Why Was My Insurance Claim Denied?

Facing a denied insurance claim can be frustrating and confusing. At MGW Law, we specialize in helping Wisconsin residents and businesses navigate through the complexities of denied or delayed insurance claims, including those involving bad faith insurance practices. Understanding the common reasons behind claim denials is the first step towards resolution.

Policy Exclusions:
Many denials stem from misunderstandings about what the policy covers. It’s crucial to know your policy’s exclusions as claims outside these covered perils are often denied. For instance, natural disasters such as floods or earthquakes might require additional coverage beyond a standard homeowners insurance policy. Remember to ask questions if you’re not sure about something, your insurance rep is there to help.

Lack of Coverage:
Sometimes, the denial is due to the incident occurring outside the coverage period or the policy not covering the specific type of damage or loss. Claims often get denied due to the timeframe of the incident, so it’s important to know your policy’s effective dates and the specifics of what risks it covers.

Late Filing:
Insurance policies have strict deadlines for filing claims. Missing these deadlines can result in automatic denials. Failing to meet these deadlines can result in denied claims. Prompt action is essential to avoid such issues.

Insufficient Documentation:
Providing comprehensive evidence of the damage or loss is essential. Incomplete documentation can lead to denials, as insurers require thorough proof to process claims. Detailed photos, purchase receipts, and official reports can all play a crucial role in substantiating your claim.

MGW Law is the only firm in Wisconsin representing those facing denied or delayed insurance claims. It’s not a part of what we do; it’s all we do. With over fifty years of combined experience working for insurance companies, we know how the process works and we’re prepared to make your insurance provider pay what’s fair. If you’re facing a denied or delayed insurance claim, we can help.