Insurance Claims

Insurance Claim Denials

As an insurance policyholder, you pay your premiums with the expectation that if you ever need to file a claim, the insurance company will cover the cost. However, insurance companies regularly deny coverage or only offer a fraction of the cost. They often do this in efforts to continue making profits — insurance companies habitually raise their premiums while lowering coverage. It often takes legal action to get the coverage you deserve under your policy.

Property Damage Claims

The most common property damage claims we handle include:

While this is only a number of the damages you may be able to claim under your homeowner's insurance policy, these are cases we see most often here in Florida. If you file a claim and the insurance company alleges that it is not covered under your policy, our experienced attorneys can thoroughly review your policy and fight for the compensation you deserve.

Health Insurance Claims

There are several reasons why your health insurance claim may be denied, some of which are due to no fault of your own. If your claim has been denied due to one of the reasons listed below, there may be actions you can take yourself or with the assistance of an attorney to get the coverage you deserve:

  • You failed to respond to a notice in the mail regarding your insurance plan
  • Your medical treatment was considered experimental by the insurance company
  • Someone coded your appointment incorrectly
  • A hired third party decided to deny your claim

Life Insurance Claims

When you purchase a life insurance policy, you expect to have a safety net for your family in the event of an unfortunate tragedy. However, these insurance companies will still try to do what they can to save money by not holding up their end of the policy. Some reasons your claim may be denied include:

  • Misrepresentation and Omission
  • Drugs and Alcohol Abuse
  • Suspicion of Accidental Death
  • Suicide and Other Self-Inflicted Injuries
  • Felony Exclusion

Personal Injury Protection (PIP) Claims

Florida Motor Vehicle No-Fault Law, Sections 672.730 - 627.7405, requires the policy holder to maintain personal injury protection ("PIP") insurance coverage and that this insurance pays covered medical expenses for injuries sustained in a motor vehicle crash by the policyholder, passengers, and relatives residing in the policyholder's household to a limit of $10,000 in medical and disability benefits and $5,000 in death benefits resulting from bodily injury, sickness, disease, or death arising out of the ownership, maintenance, or use of a motor vehicle.    

If you have a loved one whose life insurance claim was denied for any reason, contact one of the trusted attorneys at Keller, Melchiorre & Walsh, who can develop a plan to get you the benefits your family is owed.

Contact Us Today!

The attorneys and staff at Keller, Melchiorre & Walsh PLLC are here to help you. If you have been injured or harmed as a result of the actions of others or if you are facing criminal prosecution, don’t wait. Call us now for a free strategy session.