Saint John’s home insurance lawyers
If you’ve gone through the ordeal of seeing your home damaged by fire, flood, or high winds, you need to know you’re covered. If you live in New Brunswick and your insurance company has denied your home insurance claim, you need Correia & Collins on your side.
The lawyers at Correia & Collins in Saint John hold decades of experience in insurance law and accident injury law. We have the experience to sift through the details of an incident to get the information that matter most in your claim.
Why was your home insurance claim denied?
You know your home and fire insurance premiums are up to date, and you filed your claim on time. So, why did your claim for property damage get denied? Here are a few of the most common reasons insurance claims get denied on the first try:
- Insufficient or incorrect evidence. Many home insurance claims are denied due to lack of proof or legitimate documentation. If your home is damaged in a fire, flood, or windstorm, take extensive photos and videos of the damage. It’s wise to take updated photos and videos from time to time, to demonstrate your home’s undamaged condition.
- Inaccurate statements. Sometimes, a homeowner exaggerates or falsifies their insurance claim in the hope of receiving a higher payout. But sometimes, people make imprecise claims without realizing it. Hiring a lawyer is the best way to ensure your claim is accurate and credible.
- Coverage exclusions. Home and fire insurance policies have exclusionary clauses, and the details can vary from one policy to another. Your claim denial may be a classic case of failing to read the fine print.
- Wrong coverage or no coverage. Your policy was cancelled, not renewed, or doesn’t include the coverage you asked for. If you bought your policy through an agent/broker, they may be legally responsible. There are technical rules that apply in all these cases and that an experienced insurance lawyer knows.
Dedicated home and fire insurance lawyers in Saint John, New Brunswick
You don’t have to wade through your insurance claim on your own. Correia & Collins will advise you on the best course of action and help you get the benefits you need and deserve. You won’t owe us anything until you get paid.