While insured with a major insurance company, I put in a claim for water damage that occurred while insured. An inspector came to our home without an appointment and claimed to be there to complete the insurance inspection. He advised he had been up on our roof to assess damage while we were not home and stated he was there just to complete the exterior inspection. I let him see the outside of our property but told him I needed to hear from the insurance company for an inside inspection. It was a Sunday morning and I was unable to reach anyone from the company about the inspection. My claim was later denied, and like Sandy, where the company paid us pennies on the dollar for our damages, I assumed that the company had declined our claim without good reason . Also, while still insured, we had a neighbor claim that one of our dogs broke out of our home and attacked him. This was untrue and not proved but we received a letter from an attorney threatening my deceased mom and I with a lawsuit. I sent this letter to the insurance company and heard nothing until I recently found out about a case in court. The company dropped our coverage without reasonable notice. Do I have any claims?
Based on the facts you've provided it seems that you should be able to dispute the denial of your claim. It doesn't matter that you are no longer insured, as long as you were insured at the time the damages occurred. In order to be certain I will need to review you policy, insurance claim, and all supporting documents, so please don't treat this massage as a statement or any guarantee that you have a valid claim.
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