Making a storm damage insurance claim isn’t easy, and there are lots of chances to make a mistake. Unfortunately, errors in your claim application can result in you losing the coverage you would otherwise be owed under your policy.

There are three errors commonly cited as the most common mistakes that lead to insurance claim rejection—even if the claim was otherwise valid. Keep reading to learn about these mistakes to ensure you don’t make them yourself.

Late Filing

The simplest mistake that can get your insurance claim denied is filing late. The amount of time you have to file will depend on your policy. In some cases, insurance companies don’t have set time limits on how long you have to file. Instead, you’re expected to file in what’s known as a “timely” manner. 

What this means in practice is that you will usually have about 60 days to file a claim, but you may be able to wait longer under special circumstances. If your claim is going to take 60 days or longer to complete, get in contact with your insurance adjuster to discuss your options. Keep in mind that some insurance companies may have deadlines shorter than 60 days.

If you’ve done everything in your power to complete your claim in time, and your claim was still denied for a late filing, consider talking to a bad faith insurance lawyer to learn if you may still be owed coverage.

Missing Information

There are some key bits of information that will need to be included in your insurance claim in order for you to get coverage. Failing to include this information can result in an insurance claim denial. Some important information that is sometimes accidentally left out of insurance claims include the date of the accident, the date of medical care or repairs, and documentation of the damage to your home.

Missing Details

Finally, many insurance claims are denied because they just aren’t detailed enough. Your insurance application should provide as many details in support of your claim as possible. This includes making sure that information is clear and easy to understand. Make sure you carefully read your policy before completing your application to ensure that your wording fits your plan.

Storm Damage Insurance Claim Denied? Get Help From Bad Faith Insurance Lawyers

As you can see, there are many reasons why an insurance claim might be rightfully denied by your insurance company. However, there are also cases in which insurance companies act wrongfully to get out of paying what they owe. If you think your insurance company is wrongfully delaying or denying your claim, they may be acting in bad faith.

To get help fighting back against bad faith insurance tactics, reach out to a Texas bad faith insurance lawyer. An experienced bad faith insurance lawyer can help you determine what you’re owed and what you need to do to get it.

If your insurance claim has been wrongfully denied, reach out to a Texas bad faith insurance lawyer for help getting whatever you may be owed.

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