Hurricanes are massive storms that often leave a trail of death and destruction in their wake, and after such a storm, homeowners are often faced with expensive repairs. Hurricane insurance is supposed to provide for homeowners during such situations, but unfortunately some insurers do not take their obligations to their policyholders seriously.
Often, insurers deny claims for frivolous reasons, leaving homeowners left to pay for hurricane damages themselves. Fortunately, a dedicated attorney could work with you to make sure insurers pay what they should. If a hurricane or windstorm damaged your home, it might be wise to contact a South Carolina hurricane insurance claims denials lawyer.
Causation and Hurricane Claims
Causation is always a significant factor in insurance coverage disputes. When a hurricane destroys or damages property, the insurance company will often attempt to prove the damage was caused by a rainstorm or flood, not a hurricane.
Although floods and hurricanes are closely related, if storm damage is the result of a flood, tornado, or other types of meteorological occurrence, insurers may not have to pay. As a result, insurers sometimes go to great lengths to prove they are not financially responsible for any storm damage.
Property valuation can also become a problem. Often, hurricane insurers will agree to cover property, but at a much lower value than it is worth. For example, an insurer may not be capable of distinguishing between a priceless heirloom and an everyday object.
Such actions certainly may seem unfair, but they are fully legal from the perspective of an insurer. In light of that, representation from a South Carolina hurricane insurance claims denials attorney may be key to contesting such undervaluations and receiving an appropriate payout from an insurance policy.
Acts of Bad Faith
An insurance policy serves as a contract between a policyholder and an insurer. As long as the policyholder pays their premium on time, the insurer is obligated to provide the coverage they agreed to provide.
Unfortunately, things are not always so simple, and there will be times when an insurer acts in bad faith. When an insurer acts in bad faith, it means they are acting illegally by not providing the coverage they agreed to provide.
Often, insurers do not provide a clear explanation as to why they denied a claim. Other times, they may attempt to avoid paying by claiming the policyholder did not pay their premium, or the policy does not cover certain aspects of storm damage. When an insurance company acts in bad faith, a policyholder may need the help of a hurricane insurance claims denials lawyer in South Carolina.
Appealing a Denial
Most of the time, policyholders have the option to appeal an insurance decision. The opportunity to appeal may not seem attractive after an outright denial, but with the right legal assistance, many policyholders may be able to get their denial overturned and take advantage of the coverage they initially paid for.
The appeals process usually involves submitting additional evidence and information, and often, multiple steps are required. Policyholders may also have legal options at their disposal if they are underpaid.
Discuss a Potential Case with a South Carolina Hurricane Insurance Claims Denials Attorney
Hurricanes are life-changing storms that can destroy your livelihood and property you hold dear. After working for years to pay for your property, it can be immensely disappointing to receive a claims denial letter in the mail.
Luckily, you may still be able to get the coverage you deserve. Call a South Carolina hurricane insurance claims denials lawyer to discuss your case.