When your property is damaged, you expect your insurance company to cover your losses under the terms of your coverage. After all, you held up your end of the contract by making monthly payments; now you expect Nationwide to cover your losses.
However, the claims process can be complex. You may have left out required documentation or failed to fully prove your damages. These and other factors can lead insurance companies to pay you less than you are entitled to.
If your Nationwide property damage claim was denied, our team at the Law Offices of Anidjar & Levine can help you determine the steps that may be available to you.
Reasons Why Nationwide Denied Your Property Claim
After a storm or other disaster causes damage to your property, it can be a shock to find out Nationwide has denied your claim. Here are a few common reasons property damage claims get denied:
- Not notifying Nationwide in time. Most policies require notification of the damage within a certain time frame. There may also be other time limits you must meet.
- Failing to pay your premium on time. If you failed to pay your insurance premium, your policy may have expired.
- The cause of the damage is not covered. Most insurance companies have exclusion clauses, which outline specific situations or types of damage that are not covered. For example, most homeowner’s insurance does not cover flooding.
- Insufficient proof of your losses. You must prove the damage that occurred; if you are unable or fail to show enough evidence of damage, Nationwide may deny your claim.
- Damage deemed to be caused by homeowner neglect. Nationwide may argue that your actions caused or contributed to the damage, which could affect your ability to recover compensation for your losses.
Sometimes, denials occur due to a lack of information. For example, the insurance company may want additional proof of your damages. In this case, sending in additional photos may solve the problem.
If Nationwide denied your Florida property damage claim for these or any other reason, you have the right to appeal their decision. Contact a property claim lawyer in Florida at 1-800-747-3733 for help reviewing your coverage.
How the Law Offices of Anidjar & Levine Can Help with Your Denied Nationwide Property Claim in Florida
Hearing your property damage claim has been denied can be frightening. You thought you had coverage for this sort of thing, and now the insurance company is saying they do not have to pay.
You want a legal team who can help you navigate the property damage process. Here is how the Law Offices of Anidjar & Levine can help:
Review Your Coverage
Our first step is to review your coverage and determine what events and damages are covered. If Nationwide is not meeting the terms of your contract, we can push for a resolution.
We may also look for other policies that offer coverage. For example, if your main homeowners’ policy does not cover flooding, you may have separate flood insurance. Or, your car insurance may cover flood damage to your car.
Gather Additional Proof
In some cases, we may be able to appeal a denial by gathering and submitting additional proof of your losses. We may take more photos of the damage, gather receipts, and collect additional proof to support your claim.
Push for an Independent Adjuster
If we believe the adjuster is undervaluing your claim, we may push for an independent adjuster to review the damage to your property. They may discover additional damage or offer a more accurate view of the cost to repair your property.
File Your Appeal
We take care of all the paperwork required to file your appeal and recover the compensation you deserve. This includes submitting additional documentation and working with Nationwide to resolve your claim.
Take Your Claim to Court
Sometimes, the insurance companies do not want to deal in good faith. If this occurs during your Nationwide property claim, we may take them to court. There, we will present your case to the judge or jury and push for full compensation.
Contact a Property Claim Lawyer in Florida for Help with Your Claim
Sometimes, resolving a denied Nationwide property claim is as simple sending in additional paperwork. Other times, the insurance companies will require us to prove our case in court.
No matter why your claim was denied, we can help. Let us review the details of your claim and push for fair compensation for your losses. You paid for coverage, and now you need to use it. Our goal is to hold Nationwide accountable for your losses under the terms of your insurance policy.
If Nationwide denied your property damage claim, our team can help pursue damages. Contact the Law Offices of Anidjar & Levine at 1-800-747-3733 to discuss your claim denial.