Few things in life are as overwhelming and devastating as losing your home or business. Whether the loss occurs as a result of a natural disaster or due to negligence, you shouldn’t have to fight with your insurance company to get the money you deserve. Our Property Damage Insurance Claim Denial Attorneys In New York can help you get the money you deserve.
When you buy insurance, you are paying for the promise that your insurance company will reimburse you if something goes wrong. Sadly, insurance providers don’t always live up to their end of the bargain.
If your insurance company is refusing to pay or is denying your claim, reach out to the New York business attorneys at Rosenbaum & Taylor to talk about your options. You can reach us at XXX –XXX–XXXX.
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How To Dispute The Denial Of An Insurance Claim In New York
Insurance companies will do whatever they can to protect their profits. That often means looking for reasons to deny claims. When problems like cracked foundations, damage from fires, or water damage occurs, they may try to convince you that losses like these are not covered under your policy. If you file a claim and it is denied, you still have options. This is particularly true if the underlying cause of the damage to your property is undecided or questionable. A qualified attorney can dispute the denial, helping to ensure that your rights are protected. You diligently pay for insurance year after year. When something goes wrong, you deserve to be fairly compensated for your losses.
Insurance providers usually use one of several different arguments when attempting to avoid paying a claim. These arguments can include:
- Saying that there was an error when the claim was filed
- Conducting their own investigation in an attempt to discredit the claim
- Stating that any damages aren’t covered by the insurance policy
- Giving the client a lowball offer
- Delaying the payment
- Trying to claim that the policyholder was not in compliance with the contract
Even if the insurance provider believes that the claim is not valid, the lawyers at Rosenbaum & Taylor will conduct a thorough investigation. Using their findings, they will then take on the insurance company to ensure that you get the money you are owed.
What Does The Term “Bad Faith” Refer To In The Insurance Industry?
Insurance providers are obligated to act in good faith when dealing with their clients. Anytime someone files a claim, they should conduct a thorough investigation, paying out however much money is owed for the resulting damages as dictated by the terms of the insurance policy. In some cases, however, insurance companies deny claims without offering a legitimate reason for the denial. In cases like these, working with a lawyer is the best way to prove that the insurance company is acting in bad faith.
Acts of bad faith in the insurance industry can include the following:
- Delaying payments longer than necessary
- Paying a lower amount than the policyholder deserves
- Claiming that the person filing the claim is misrepresenting their losses
- Interpreting the terms of the policy in a way that is unfair or unreasonable
- Not conducting a thorough investigation of the claim or delaying the investigation
- Hiding information about a claim
- Harassing the policyholder or committing fraudulent acts when investigating the claim
- Changing the terms of the policy without letting the policyholder know
Even the most well-respected insurance providers sometimes act in bad faith. Sadly, the victims in cases like these are often incapable of fighting back because of age, a lack of financial resources, or serious injuries. If you think that your insurance company is acting in bad faith, reach out to an experienced lawyer today to find out what your options are. You may be able to take legal action to get the money you are owed.
Expert Legal Representation In New York City
If you filed a property insurance claim and it was denied by your insurance company, contact Rosenbaum & Taylor today. Our experienced property damage lawyers will meet with you for free to talk about your case. Together, we have years’ worth of experience dealing with insurance claim denial cases in New York.
We will take on any insurance company that is acting in bad faith to ensure that they are held responsible. Ultimately, we want you to get the biggest settlement possible for the damages that you sustained.