Is your loss covered? You can rely upon our expertise in interpreting insurance policies to help determine whether the insurance company should provide coverage.

Insurance companies regularly deny coverage for claims based on a variety of reasons. Some of these may be valid; other times, the insurance company gets it wrong. Insurance policies are complicated documents which often include numerous exclusions and endorsements that may alter the coverage provided. It is not uncommon for an insurance company to initially deny coverage for a claim, only to later extend coverage after certain facts come to light. Reasons why an insurance company may deny coverage include:

• Material misrepresentation on the insurance application
• Non-payment of insurance premiums
• Policy exclusions
• Untimely notice of a claim
• Failure of an insured to cooperate with the investigation of the claim
• Failure of an insured to appear for an Examination Under Oath
• Pre-existing conditions
• Policy cancellation
• Policy non-renewal

Even if your claim has been denied based upon any of the above, you may still be entitled to coverage. For instance, in Florida an insurer seeking to cancel an insurance policy, other than automobile policies, must provide 45 days written notice to the policy holder, subject to some exceptions.

If you believe the insurance carrier should provide coverage for your loss, you should contact a legal expert to review the policy and facts surrounding the denial of coverage.