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What to do after a homeowner’s insurance claim denial

Chances are, you pay a substantial amount to have homeowner’s insurance coverage for your Washington home, and you do so with the hope that you can fix issues fast in the event of an emergency. At the LePley Law Firm, we have found that many homeowners anticipate having something covered, only to receive denials in response to their claims, and we have helped many people facing these circumstances pursue solutions that meet their needs.

According to Fox Business, one of the first things you should do upon finding out that your homeowner’s insurance provider has no plans to cover your claim is stay calm. It makes perfect sense that you might feel frustration or anger after a homeowner’s insurance claim denial, but typically, responding in anger can only make the matter worse.

If you wish to fight the denial, you will need to make sure you have a solid understanding of your policy and its terms. You will also need to go over the insurance provider’s explanation of why it denied your claim to see how it aligns, or does not align, with the terms outlined on your policy. If you think it is necessary, you can request additional clarification about how the insurer arrived at the decision to deny your claim.

If you feel unsatisfied with your homeowner’s insurance provider’s response, you may want to move forward with filing an appeal. To do so, you will need to access the appropriate paperwork and file it accordingly. If you receive a denial in response to your appeal as well, but you still feel as if you are in the right, you may need to take legal action against your insurance provider. You can find more about insurance coverage disputes on our webpage.

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