Table of Contents
- 1 People and businesses purchase insurance to protect their finances and property when the unexpected occurs. Belluck Law can help you navigate the complexities of insurance law and hold your insurer to its coverage obligations.
- 2 Insurance Claim Denials
- 3 Homeowners and property insurance denials
- 4 Frequently Asked Questions
- 5 Meet Our Insurance Claims Team
Insurance coverage disputes can arise in numerous contexts. Maybe a catastrophic event has damaged your home or business property and your insurer has refused to pay the full amount of your damages or lost business income. Perhaps you or your business is being sued and your insurer has refused to offer you a legal defense. In these situations, you can feel like you are fighting a two-front battle, being forced to deal with the financial hardship of the insurance loss and also having to fight your insurance company.
To make matters worse, insurance companies often unfairly take advantage of their policyholders in these situations knowing full well that if they simply “deny, delay, and defend” for long enough, most policyholders will eventually give up and accept a lesser payment of their claim. At Belluck Law, we know our clients deserve more, and will fight for justice to get you the maximum compensation.
Insurance Claim Denials
You paid your premiums, but now the insurance company doesn’t want to pay your claim. Belluck Law can help you fight against your insurance company’s denial, delay of payment, or underpayment of claims. If you have had an insurance claim denied you have options.
Some common types of denied insurance claims are:
- Commercial property and business interruption insurance
- Homeowners’ and property insurance
- Liability insurer refuses to defend insured in a lawsuit
- Commercial flood insurance
- Insurer attempts to void policy because of alleged “material misrepresentation”
Sometimes insurance companies rely on delay tactics knowing that many insured will not challenge the denial.
Belluck Law can help you fight back against bad faith claim denials. Contact us for a free consultation.
Homeowners and property insurance denials
Have you suffered a loss due to fire, storm damage, flood (or water intrusion), or theft that your insurance company has refused to cover entirely or in part? If so, you may have a bad faith claim against your insurance company.
Some common reasons insurance companies give when denying commercial and homeowners’ property insurance claims include wear and tear; excluded perils; insufficient documentation; and delayed reporting. Often, they also undervalue repairs and provide only a small payout that doesn’t cover the extent of damage incurred.
Business interruption insurance is meant to protect business owners when an unexpected event forces their company to either drastically reduce operations or close entirely. This type of insurance exists to cover lost income, certain ongoing costs, and potential even reopening or relocating costs. If you had a business interruption insurance claim denied, Belluck Law can help you challenge those denials. Belluck Law has decades of experience and over $1 billion recovered in compensation for its clients.
Sometimes, an insurance company will try to settle a claim with a lowball offer which can also be challenged by Belluck Law expert attorneys.
We are a national firm of New York City based lawyers, with offices in, Albany, Rochester, Woodstock, Gloversville, New Jersey, Maine, and Boston, Massachusetts. Call or contact us online today to schedule a free consultation with our dedicated New York insurance denial lawyers.
Frequently Asked Questions
Do I need a lawyer to fight my insurance company?
Insurance companies are seasoned litigants and often use threats of litigation to deter policyholders from pursuing valid claims. Without a lawyer, policyholders often stand little to no chance of prevailing. A lawyer can help even the playing field in any dispute with an insurance company. The lawyers at Belluck Law are knowledgeable and can help you recover on your claim.
When should I contact an insurance claim lawyer?
Many if not all insurance policies contain provisions which dramatically limit the timeframe in which you are able to bring a lawsuit. Depending on the circumstances and the policy language, waiting a few days, weeks, or months can sometimes mean the difference between full payment of your insurance claim and no payment. We encourage potential clients to reach out as soon as possible after your insurance company denies coverage.
What should I do next?
Those who have had trouble getting compensation they deserve from their insurance companies should reach out to Belluck Law attorneys immediately for a free consultation on your legal options.
Why should I choose Belluck Law?
Belluck Law is a nationally recognized law firm that fights for its clients and their families as if they were our own. We don’t just know the law, in many cases we helped to write it. When you work with us, you start your journey with one of our firm’s partners, and have regular access to them or one of our experienced attorneys throughout the entire process. We have secured over $1 billion in verdicts and settlements holding corporations accountable.
