You can respond to a denied business insurance claim in Texas by appealing the insurance company’s decision. You do not have to simply accept a denial of your claim, as many insurance companies will try to reject valid claims because they want to protect their bottom lines rather than covering the losses of clients.
Fortunately, you do not have to handle a denied claim on your own. A Houston business interruption insurance lawyer can explain the steps you need to take to appeal the denial. An attorney may also help with a lawsuit if the insurance company engages in bad faith practices.
How Do You Respond to a Denied Texas Business Insurance Claim?
You have several options when it comes to responding to a denial of your business interruption insurance claim in Texas. For instance, you can choose to just accept what the insurance company decides.
However, in many cases, you can also fight back against a denial by appealing the denial that you believe is unjust. An attorney can review the denial letter sent by the insurance company to determine if you have a chance for a valid appeal.
Working with an attorney helps by bolstering your odds of successfully overturning the denial. That’s why it’s in your best interest to reach out to a team of legal professionals for help immediately.
For a free legal consultation, call (800) 941-1041
How Can You Appeal a Denied Business Interruption Insurance Claim?
You need to take several steps to appeal a denied Texas business insurance claim. Depending on your circumstances, you may need to:
Review the Reasons for the Denial
The first thing you need to do after a denial is work with an attorney to determine the specific reasons your business insurance claim was denied. The company will need to offer you a written explanation for its decision.
In many cases, companies say they denied a claim because:
- The damage fell outside the scope of your insurance policy.
- A policy exclusion allowed them to deny the claim.
- You provided incomplete evidence or documentation.
- You took too long to file the claim.
An attorney can consider the reasons for the denial and help you determine if you have a foundation for an appeal.
Collect Evidence
An attorney will need to gather evidence when preparing to appeal an insurance claim denial. Your lawyer may need to further establish the causes and extent of your losses. Depending on your situation, an attorney may need to collect:
- Witness statements
- Maintenance records
- Invoices and receipts
- Videos and photos
An attorney can organize all the relevant evidence, thereby improving your chances of successfully appealing the insurance company’s decision.
Submit a Denial Appeal Letter
If your attorney believes you have a strong case for an appeal, they can help you submit a formal appeal letter to the insurance company. The letter may need to contain information about the original denial and the reason for the appeal, using specific language from the policy and evidence.
Once you submit the appeal letter, the insurance company will need time to review it and come to a decision. Depending on the strength of your appeal, the company may overturn an initial denial and provide the compensation you need to make a full financial recovery.
Benefits of Hiring a Lawyer to Handle a Business Insurance Claim Denial
Working with an attorney after the insurance company denies your business interruption insurance claim means you’ll have someone on your side to put you first and level the playing field.
An attorney can answer any questions you have. Want to know how to respond to a denied business insurance claim in Texas? They’ll have an answer and a dedicated plan of action.
You can rely on a lawyer to explain your rights and handle all insurance company negotiations, pushing back if the company continues to ignore your losses or tries to convince you to accept a subpar settlement that fails to adequately cover your needs.
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Can You Sue the Insurance Company After a Claim Denial?
Yes, but most insurance claim denials do not result in a lawsuit. In rare cases, your attorney may consider a lawsuit if the insurance company engages in bad faith practices when handling your initial claim or denial proceedings.
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Talk to Us About a Texas Business Interruption Insurance Claim Denial
So, how do you respond to a denied business insurance claim in Texas? You can respond by appealing the insurance company’s decision with help from an experienced attorney from the team at Barcus Arenas, PLLC.
Our lawyers have nearly two decades of combined experience, and we’re equipped with the resources necessary to confidently stand up for clients in your situation. We will push back against unfair treatment from the insurance company, representing your best interests and ensuring the company adheres to the terms of your policy.
You do not have to simply accept a denial of your claim. You deserve the insurance coverage you paid for, and we’re here to walk you through each step of the appeals process.
Call or text (800) 941-1041 or complete a Free Case Evaluation form
