Denial of Insurance Coverage

People and businesses pay insurance premiums with the expectation that coverage will be there when it’s needed. Unfortunately, legitimate insurance claims are denied every day.  When they deny coverage outright, they are placing the insured in a very difficult position, especially when the insurance claim involves a third-party that is suing or threatening to sue the insured.  The insured has to make hard choices regarding fighting the claim, hiring a defense attorney, and protecting themselves against a large judgment. 

When an insurance company denies a claim, they are required to send a letter outlining all of their reasons for the denial.  At the Davis Law Firm, we go through each and every reason and review whether their rationale for denying coverage is solid.  Often times it isn’t, or the law is unclear on the issue.  When hiring an insurance coverage attorney, you need an experienced coverage lawyer that knows how to methodically dissect the insurance company’s position and attack the weaknesses in their argument. 

Alternatively, sometimes the insurance company actually has a solid and reasonable basis for denying coverage and sometimes policyholders just need someone with the expertise to tell them the hard truth and how to proceed.  Either way, when you receive a coverage denial, you need to get a professional opinion from an experienced coverage attorney.  You may have a claim worth fighting for and you may not, but the last thing you need to do is roll over and just accept the insurance company’s biased opinion.  Whether we think there’s coverage or no coverage for your claim, when you hire us as your insurance coverage attorneys, we don’t charge you for our initial opinion of the coverage denial.  In other words, when your claim is denied, you have nothing to lose by hiring us.