Low Property Damage Denial In Baltimore
When you suffer property damage following a car accident in Baltimore City, you don’t want to waste your time with an insurance company that wrongfully gives property damage claim denials for damages. When you pay the premiums, it’s expected that you will receive payment when you submit a valid personal injury claim. Luckily, if an insurance company denies a property damage claim, you have the right to fight back with an attorney experienced in these types of matters. Hyatt & Goldbloom understands how insurance companies play these kinds of games and we have the expertise and results to fight for your right to repayment.
Common Reasons For Property Damage Claim Denials
There are a number of excuses an insurance company may try to use when attempting to deny a claim for low property damage. More times than not, this is due to the insurance company simply not wanting to pay out for damages sustained. Some of the more common excuses we hear include:
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- Non-payment of premiums
- Exclusion clauses
- Failing to file a claim on time
- False or questionable claims
- Insufficient evidence of damages
- Failure to take adequate preventative measures to avoid damage
There are many reasons an insurance company may deny a claim, so if your claim has been denied for a reason not mentioned on this list above, don’t be alarmed. In most cases, a damage claim is denied because insurance companies believe they are not obligated to pay the claim under the insurance policy. Some of these reasons are often based on the belief that you failed to live up to your side of the contract. Some examples of this would include failure to pay premiums or failure to take preventative measures to avoid damage during a car or truck accident. Other reasons for low-property damage denial are based on the language of the insurance policy. Although most people don’t, if you read an insurance policy closely, you’ll see the terms and conditions include many exclusions or situations the insurance company is not responsible for covering. These exclusions are generally where insurance companies will claim you have voided the contract and are not eligible for a payout. In order to avoid paying these claims, insurance companies try to find any loophole possible to make sure your claim fits into one of the itemized exclusions.
What If The Insurance Company Denies My Claim?
If an insurance company denies your claim for property damage coverage, they must send you an explanation of exactly why they denied the claim. The explanation of denial usually will include a deadline for you to file an appeal or review of the denial if you so choose. To preserve your rights, and to receive what you are owed, do not let this deadline pass without submitting the required request for appeal or review. An experienced Baltimore property damage denial attorney can help you through this process and dispute any unfair or false assumptions for denial. If the insurance company denied your claim due to lack of evidence, you can submit additional evidence of damages and costs of repair with your appeal that could resolve the property damage denial. If the insurance company refuses to approve your claim upon review and you believe you are entitled to payment, we recommend that you file a complaint with the state of Maryland insurance bureau or other entity in charge of regulating insurance companies.
However, if you’re still denied payment for property damage, you can file a complaint or a property damage lawsuit asserting your rights under the insurance policy. This type of lawsuit is essentially a breach of contract claim, alleging the insurance company did not live up to its requirements under the policy. Making these claims alone can be daunting, but with the help of an experienced personal injury law firm, together you can hold the insurance company accountable.
Consult With Our Property Damage Claim Denials Lawyer Today
If you believe your insurance company wrongfully denied your property damage claim for payment under your policy, reach out to an attorney experienced in handling property damage denial claims. Our property damage claim denials lawyers at Hyatt & Goldbloom know all the tricks insurance companies will try to pull. Don’t be a victim twice after an accident, contact Hyatt & Goldbloom today to discuss your rights to payment.
