The 5 Most Common Reasons for Homeowners Insurance Claim Denials in Florida

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The 5 Most Common Reasons for Homeowners Insurance Claim Denials in Florida

Homeowners insurance claims can be a tricky business. If you’ve submitted one, then you know how frustrating it can be when your claim is rejected. Y

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Homeowners insurance claims can be a tricky business. If you’ve submitted one, then you know how frustrating it can be when your claim is rejected. You file the claim, submit all of the required documentation and wait to hear back about whether or not your claim has been approved, only to find out that it has been denied instead. When this happens, don’t give up hope just yet! There are several reasons why your homeowners insurance claim might have been denied, and with some extra effort on your part, it might be possible to get your claim approved after all.

Damage by an insured party

One of the most common reasons for homeowners insurance claim denials in Florida is damage caused by an insured party. For example, if your home catches fire and it’s determined that the fire was caused by your negligence, your claim will likely be denied. Another example would be a water leak or burst pipe inside your home. You’re not covered for this type of damage unless you purchased additional coverage from your insurer.

In addition to homeowners’ insurance, certain types of homeowner’s policies may also exclude flood damage or other damages arising from severe weather conditions or disasters such as hurricanes, earthquakes or tornadoes. You should check with your insurer to see what coverage’s are included on your policy before filing a claim!

Failure to properly maintain your home

One of the most common reasons for homeowners insurance claim denials in Florida is failure to properly maintain your home. Your policy will likely have a clause that requires you to keep your home in good repair and make any necessary repairs or replacements in a timely manner. If you don’t, your insurer may deny your claim. For example, if you fail to paint your house every few years, this could be seen as evidence that you are not keeping it in good repair. You can also run into trouble if the roof leaks and water gets inside but there are no signs of mold on the outside walls. Without evidence of mold, the insurance company might argue that it was just rainwater and not covered by your policy.

A second problem with maintenance is too many people trying to do different jobs themselves instead of hiring professionals like plumbers or electricians. Some policies require homeowner’s permission before an authorized contractor performs work on their property. Failure to follow these guidelines can lead to denial of a valid claim when something goes wrong.

Maintaining your home includes taking care of issues such as cleaning gutters, inspecting smoke detectors and changing air filters regularly, maintaining landscaping near your property line so bushes don’t block access to emergency exits, repairing broken sidewalks and driveway cracks so people can get out quickly during an emergency such as fire.

Collapse of defective buildings/structures

One of the most common reasons for homeowners insurance claim denials in Florida is the collapse of defective buildings or structures. This can be due to a variety of factors, including poor construction, bad materials, or lack of maintenance. If your home suffers from any of these problems, it’s important to get it fixed as soon as possible to avoid further damage and potential injuries. And when you do file an insurance claim, make sure you keep all documentation about the repairs and give all of your records to your lawyer so they can help you with the process. There are other common causes for homeowners insurance claim denials that we have seen, including weather-related incidents such as hurricanes and tornadoes, vandalism or theft (including burglary), faulty wiring, sewage backup, fires and earthquakes.

It’s important to know the risks of living in certain areas before signing up for a policy – after all, who wants to pay sky-high premiums if there’s a high risk that their home will never be covered? Other common causes for homeowners insurance claim denials include weather-related incidents such as hurricanes and tornadoes, vandalism or theft (including burglary), faulty wiring, sewage backup, fires and earthquakes. Sometimes coverage isn’t extended past the building itself to anything on the property; this includes cars parked outside that might not be insured by an individual auto policy.

Theft/vandalism

One of the most common reasons for homeowners insurance claim denials in Florida is theft or vandalism. Your home is likely to be one of your most valuable assets, and if it’s damaged or destroyed, you’ll need to file a claim with your insurer to recoup your losses. But if your insurer denies your claim, you may need to hire an attorney to help you get the compensation you deserve. The attorneys at Taylor Law Group have extensive experience handling homeowners insurance claims that were denied due to theft or vandalism. If your claim was denied because of these circumstances, please contact us today so we can review your case and discuss how we can help you. Our lawyers are here to represent you every step of the way – from working with your insurer on your behalf to take care of any issues they might be having with processing your claim, all the way through trial and appeals if necessary.

Storms and Hurricanes

In recent years, Florida has been hit hard by a number of hurricanes and tropical storms. And while your homeowners insurance policy may cover wind damage, there are often limits on the amount of coverage. If your claim exceeds your policy limit, you’ll likely be responsible for paying the difference out of pocket. In addition, most policies have a separate deductible for hurricane-related damage. So even if your claim is covered, you’ll still be responsible for paying a portion of the repairs yourself. That’s why it’s important to review your policy and make sure that you’re adequately protected before disaster strikes. You should also consider adding an endorsement (an additional rider) to your existing policy that will extend the amount of time you can get emergency repair work done without having to pay any out-of-pocket costs.