Getting denied is frustrating — but it happens more often than you’d think. Here are the most common reasons Florida homeowners see denials:
1. Policy exclusions
Many policies exclude flood damage or specific types of wind damage. If you don’t have flood insurance, water intrusion may not be covered.
2. Lack of maintenance
The insurance company may claim the damage was from pre-existing problems, not the storm.
3. Missed deadlines
Florida has strict timelines for filing claims and appeals. Miss them, and you lose your rights.
4. Inadequate documentation
Without proper proof of damage, the insurer can deny your claim.
5. Settlement too low
They may accept your claim but offer far less than the damage is worth.
If your claim was denied or underpaid, don’t give up. You have rights. Contact us for a free claim evaluation.