A shingle is blown off your roof during a storm, causing water intrusion into your home. A pipe bursts, flooding your bathroom. A fire destroys your small business's office.

In these scenarios, and in many others, you expect your insurance company to diligently respond to the claim and provide compensation to restore your property to its pre-loss condition.

Then, they deny your claim.

Your insurance company may have had a valid reason for denying coverage. But oftentimes, they get it wrong.

Dealing with property damage can be a stressful and overwhelming experience, but when your insurance company denies your claim, it can be devastating. While you may be tempted to appeal the claim on your own, it is often in your best interest to hire an attorney. Here's why:

Complete Claim Review

An experienced insurance claims attorney will analyze your insurance policy in the context of the loss to help you understand your legal rights and options. The attorney will let you know whether, in their opinion, your claim was rightfully or wrongfully denied. Then, they can give you advice on how to proceed, including filing an appeal or filing a lawsuit to recover damages.

Knowledge and Experience

An attorney has the knowledge and experience to navigate the insurance claims process. Insurance policies can be complex, and the claims process can be confusing and overwhelming. An attorney who specializes in property damage claims has the experience and knowledge to navigate the process and fight for your rights as a policyholder. They can help you understand the policy language and determine whether the insurance company has acted in bad faith or breached its contract with you.

Negotiation Skills

An attorney can negotiate with the insurance company on your behalf. Insurance companies have teams of lawyers and adjusters whose job it is to minimize the amount they pay out on claims. By hiring an attorney, you have someone on your side who knows how to negotiate with the insurance company and can fight to ensure you receive fair compensation for your property damage.

Evidence Gathering

An attorney can help you gather the evidence you need to support your claim. In order to prove your case, you need to provide evidence of the property damage and its cause. An attorney can help you gather the necessary evidence, such as photos, repair estimates, and witness statements, to build a strong case in your favor.

Filing a Lawsuit (When Necessary)

An attorney can represent you in court, if necessary. If your insurance company refuses to pay your claim, you may need to file a lawsuit to recover damages. An attorney can represent you in court and fight for your rights as a policyholder. They can present evidence, argue on your behalf, and advocate for a fair settlement or judgment.

If your property damage claim has been denied by your insurance company, it is likely in your best interest to hire an attorney to pursue your claim. At Conte Injury Lawyers, there are no hourly fees – you won't pay us anything unless we obtain a recovery for you. Call us today (888-333-9833) for a free claim evaluation.