How to Document Your Insurance Claim So It Is Difficult To Deny It

You may be able to sue the insurance company when they deny your claim, but you do not want to be in that position in the first place. If you do need to take action, the insurance claims denial attorneys at Quincey Law can fight for your rights. 

When you file an insurance claim, the insurance company will review it to determine whether they will pay under the terms of your policy. There are many things that you will need to include along with the claim.

Perhaps the most important thing is the documentation of the damage and your losses. How you document your claim can determine whether it is granted or denied.

Schedule a free initial consultation with an insurance bad faith attorney at Quincey Law when you are getting the runaround on your claim. We relish taking on big businesses when they are not doing right by our clients.

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Insurance Companies Will Give Strict Scrutiny to Your Claim

If the damages that you have suffered fall under the terms of your policy, the insurance company will need to pay your claim. The insurance company typically knows whether your claim needs to be covered as soon as they review it. However, they will also go through your documentation and the language of your policy with a fine-tooth comb. As the claimant, you have the burden to show that your damages should be covered. You will do this through the documentation that you submit along with your claim.

There are certain things that you need to pay attention to when you are filing an insurance claim, no matter what type of claim it is. You need to be meticulous and organized when you are documenting your claim. The rule of thumb is that the insurance company will not assume anything. If they do not see it in your claim, it is as if whatever you have claimed does not exist.

How to Strongly Document Your Insurance Claim

Here are some things that you need to keep in mind when you are documenting your insurance claim:

• Gather documentation right after the loss: To present the most effective plan, you should assemble the proof and pictures as soon as possible after the loss. The more time that passes after the incident, the more the insurance company will question the claim if you waited to take pictures and gather documentation.
• Be as detailed as possible about your documentation: You should err on the side of providing as much documentation as you possibly can, both to show what happened and the extent of the loss. The insurance company needs to be able to draw their own conclusion from the proof that you have provided.
• Clearly describe what was lost: You cannot make broad general statements about what you may have lost. You will need to provide a detailed inventory, along with comprehensive descriptions of the items that you lost. 
• Be as truthful as possible: You do not need to act like you have to persuade the insurance company to cover your loss from your claim. They will see the evidence that you have provided and reach their own determination. You can get yourself into trouble and increase the chances of a claim denial if you are not truthful in your claim. 
• Show that you have mitigated your damages: Not only do you need proof of the loss, but you must also show that you did what is in your power to mitigate your losses. You must do things like board up your home and cover the roof to the fullest extent possible, and be prepared to prove that you have done it. 
  

You Can Sue the Insurance Company

To be clear, your insurance company can always deny your claim. However, if they refuse to pay a well-documented claim that has a strict basis in the language of your policy, they are taking significant risks.

Under California law, you may sue an insurance company that unreasonably denies a claim. Not only could you force them to pay for the damages that they are refusing to cover, but you could also receive compensation directly from them in a bad faith lawsuit. The best thing that you can do is to submit the strongest possible claim at the outset that will make the insurance company think twice before they deny it. 

Contact an Insurance Claims Denial Law Firm

If your claim has been denied, or if you are having a difficult time with the insurance company, speak to an insurance claims denial attorney at Quincey Law. Our attorneys will speak with you in a free initial consultation, which you can schedule by messaging us online or by calling us today at (866) 945-9175. 

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Quincey Law is a focused personal injury and bad faith insurance law firm handling a broad spectrum of claims throughout California. With offices conveniently located in Rancho Cucamonga and Dana Point, we devote our entire practice to advocating for clients facing wrongful insurance denials and bad faith disputes. We also have extensive experience representing victims of motor vehicle accidents and other serious personal injury matters.