Questionable Insurance Company Tactics: How Some Engineering Companies Impact Your Insurance Claim
In the intricate landscape of insurance claims, the role of engineering companies hired by Florida insurance providers often comes under scrutiny. It has been observed that certain engineering firms, in collaboration with insurance companies, deploy questionable practices that may affect the outcome of your claim.
Common Tactics Deployed:
Template Denials Matching Policy Exclusions:
Many engineering companies hired by insurance providers have been accused of utilizing template denials that conveniently align with the exclusions outlined in homeowner insurance policies. This practice raises concerns about the objectivity and impartiality of claim assessments.
Denial of Valid Wind Claims:
In instances of wind or hurricane claims, there have been allegations of collusion between insurance companies and their chosen engineering firms. This collusion allegedly results in the denial of what might be considered valid wind claims. The denial reasons often include attributing damage to maintenance wear and tear, construction issues, or latent defects in roofs.
Water Damage Claim Challenges:
Water damage claims are not immune to these tactics. Insurance companies, in tandem with their chosen engineering entities, may attempt to deny claims based on reasons such as long-term seepage. However, recent legal developments, such as the Hicks vs. American Integrity case, have established that the first 14 days of a water claim are covered under certain circumstances, challenging these denial attempts.
The Hicks vs. American Integrity Case and Water Claims:
The Hicks vs. American Integrity case, a pivotal decision in the 5th District Court of Appeals in Florida, ruled that if a policyholder can prove a loss within the first 13 days of a water claim, coverage is provided for that initial period. This legal precedent places an additional layer of scrutiny on attempts to deny water claims beyond the established timeframe.
How We Can Help:
At Experienced Public Adjusters, we recognize the challenges policyholders face when dealing with insurance claims and potential denials. We can recommend that you hire an independent engineer who does not work for insurance companies. Our expertise lies in navigating the complexities of the claims process and advocating for your rights. If you find yourself up against template denials or questionable practices by engineering companies, don’t hesitate to contact us. We strive to ensure that your claim is evaluated fairly, and you receive the compensation you rightfully deserve.
Disclaimer:
Experienced Public Adjusters is not a law firm nor attorneys. Our role is to assist and advocate for policyholders during the insurance claims process. For legal advice, it is recommended to consult with qualified attorneys.
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