There are very few things that can be as devastating and overwhelming as losing your business or home. Whether the loss is due to negligence or a natural disaster, there is no need for you to fight your insurer just to ensure you get the compensation you deserve. Westchester County Property Damage Insurance Claim Denial Lawyers can take the stress off of you and put the pressure on your insurance carrier.
When you buy a policy, you pay for the guarantee that the insurer will reimburse you your money should anything go wrong. Sadly, insurers generally never live up to this promise. If your insurer is denying your claim or is refusing to pay, give the expert business firm in New York at Rosenbaum & Taylor a call for more on options available. Call (914) 326-2660 now!
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What Does It Take To Dispute Insurance Claim Denials in Westchester County?
Insurers will do everything in their power to protect their profits, and one of the ways they do this is by looking for reasons to deny your claim. When issues like water damage, cracked foundations, or damage from fire occur, your insurer might try and convince you that such losses aren’t covered by the policy you have taken. So, what do you do if your request for compensation is denied? The good thing is that you still have options. This is especially true if the cause of the damage is questionable or undecided. A qualified lawyer can dispute your insurer’s denial, helping ensure your rights for compensation are protected. Since you pay for insurance every year without fail, you deserve to be well compensated for losses incurred should anything go wrong.
Insurance providers generally use either one of the following arguments when trying to evade paying out a claim. Some of their arguments include:
- Conducting private investigations to try and discredit a claim
- Saying there was an error during the filing of the claim
- Stating that the policy does not cover some of the damages
- Claiming that the client wasn’t in compliance with the contract
- Delaying payments
- Giving the client a low-ball offer
Even if the insurer believes that the claim isn’t valid, the Westchester personal injury defense attorneys at Rosenbaum & Taylor will perform thorough investigations to establish the truth. From what they find out, they’ll then take on the insurer to ensure that you get compensated.
What Does “Bad Faith” in the Insurance Industry Refer To?
When dealing with their clients, insurers are obligated to always act in good faith. As such, anytime a client file a claim, it is expected that they should conduct thorough investigations and payout as much money as they are owed for resulting damages as per the terms of the client’s policy. However, in some instances, insurers deny claims without offering legitimate reasons as to why they rejected it. In such cases, hiring the services of an attorney is the best course of action to take as you try to prove that your insurer is acting in bad faith.
Things that are considered acts of bad faith within the insurance industry:
- Paying amounts that are lower than what the policyholder deserves
- Delaying payments for longer than necessary
- Interpreting policy terms in a manner that’s unreasonable or unfair
- Claiming that the individual making a claim is distorting the truth about their losses
- Hiding critical information that’s related to a specific claim
- Delaying an investigation or not conducting as thorough an investigation as possible
- Changing the terms of a policy without informing the policyholder
- Committing fraudulent acts or harassing a policyholder while investigating a claim
It is worth noting the even some of the most well-respected insurers sometimes act in bad faith. The sad thing is that most of the victims in such cases are often not in a position to fight back because of serious injuries, age, or a lack of financial resources. If you believe your insurer is acting bad faith, please reach out to a professional and experienced attorney today for legal advice and more information on some of the options available to you. In most cases, there is a chance to take legal action and get back monies owed to you.
Get Represented by Some of the Best Legal Experts in Westchester County
If you filed a claim for property insurance in Westchester, NY and your insurer denied your request, call Rosenbaum & Taylor right now for a free consultative meeting so we can discuss your case. We are here to provide you with the legal assistance and representation you need.
Our team of attorneys has years’ worth of experience when it comes to insurance claim denial cases. We’ll take on any insurer that’s acting in bad faith and will make sure that they’re held responsible. As your legal advisor and representative, our primary goal is to ensure that you get the largest settlement possible for damages you’ve sustained.