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Will your California wildfire insurance claim be denied?

If you are one of the thousands of people displaced by the recent wildfires here in California, you are more than likely struggling to pick up the pieces of your life. Hopefully, you have been able to address your immediate needs for shelter, food and transportation.

Even so, you may be eager to rebuild your life, including your home if yours was one of the 14,000 plus destroyed by the flames. Before you begin the claims process with your insurance company, you may want to reduce the possibility that your adjuster may initially deny your claim or that you will experience unnecessary delays in the resolution of your claim.

Common denials of insurance claims

Considering the fact that damage estimates are already reaching into the billions of dollars (yes, you read that right!), insurance companies will more than likely be looking for any reason to deny your claim. Your insurance company may say that it denied your claim due to one or more of the following reasons:

  • You failed to take steps to mitigate the damages to your property.
  • You failed to file your claim in a timely manner.
  • Your policy does not cover the damages you claim.
  • You failed to provide all of the required documentation.
  • The documentation you provided does not substantiate your claim.
  • You filed a questionable claim.
  • You have not remained current on your premium payments.

You can take steps to keep the insurance company from denying your claim based upon these reasons. On the other hand, if you already filed your claim and received a denial, it does not necessarily mean that you have no further options.

Don't hesitate to seek help

Your insurance company wouldn't hesitate to bring in as many people as it finds necessary to fight you regarding your claim. You have the right to enlist some help of your own. If you lost everything in the California wildfires, reconstructing your records may take some time, legwork and investigation. Attempting to go through this process alone could end with you missing out on the best settlement possible.

If you need help gathering the appropriate evidence for a claim, appealing a denial or negotiating a settlement with your insurance company, you need not hesitate. You may benefit greatly from taking advantage of an attorney's ability to explain your rights and options and help you take the next steps.

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