If your insurance company denies your hurricane damage claim, you likely still have several options. Consult our attorneys right away. We can help you determine the best course of action and assist you in getting the money you need. You can: Review your policy. Carefully review the denial letter and your homeowners insurance policy with your attorney to understand the specific reasons the insurer denied your claim. Check for relevant any policy exclusions, limitations, or conditions. Understanding your policy will help you assess the validity of the denial. Contact your insurance company. Have your lawyer reach out to your insurance company to discuss the denial and seek clarification. Your attorney should discuss the specific reasons outlined in the denial letter and identify any potential misunderstandings or errors that contributed to the insurer’s decision. Provide additional documentation. You may need your attorney to submit additional documentation and evidence to support your claim. This might include photographs, videos, expert opinions, repair estimates, or any other relevant information that can demonstrate the extent of the hurricane damage and the validity of your claim. File an appeal. If you believe the insurance company improperly or unjustly denied your hurricane damage claim, your attorney can file an appeal. Your lawyer needs to follow the insurer’s specific procedures for filing an appeal and submit any additional documentation or information that supports your claim. Both you and your lawyer should keep records of all communication and correspondence related to the appeal process. Notifying the state insurance department. If your insurer denies your appeal or you believe your insurance company acted in bad faith, your attorney can file a complaint with your state's insurance department. They can investigate your case and provide assistance in resolving the dispute. Attending mediation or arbitration. In some cases, insurance policies may include provisions for mediation or arbitration to resolve disputes. These processes involve a neutral third party who can facilitate a resolution between you and the insurance company without going to court. Your attorney can discuss the process with you. If you exhaust all other options, your attorney may need to file a lawsuit against your insurance company. You can discuss with your lawyer the merits of your case and determine if going to court is the best course of action. If so, your attorney can represent you at trial and present a compelling case to the court to sway its decision in your favor.