Hurricane Insurance Claim Dispute Assistance in Big Pine Key

Challenging an insurance claim denial is as simple as filing an appeal, but it’s often not as easy as it sounds. You can file an internal appeal, where you ask your insurance provider to conduct a review of your denial in a timely manner, or an external appeal, which involves the use of a third-party review of your claim. The insurance company doesn’t have the final say in whether your claim is paid in external appeals, whereas they can still deny your claim again in an internal appeal.

The specific steps you’ll have to take to challenge an insurance claim denial vary by state and the circumstances surrounding your case. But, regardless of the path you’ll take, you deserve to be treated fairly by your provider and granted the compensation your contract entitles you to, even if the damage was minor. There’s a lot on the line after a hurricane. You’ll need to rebuild, recover, and find a new normal way of life with your family and community. Without your rightful compensation, this process could be prolonged or taken from you, all because the insurance company chose to act unethically in your moment of need.

If you’re facing an insurance claim denial after a hurricane, you should contact an experienced attorney to assist you as you navigate through the process. Their legal knowledge could be the difference between recovering the full extent of what you deserve and paying for the damage out-of-pocket, so you shouldn’t just choose an attorney at random. Florida is home to many attorneys, some of which are immensely talented, but there aren’t many firms that can increase your chances of success like Morgan and Morgan, America’s largest personal injury firm. Anyone searching for hurricane insurance claim dispute assistance in Big Pine Key has a trusted legal partner in us, and we’re available for no upfront costs.

Any case of inclement weather can cause both human and property damage that can change your life forever, potentially leaving you without your vehicles, home, or loved ones. When you receive an unjustified denial, you’re forced to pay for the damage you sustained from your own pocket—something unacceptable after a situation so severe. Most people aren’t financially prepared to shoulder a significant burden at a moment’s notice, which leaves many accident victims under a mountain of debt to complement their physical damage. Instead of treating you like a person who’s paid into their contract, they treat you as a number in their system, forcing you to figure out another method of recouping the damage and returning to your normal life.

While an attorney isn’t necessary after a hurricane insurance denial, it does increase your chances of reversing the verdict if your claim is valid. Some may feel that it’s an unnecessary expense, but if you gamble and lose out on recovering what you’re entitled to, you could be left in a financially restrictive position. An attorney can help lift this burden, giving you an opportunity to advocate for yourself and fight to reverse the denial. They may try to push back with an expensive legal team or another oppressive tactic, but with a Morgan and Morgan attorney by your side, you can sidestep these hurdles and reach the finish line of your case.

Hurricane insurance is one of many different types of wind insurance, which also includes wind and hail, windstorm, and named storm insurance, amongst others. The specific name of this coverage will vary by jurisdiction and is almost always an additional coverage you select with your homeowner's policy, but it does cover wind damage resulting from a hurricane. Without this coverage, you won’t be able to recover the damage you sustained as a result of the storm.

Wind insurance isn’t always included in your insurance policy, and hurricane insurance isn’t available in all areas. There are other options, like flood insurance, but you aren’t required to elect for any of these coverages if you don’t want to. Those who live in hurricane-prone areas should probably opt for a significant amount of this coverage to ensure they’re able to recover in the event of a storm. But, as we know, you could be denied your payout even if you hold this coverage because your insurance company chooses to delay, diminish, or deny to honor your contract. There are a lot of situations that you can handle on your own, but a hotly contested insurance matter isn’t easy by any means, and you don’t want to risk something as important as your rightful compensation.

Insurance claim denials aren’t easy, but the cost of assistance often stands in the way of victims and their rightful compensation. Fortunately, our Morgan and Morgan’s Big Pine Key attorneys operate on a contingency, meaning that it costs you nothing upfront to hire us, and we’re only paid if we win your case. That’s right—the fee is free when you team up with America’s largest personal injury firm. We take our fee from the favorable settlement or jury award at the end of your case to allow anyone to afford comprehensive representation after an insurance claim denial, regardless of their financial status at the time of the storm. Not only does this keep the costs low on your end, but it also keeps everyone involved centered around one singular goal—recovering every penny of the compensation you deserve in your hurricane insurance claim dispute.

In the most difficult moments of your life, Morgan and Morgan has your back. The bottom line? No insurance company should rob you of your rightful compensation after you’ve sustained damage in a hurricane or other inclement weather event if they’ve opted for coverage. Anyone that does, or those that just need assistance in finding their next step, should seek out the help of a trusted attorney as soon as they receive the denial. They can help you navigate through the process and give you the information you need to make educated decisions and reach the finish line with ease, but you should remember that not all attorneys are the same.

You should choose the firm with the most experience, resources, and benefits—Morgan and Morgan. Our team is uniquely capable of providing hurricane insurance claim dispute assistance in Big Pine Key for anyone that finds themselves as a victim of a hurricane and an unethical insurance company. While no amount of money can reverse the situation you’ve endured, we can help you recover the resources you need to find a new normal and rebuild after the dust has settled.

Complete our free, no-obligation case evaluation to speak with our team.