Homeowners and consumers pay hefty premiums for adequate coverage for when things go wrong. They expect the insurance company to pay when they don't. Homes get destroyed by nature, people can get injured on your property, yet, many insurance companies refuse to honor their contractual obligations to their policy holders.
What to do when an insurance company refuses to pay your claim.
Start first by writing a strongly-worded letter to the insurance company sent via certified mail, if you believe the denial of coverage is wrong. Do not let them hide under a legal technicality. You paid money for coverage and you deserve for the company to live up to their end of the bargain. Give them a definite deadline to respond or provide coverage. If they don't, let them know you will seek legal counsel.
If they still don't pay, you likely will need to file a civil suit through your lawyer to get the comapany to pay. Don't accept anything less than what your policy premium entitles you to. For example, if you paid premiums for your home to be replaced if it is destroyed, don't accept a simple repair. The insurance comapny can't accept your money and then turn their back on you or offer you something of lesser value.
You paid hard-eaned money for that coverage and were resopnible enough to get it.
Some states allow you also to recover attorney fees and double or triple damages if the court finds the acts of the insurance company were wrongful, willful, or knowingly wrong.
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