My insurance company has denied my insurance claim, but I think that my insurance policy covers the damage. What should I do?

The first step is to determine whether the insurance carrier properly denied the claim. An insurance carrier usually sends a denial letter to its insured when it denies an insurance claim. The denial letter is supposed to state the basis for the insurance carrier's denial of the claim. But usually, the denial letter does little more than quote portions of the insurance policy without any real discussion of the facts surrounding the claim. We regularly review insurance claim denials for our clients, and have substantial experience in analyzing insurance policy language in light of the facts surrounding the claim.

If your insurance carrier improperly denied your claim, then you can take legal action to enforce your rights under the insurance policy. This generally involves suing your insurance carrier and asking the court to force it to honor the insurance policy. This type of lawsuit is referred to as a "declaratory judgment action." We regularly represent clients in insurance disputes, and have successfully prosecuted declaratory judgment actions in state and federal court.

We invite you to contact us if you would like an independent review of your insurance claim and an analysis of your legal rights.