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Daytona Beach Lawyers > Blog > Property Damage / Insurance > Appealing A Denied Property Damage Claim

Appealing A Denied Property Damage Claim


Property damage insurance can prevent you from having to pay tens of thousands of dollars or more out of pocket. However, insurance companies are adept at finding reasons to deny claims. In this situation, you do have options and do not have to simply accept the insurer’s decision. Our Daytona Beach property damage attorneys defend your rights in disputing denied claims and can guide you in an appeal.

Denied Property Damage Claim?

According to the Insurance Information Institute (III), net premiums for insurance companies throughout the U.S. total more than $1 trillion each year. As for-profit businesses, a primary focus for these companies is protecting their profits. Among the ways they accomplish this goal is by denying and disputing claims.

There are multiple reasons why an insurer could deny your property damage claim. Your first step is to find out the exact cause.  Under the Florida Homeowner Claims Bill of Rights, the insurer is required to provide you with notice of a full settlement, a partial payment, or a denied claim within 90 days. If they do deny your claim, they are also required to notify you of the exact reason.

Before simply accepting their decision or filing any type of appeal, carefully review the reasons stated. Among the most common include:

  • An administrative error was made on the part of the insurance company, resulting in a denied claim. This should be relatively easy to address;
  • You failed to provide adequate information or documentation of your damages, which you should then do so immediately;
  • There are issues regarding the terms of coverage or policy exclusions. In this case, reach out to our Daytona Beach property damage claims attorneys to have us carefully review all policy documents.

In some circumstances, the exact reason for the denial of your claim may not be immediately obvious. You have the right to ask the insurance company for additional clarification before accepting their decision.

Your Options In Dealing With A Denied Claim

If your property damage claim continues to be denied after clarifying the proper procedures were followed, providing any additional documentation needed, and reviewing the terms of your coverage, there are several options available.

  • File a complaint with the Florida Financial Department’s Division of Consumer Services. Unfortunately, this can be a long process and may still not get you the compensation you deserve.
  • Consult with our Daytona Beach property damage attorneys. We can review the circumstances surrounding your case and negotiate with insurance representatives on your behalf, with the goal of reaching a settlement.
  • If a settlement cannot be reached, we can take the next step in appealing your denied claim, which is to file a lawsuit against the insurance company involved.

Reach Out to Us Today for Help

At Bundza & Rodriguez, P.A., we have extensive experience dealing with insurers, helping clients get the compensation they deserve. To get our legal team on your side, give us a call or contact our Daytona Beach property damage attorneys online and request a consultation today.


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