When an insurance company doesn’t want to pay a property damage claim, they may claim the particular damage is excluded from the policy’s coverage. Attorneys call this “arguing coverage.” They may claim that flood, water damage, fire damage or hurricane damage would be excluded.
Property damage policy exclusions can include third party negligence. For example, if your apartment burns down, the building owner’s insurance company may attempt to claim that another resident’s negligence caused the fire. They can be quite creative too. If you have hurricane coverage, they may claim the damage was actually caused by wind in an attempt to avoid paying a claim.
If you have sustained property damage, don’t sign anything before meeting with an attorney at the Clore Law Group. They will evaluate your claim and let you know if the insurance owes you.