When your property is damaged, you expect your insurance company to cover your losses, as outlined in your insurance plan. Unfortunately, property damage insurance plans can be complicated, and you may not understand the reason for your denial.
The Law Offices of Anidjar & Levine can help you with a denied American Integrity property claim in Florida. Our team can fight for your right to compensation.
Common Reasons for Denial of American Integrity Property Claims
Each insurance plan outlines the type of damages they cover and the situations in which they will pay for the damage. For example, one plan may pay for any type of water damage, while another may not cover water damage caused by flooding.
Because the terms of your plan may vary, it is impossible to determine why your claim was denied without reviewing your policy. However, there are several common reasons for denial, including:
- Lack of information
- Inaccurate information
- Failure to meet the deductible
- The cause of the damage is excluded (for example, flooding)
- The insurance company believes you were at fault
- You failed to pay your premium, and your coverage lapsed
- The deadline to file has passed
- The cause of the damage is unclear
- The damage was caused by neglect
Remember, each insurance plan is different. Even if your American Integrity plan does not cover specific damage, you may carry another plan that does. Contact us today for a free review of your denial at 1-800-747-3733.
Damage You Might Recover in an American Integrity Property Claim Appeal
The first question many clients have is, “How much can I expect to get from the insurance company?” When you are facing property damage, it is understandable. Property damage can impact more than just your bank account; it can affect your entire life.
While we cannot provide an online estimate of how much your claim may be worth, you may recover more than you think. In many cases, insurance will cover the following losses:
You may recover the cost to repair your property to pre-damaged conditions. For example, replace windows, repair walls, remove fallen trees, and clear up the debris.
Rebuild Your Property
If your home or property is beyond repair, you may recover the cost to rebuild the structure. Your policy may also pay to rebuild smaller structures, such as a shed, standalone garage, or in-law suite.
In many cases, you can recover the value of personal property damaged in the storm or accident. This may include furniture, clothing, jewelry, appliances, electronics, children’s toys, and other personal items.
Your insurance company may require a rider to cover unusually expensive items, such as rare art pieces, professional tools, or high-end musical instruments.
Temporary Relocation Costs
If you are unable to remain in your property, your plan may cover temporary relocations costs, including the cost to stay in a hotel and meals out. Many policies cover these costs for up to a year, but your plan’s coverage may vary.
If someone else sustains injuries while on your property, your insurance plan may cover their medical costs. For example, if your dog attacks a guest or a friend slips and falls on your driveway. Coverage will vary based on details of your situation.
To learn more about what damages you may be able to recover, contact a personal property damage claim lawyer in Florida at 1-800-747-3733.
How We Can Help with the Appeals Process
Damage to your home can impact more than just your physical property. The team at the Law Offices of Anidjar & Levine understands the wide-reaching impact a denied American Integrity property claim can have on your life.
Our goal is to make the appeals process as pain-free as possible. Here is how we make this process easier.
Gather Additional Information
In some cases, American Integrity simply needs more information. Our team will investigate your situation and gather more proof to build a stronger appeal.
Reevaluate Your Damages
We may evaluate the amount of damages in your initial claim, and in some cases, we may hire an independent adjuster to review your claim. This information will help us build a stronger appeal.
Submit an Appeal
We take care of all the paperwork to file your appeal, including meeting deadlines and giving American Integrity more information, if they require it.
Fight for Your Rights in Court
If required, we will take your claim to court. Our team will present your claim to the judge or jury and keep you updated each step of the way.
With the Law Offices of Anidjar & Levine on your side, you can relax. We understand how the insurance companies work and are not afraid to battle for your right to recover damages from American Integrity.
Statute of Limitations for Florida Property Damage Claims
If your property sustained damage in a hurricane, you have three years from the date of the storm to pursue your claim.
Contact a Property Claim Lawyer in Florida Today
At the Law Offices of Anidjar & Levine, we understand how frightening it can be when American Integrity denies your claim. It does not seem fair that they can say no when you have been paying for coverage for years.
Our team can help with your denied American Integrity property claim. Call us today at 1-800-747-3733 to discuss your claim denial.