If Lemonade denied your homeowners’ insurance claim, your next call should be to a Corpus Christi homeowners’ insurance claims lawyer. You can resolve a claim denial easily, but you will likely need to file a successful appeal to achieve that resolution. There’s also the chance the denial means Lemonade is handling your case in bad faith, meaning you might encounter a fight for compensation.
The stakes of homeowners’ claims are too high to fumble. Bring in the reinforcements by hiring an experienced homeowners claim attorney and reap the benefits of their experience and substantial resources to fight for the money you need.
How Your Homeowners’ Insurance Claims Lawyer May Respond to the Denial
Did you receive a letter of denial from Lemonade? If so, something needs to be fixed with your claim. Thus, your attorney will determine the root of the problem and identify potential solutions.
Studying Your Policy and Highlighting Relevant Portions
Your insurance policy may provide answers, solutions, or simply critical details that your lawyer must understand when handling your claim or appeal. They will study the policy and note relevant information, like coverage terms and limits.
Speaking With the Claims Adjuster
Claim adjusters can help resolve a homeowners’ insurance claim. However, talking with an unhelpful adjuster will also likely be necessary.
The purpose of such contact may be to:
- Identify the specific reason for the claim denial.
- Provide documentation, evidence, or information that could prompt a successful appeal.
- Answer any questions the adjuster has of you.
While it’s often necessary to file a formal appeal after a denial, it’s generally worth reaching out to the claim adjuster as soon as possible about a possible resolution.
Pursuing an Appeal If Necessary
If your insurer denied your homeowners’ insurance claim, chances are your lawyer will need to write a letter of appeal. Insurance companies often impose deadlines for filing appeals, so do not wait to retain an attorney.
Supplementing the Appeal With Relevant Documentation and Arguments
Your lawyer’s appeal letter will explicitly state why they believe the insurance company rendered an incorrect decision. In addition to stating their reasoning, your lawyer’s letter might:
- Cite specific policy details supporting their case for reconsideration.
- Include relevant documentation of property damage or other conditions for which you seek compensation.
- Include information the insurance company was previously unaware of, which could prompt a change in the insurer’s claim decision.
If you hire an experienced and proven lawyer, expect their appeal letter to be comprehensive, logically organized, and compelling.
Pursuing a Fair Settlement
If the insurance company recognizes that you deserve compensation, your attorney will pursue all the compensation you deserve. Your attorney will seek a fair settlement if you are the victim of a storm, theft, or another hazard covered by your homeowners’ insurance.
Who better to negotiate on your behalf than an attorney experienced in Texas insurance claims? Your attorney will understand how to calculate your losses accurately, document those losses convincingly, and present your case to your insurance provider.
Filing a Complaint and Pursuing a Lawsuit If Necessary
If Lemonade’s denial resulted from bad faith tactics, your Texas insurance claims lawyer can file a lawsuit on your behalf. Whether the lawsuit leads to trial or your lawyer settles with your insurer, they will be ready to fight for your right to compensation.
We have offices in Houston, Corpus Christi, and Victoria; and will travel to any corner of Texas if we are capable of preventing an injustice.
Prepare for Lemonade to Handle Your Homeowners’ Claim in Bad Faith
Lemonade has already denied your claim, which might have resulted from a misunderstanding. However, you must consider that instead, it indicates Lemonade has not handled your case in good faith, and you must face these realities.
Lemonade Is a for-Profit Organization Seeking to Minimize Settlements
Lemonade claims that its mission is to provide the “most delightful” insurance experience in the world, yet there is nothing delightful about an unfair denial for a homeowners claim. The truth is:
- Even though Lemonade is “your” insurance company, its representatives view themselves as beholden to the company—not you.
- Insurance companies make mistakes, and Lemonade is no exception.
- Regardless of its messaging, Lemonade is a for-profit organization seeking to maximize revenues and minimize liabilities, which may mean denying claims unjustly.
Because Lemonade is likely acting in its interests, choose to have a lawyer fighting for yours.
Bad Faith Tactics Are All Too Common in the Insurance Industry
Experienced homeowners claim lawyers frequently encounter:
- Insurers like Lemonade denying claims without a valid reason.
- Deception, concealment of important evidence or information, and other questionable tactics that come at the claimant’s expense.
- Lowball settlement offers.
- Stubborn negotiation tactics.
- Other bad faith strategies from insurance companies.
Attorneys have many strategies for countering these kinds of bad-faith approaches.
Those Who don’t Fight Bad Faith Tactics Can Suffer Substantial Financial Harm
If you don’t take bad faith strategies seriously, you may suffer a significant monetary loss. Homeowners often deserve compensation for the following:
- Stolen items
- Structural property components (like walls, floors, ceilings, and roofs) damaged by rain, flooding, hail, and other weather-related hazards
- Property cleanup and remediation services
- Damaged appliances and furniture
- Business interruption losses
- Temporary shelter costs
Many losses included in homeowners’ claims are costly, so it’s no wonder Lemonade might want to minimize its losses. Allow a lawyer to fight for you by seeking to maximize your financial recovery.
Call Carrigan & Anderson, PLLC Today for Your Free Consultation About Hiring a Lemonade Homeowners Claim Attorney
Our firm brings more than 40 years of relevant experience to your case. We know how to respond to denials and are not daunted by any bad-faith tactics that may have prompted your claim denial. Allow Attorney David M. Anderson—who oversees our insurance-related cases—to lead your case with professionalism and urgency.
Call Carrigan & Anderson, PLLC, today for your free, no-obligation consultation about hiring a Texas homeowners’ insurance claim lawyer.
At Carrigan & Anderson, PLLC we can talk to you about your options and rights.
