Your Property Insurance Claim was Denied. What's Next?

While filing a claim is fairly common across the country, it’s also equally as common for your homeowners insurance company to deny or underpay your claim – especially here in South Florida.

For those who have filed a claim before or who are currently going through the process, don’t be surprised if your insurance carrier’s first reaction is to deny your claim, assert there is insufficient documentation to support the damages or in some cases, cancel your policy entirely based on errors in your original application.

Our instincts are to fight, get mad and take out our frustrations on the insurance carrier. However, the best course of action is to remain calm and not let your emotions dictate your next steps. You’ll likely receive a letter from your insurance company that specifies why your claim was denied or partially denied and once you receive that letter, you should take the following steps.

Have that letter and your policy reviewed by a Miami property insurance attorney that specializes in insurance law. You need to understand the full scope of your policy’s coverage and a good attorney will be able to not only explain that to you, but also provide you with the direction and next steps in addressing the denial letter.

Unfortunately, having your homeowners insurance claim denied, especially after a major natural disaster such as a hurricane, can be confusing and extremely frustrating. That’s why it’s important to have an experienced insurance litigation team behind you to advocate on your behalf and ensure you receive the fair and just compensation you deserve for your loss.

If you have sustained damage and losses in your home or business, or are currently involved in a claim that is being denied, underpaid or delayed, contact our Miami property insurance claim attorneys at the Acle Law Firm today at 305-447-4667 or visit for a free consultation.