On March 24, 2013, a powerful unnamed storm hit our area. I’ve had 100’s of claims on behalf of policy holders arising out of that storm. This week, another homeowner came to us because their homeowners insurance company denied another claim for wind and hail damage.
As with most of these cases, the homeowners insurance company has hired professionals to evaluate the roof and conclude that there is no wind or hail damage. Many times, these “professionals” are just dead wrong.
To combat the insurance company I routinely hire an engineer, a roofer and a forensic meteorologist to show that that the roof sustained storm damage and is required to be replaced.
As with most of these cases, if I win, the insurance company must pay my attorney’s fees and costs; and if I lose, I’ll work for free.
If there is one message I want to get across to policy holders, it is this: A denial letter is not the end of the inquiry, it is just the beginning! Do not be intimidated by a denial letter no matter how strong you think it is.
Every insurance case I’ve ever won has one thing in common. They all started with “NO.”