certain types of personal property such as jewelry, art, and antiques.
Some of the Types of Property Claim Denials We Can Help You With
Our team handles cases involving many types of homeowners’ insurance claims, including claims for:
- Roof leaks and water damage
- Mold damage
- Plumbing leaks and water damage
- Fire damage
- Flood and storm property damage
- Burst pipes and water damage
- Theft insurance
- Hurricane damage insurance claims
Your policy may also specify differences between weather- and non-weather-related coverages. Weather-related property damage can be the result of rain, hurricanes, tropical storms, flood, lightning, tornadoes, hail, and wind. Non-Weather-related property damage includes damage that occurs from fires, fallen trees, air conditioning leaks, mold, broken pipes, water heater leaks and sewage back-ups.
We can help you collect the evidence you need to demonstrate that certain damages were caused by weather- or non-weather-related incidents, which can help bolster your appeal.
We Can Get Started Today
Insurance companies like the Granada Insurance Company have extensive resources and the time and money to fight your claim. Our team of attorneys, investigators, and legal support experts can help even the odds by putting our experience to work for you.
We handle property claims throughout Florida, and our priority is making sure that you receive effective legal advice regarding your denied Granada property claim. Call the Law Offices of Anidjar & Levine today at 1-800-747-3733 for a free consultation, as there are statutes of limitations which limit the amount of time you have to appeal. Together, we can help protect your rights and pursue the compensation to which you are entitled.