High Rates of Denials Anger Helene & Milton Homeowners

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Thousands of Florida residents face challenges getting their hurricane damage claims from Helene & Milton processed, as insurers deny coverage at high rates over claims of fraud.

Fort Lauderdale, FL – As Florida continues to grapple with the aftermath of Hurricanes Helene and Milton, thousands of residents are facing a new challenge: denied or unfinished insurance claims. According to data from the Florida Office of Insurance Regulation, over 20% of claims filed after the storms have been denied, while many more remain unresolved.

In the wake of Hurricanes Helene and Milton, Florida, residents are struggling with a significant number of denied or incomplete insurance claims. As of October 23, 2024, over 37,000 claims have been denied, and a substantial percentage of claims remain unresolved.

Reasons for Denied or Incomplete Claims

• Insufficient Information: One of the primary reasons for claim denials is the lack of sufficient documentation. Insurance companies require detailed evidence, including before-and-after photos, repair estimates, and receipts for damaged items.
• Insurer Capacity Issues: Many insurance companies are struggling to handle the sheer volume of claims, leading to delays and denials. Insurers are overwhelmed, and it's taking longer to process claims.
• Missed Premium Payments: Claims can be denied if policyholders have missed premium payments or if their insurance coverage has lapsed.
• Policy Exclusions: Many standard property insurance policies do not cover certain types of damage, such as flood damage, which must be purchased separately.
• Disputes Over Damage Assessments: Insurers and policyholders often disagree on the extent of damage, leading to disputes and denials. Damage assessments can be very subjective, and insurers may not always agree with policyholders' estimates.
• Incorrect Filing: Errors in the paperwork or missing crucial deadlines can lead to immediate claim denials.
• Fraudulent Claims: Insurance companies are vigilant about detecting fraudulent claims, which can result in denials.
• Missed Filing Deadlines: Insurance companies have strict timelines for filing claims, and missing these deadlines can result in denials.
• Lack of Transparency: Some insurers are not providing clear explanations for denials, leaving policyholders frustrated and confused. Policyholders have a right to know why their claim was denied and what they can do to appeal.

Policyholders have the right to challenge claim denials through mediation or litigation. The key is acting within the statute of limitations, which is typically three years from the date of loss.

Steps Claim Holders Can Take:

• Understand the Reason for Denial: Start by thoroughly reviewing the denial letter from your insurance company to understand the specific reason for the denial.
• Review Your Insurance Policy: Ensure that you were not denied coverage you believe you had. Revisit your insurance policy to confirm the details.
• Gather Detailed Evidence: Strengthen your case by gathering additional evidence, such as before-and-after photos, repair estimates, and any reports.
• File an Appeal: Once you have gathered all necessary documentation, file an appeal with your insurance company. Provide any new information to support your case.
• Consult a Professional: Consider consulting with a public adjuster or an attorney who specializes in insurance claims. They can provide valuable guidance and support in navigating the appeals process.
• Contact the Florida Office of Insurance Regulation (FLOIR): For additional support, call (850) 413-3140 or visit their website for more information on handling denied or incomplete claims.

For Additional Assistance:

• Florida Office of Insurance Regulation: (850) 413-3140
• Insurance Information Institute: (212) 346-5500
• Florida Department of Financial Services: (877) 693-5236
• FEMA Disaster Assistance: 1-800-621-FEMA (3362)
• Insurance Consumer Helpline: (877) 693-5236
• Florida Insurance Consumer Advocate: (850) 413-5923

Forward Together
Navigating the aftermath of Hurricanes Helene and Milton has been challenging for many Florida residents, especially those facing denied or incomplete insurance claims. By understanding the reasons behind these denials and taking proactive steps, claim-holders can improve their chances of receiving the compensation they deserve.

It's important to be patient and persistent when dealing with insurance claims after a natural disaster. However, if you feel your claim is being unfairly handled, don't hesitate to seek assistance from regulatory agencies or legal professionals.

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