Four ways you can be denied insurance coverage

Property insurance is an absolute necessity if you own a home or commercial property, but insurance companies often have a reputation for avoiding compensation after damages occur. Many policies are written with a number of exclusions, contingencies and clauses that help insurers from paying a claim. Below are four main reasons why you insurance provider may withhold making payment and Acle Law Firm’s recommendations on how to prevent this from occurring.


  1. Changes to your property

If you make additions to your property, it is your duty to inform your insurance company about it regardless if it’s a pool, deck, balcony, bathroom, tree house or children’s play set. Any modification can lead to changes in your homeowner’s insurance policy and if you don’t report any additions or changes, your insurance carrier may have enough reason to deny your claim.


  1. Failure to address pre-existing issues

Although your insurance policy is designed to protect you against serious loss, it cannot protect you against your inability to preform regular maintenance throughout your property. For example – let’s say you knock over a couple panels in your backyard fence after a weekend game of football with your kids and a storm passed by weeks later and knocked the fence over completely – you’re insurance company wouldn’t be able to protect you against those damages.


  1. Loopholes

Before you sign any insurance policy, make sure you understand exactly what you are and what you are not protected against. Some issues, such as those relating to specific forms of weather, may not be included in your coverage. Eliminate that possibility by examining your entire insurance policy with an experienced Florida property insurance attorney.


  1. Lack of Insurance Knowledge

If you are not familiar with the claim filing process and property insurance as a whole, you run the risk of making mistakes. Failing to correctly fill out or file paperwork can lead your insurance carrier to deny your claim. Similar to how you ask a plumber to fix your pipes or an accountant to do your taxes, you should turn to a Miami property insurance attorney to handle your insurance claims. They have the inside industry knowledge and expertise needed to ensure you get the compensation that you are owed and deserve.



Insurance policies can be confusing and overwhelming. In order to avoid unnecessary confusion, you should contact an experienced Florida insurance claims attorney. We will walk you through the terms of your insurance policy and provide representation in any dispute in Florida where your insurer is denying, delaying or under-paying your claim. Call our Miami property insurance claim attorneys at the Acle Law Firm today at 305-447-4667 or visit Acle Law for a free consultation.