After your property suffers damage, it can come as a shock to find out Liberty Mutual denied your property claim. After all, you paid for coverage to protect your property in case of damage.
The Law Offices of Anidjar & Levine understands how frustrating it can be when a rightful property claim receives a denial. However, you still have legal options. Our team can research your claim and file an appeal on your behalf for your denied Liberty Mutual Property Claim.
Our legal team handles denied Liberty Mutual claims for all types of situations. Whether your home was damaged by a hurricane such as Irma or Michael, a fire, or another event, we can help. Call 1-800-747-3733 to speak with a member of our team today.
Reasons Why Liberty Mutual May Have Denied Your Property Claim
Your property was damaged, and you expect your insurance company to cover the costs associated with repairing or rebuilding your property. That is why you have property damage insurance, after all.
It can be a shock to find out your claim has been denied, but there are multiple reasons for denials, including the following:
Lack of Information
In some cases, your claim may be valid, but you failed to include enough information in your initial claim. Liberty Mutual may require proof of specific damages or may require you to include the cost of upgrades you made to your property.
False or Incorrect Information
If the insurance company believes you have included false or incorrect information, it may deny your claim. For example, it may think you have overvalued the cost to repair your property.
Failure to File on Time
The Florida statute of limitations gives you between three and four years to file your claim, depending on the details of your case. If you miss the window, you may not be able to recover damages. In addition, your policy may require you to notify Liberty Mutual when the damage occurs or soon after.
Your Damage Falls Under Policy Exclusions
Your insurance policy outlines situations when Liberty Mutual will and will not cover property damage. For example, most homeowner’s policies do not cover flooding damage. If the damage falls outside of the terms of your plan, you may receive a denial.
Negligence or Failure to Protect Your Property
Some policies may require you to take steps to protect your property, such as installing fire alarms. Failure to take reasonable precautions to protect your property from damage may result in claim denial.
Damage Does Not Exceed Your Deductible
Your policy likely requires you to pay the first few hundred dollars of damage out of pocket. For example, say your renter’s insurance has a $500 deductible, and you suffer $400 worth of damage. Liberty Mutual may deny your claim, as your damage does not exceed your deductible.
Your Policy Expired
If you do not pay your insurance premiums, your coverage may lapse. This means your property is no longer insured. If your policy has expired, then the insurance company may rightfully deny your claim.
The Insurance Company Is Trying to Save Money
The insurer may use unfair tactics to wrongfully deny your property damage claim. It may claim your coverage has lapsed when it has not. It may claim you have to pay an additional hurricane damage deductible without notice. Or, it may try to undervalue your claim and pay you less.
If your Liberty Mutual denied your property damage claim, you want a legal team who understands how the insurance companies operate. We can help. Call the Law Offices of Anidjar & Levine at 1-800-747-3733 for a free review of your claim denial.
How the Law Offices of Anidjar & Levine Can Help After Liberty Mutual Denies Your Claim
Your property was damaged, and it is only right that your insurance company covers your damage as outlined in your policy. You may not understand what your rights are or how to proceed. Our firm can help. We take over the entire claims process so you can focus on rebuilding your life. Here are the services we offer all property claim-denial clients. We:
- Review your coverage to determine if the insurance company is wrongfully denying your claim.
- Look for additional coverage you might have if your primary coverage does not cover your damage.
- Gather further evidence to build an appeal, including gathering repair estimates and possibly hiring an independent adjuster to assess your damages.
- File an appeal seeking a fair settlement on your behalf with Liberty Mutual.
- Negotiate with your insurance company to recover as much compensation as possible.
- Take your claim to court, if Liberty Mutual refuses to settle.
- Protect your right to compensation by ensuring all deadlines are met and accounting for all damages.
If your Liberty Mutual property damage claim was denied, our team is here to help. Our compassionate, responsive legal team can help you pursue the compensation you deserve.
Speak with a Property Damage Claim Lawyer Today
Times can be tough after your property is damaged. You may have nowhere to live, have no way to get to work, and be unsure if you can afford the repairs to your property. The property claim lawyers from the Law Offices of Anidjar & Levine are on your side. Our team can walk you through the appeal process and ensure your right to recover damages is protected.
You may now be faced with a denied Liberty Mutual property claim for a number of reasons. Our team will review your claim, determine the reason for denial, and file an appeal with Liberty Mutual on your behalf.