Insurance Lawyers: Homeowners Claim Denials
Two of the most frequent reasons for homeowners insurance claim denials are the application of policy exclusions and disputes over valuation.
Policy Exclusions
Claims for damages caused by landslides, earthquakes, fires and theft often raise disputes about exclusions in homeowner insurance policies. In order to increase their bottom line, insurance companies may deny claims based upon overbroad interpretations of exclusions in your policy. However, these denials may sometimes be reversed if there is a question about what truly caused the event that damaged your property. Not all water damage qualifies as flood damage, for example. Was the landslide a natural disaster or was it caused by the negligence of your uphill neighbor? The insurance attorneys of Pillsbury & Levinson, LLP will investigate your case to determine what caused the damage and help you receive all the benefits you are entitled to under your homeowners insurance policy.
Valuation Disputes
Insurance companies often give policyholders a low valuation of their property losses and underestimate how much it should cost to repair or replace it. Please don't sign a settlement agreement without first speaking with an attorney who can help you receive insurance coverage for the true value of your damages.
Failure to Defend
If someone is injured on your property, your homeowners insurance policy will usually require the insurance company to provide an attorney at the insurance company's expense to defend you against claims which relate to your homeowners policy. An insurer's failure to defend, denial of valid claims, delays in payment and undervaluation of losses may be examples of an insurance company breaching its contract with you or insurance bad faith.
At Pillsbury & Levinson, LLP, our attorneys represent policyholders in insurance coverage disputes and in insurance bad faith litigation. To learn if we can be of assistance to you, please contact us today. From our offices in San Francisco, we represent policyholders throughout California.
