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Why would your insurance company deny a fire claim?

On Behalf of | Dec 6, 2021 | Residential Homeowner's Insurance Litigation

Most homeowner’s insurance policies cover fire damage that affects a residential property. Not all of them will pay out for a fire, though, depending on the circumstances.

There are times when it’s appropriate for the insurance company not to pay. For example, if the company believes that you set your building on fire on purpose, then it may refuse to pay. Similarly, if you made a mistake on your paperwork or you missed paying your insurance premiums, then the company may also deny your claim.

However, sometimes insurance companies refuse to pay despite a legitimate claim. 

What can you do if your insurance company won’t pay for fire damage?

If your claim is denied, the first thing you should do is look at the reason for the denial. If the company is accusing you of arson or of missing a payment that you know you made, then you need to take action to refute those claims. You may want to talk to an insurance claim attorney who has worked with this insurance company in the past and who is familiar with their negotiation style to get claims approved. Sometimes, just showing that you’re serious about litigating is enough to get the company to reconsider the denial. Other times, resubmitting documentation and refuting the insurance company’s reason for the denial will help get the claim approved.

If you are having trouble getting a claim for a fire approved, you should look for additional help. Don’t assume that a denial is final. You have a right to appeal the company’s decision and to seek the compensation you deserve from your insurance policy.

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