Denied Insurance Claims

Many homeowners and business owners face a frustrating reality: your claim gets denied for reasons that make no sense. A denied claim is not the end of the road — it’s the beginning of your fight. And with Finman Law Group on your side, you’re not fighting alone.

Whether your loss involves water damage, roof damage, hurricane damage, fire, mold, windstorm, lightning, or a commercial property loss, a denial can be overturned with the right legal strategy. Our team represents policyholders across Florida and Texas, two of the most insurancechallenging states in the country.

Why Insurance Claims Get Denied

Insurance companies deny claims for many reasons — some legitimate, many not. Understanding the reason for your denial is the first step toward overturning it.

Common Denial Tactics

• “Wear and tear” excuses
  Often used in roof damage, water damage, and windstorm claims.
• “Late reporting”
  Even if you reported the claim within a reasonable time.
• “No storm-created opening”
  A favorite denial in Florida and Texas roof claims.
• “Pre-existing damage”
  Even when the property was in perfect condition before the loss.
• “Not covered under your policy”
  Often misapplied or misinterpreted by adjusters.
• “Insufficient evidence”
  Even when you provided photos, videos, and documentation.
• “Cause of loss excluded”
  Used heavily in mold, flood, and sinkhole claims.

Insurance companies rely on policyholders giving up. At Finman Law Group, we make sure you don’t.

Your Rights After a Denied Claim (Florida & Texas)

Both states have strong consumer protection laws — but only if you know how to use them.

Florida Policyholder Rights

• The right to a fair investigation
• The right to receive a written explanation for the denial
• The right to challenge the denial through legal action
• The right to pursue attorney’s fees from the insurer if you win
• The right to reopen or supplement your claim

Texas Policyholder Rights

• Protection under the Texas Insurance Code
• The right to challenge unfair claim handling
• The right to pursue bad faith damages
• The right to demand a reinspection
• The right to dispute engineering reports

Finman Law Group uses these laws aggressively to overturn wrongful denials.

How We Fight Denied Claims

A denial is not the end — it’s the beginning of a legal strategy. Our team steps in and immediately:

1. Reviews the Denial Letter

We identify every flaw, inconsistency, and misinterpretation.

2. Reopens or Supplements the Claim

Many denials are overturned simply by forcing the insurer to reevaluate the evidence.

3. Conducts an Independent Investigation

We bring in:

• Roofers
• Engineers
• Mold assessors
• Water mitigation experts
• Fire investigators
• Public adjusters

We build the evidence the insurance company ignored.

4. Challenges Biased Engineering Reports

Insurance companies often use engineers who minimize damage. We expose these tactics.

5. Files a Lawsuit When Necessary

If the insurer refuses to do the right thing, we take them to court.
In many cases, the insurance company pays your attorney’s fees, not you.

Common Types of Denied Claims We Handle

Denied Water Damage Claims

Often denied as “wear and tear” or “longterm seepage.”
Learn more on our Water Damage Claims page.

Denied Roof Damage Claims

Insurers love to blame roofs on age, not storms.
See our Roof Damage Claims page.

Denied Hurricane & Windstorm Claims

Florida and Texas homeowners face the toughest denials in the country.
Visit our Hurricane Damage and Windstorm Damage pages.

Denied Mold Claims

Insurers often deny mold as “maintenance,” even when caused by a covered water loss.
See our Mold Damage Claims page.

Denied Fire & Smoke Claims

Smoke damage is often minimized or ignored.
Visit our Fire & Smoke Damage page.

Denied Commercial Property Claims

Businesses face aggressive denials due to higher payout exposure.
See our Commercial & Business Property Damage page.

Denied Condo & HOA Claims

Condo claims involve complex responsibility disputes.
Visit our Condominium & HOA Property Claims page.

Why Insurance Companies Deny Valid Claims

Insurance companies deny claims because:

• Denials save them money
• Most homeowners don’t fight back
• They assume you won’t hire a lawyer
• They rely on confusing policy language
• They use adjusters trained to minimize payouts

Finman Law Group levels the playing field.

What To Do Immediately After a Denial

1. Don’t panic — and don’t give up.

A denial is not final.

2. Don’t argue with the insurance company.

Anything you say can be used against you.

3. Don’t sign anything.

Especially release forms or settlement offers.

4. Gather your documents:

• Policy
• Photos
• Videos
• Estimates
• Emails
• Denial letter

5. Call Finman Law Group at 786-786-9633

We take over from here.

How We Get Denials Overturned

Reinspection & Reopening

We force the insurer to reevaluate the claim with proper evidence.

Supplemental Claims

If the insurer missed damage, we reopen the claim and demand full payment.

Bad Faith Claims

If the insurer acted unfairly, we pursue additional damages.

Litigation

When necessary, we file suit and fight aggressively for your rights.

Frequently Asked Questions

Can a denied claim be reversed?

Yes. Many denials are overturned once a lawyer challenges the insurer’s reasoning.

How long do I have to dispute a denial?

Florida and Texas both allow disputes, supplements, and lawsuits within specific timeframes. Contact us immediately to protect your rights.

Do I have to pay upfront?

No. Finman Law Group works on a contingency fee.
You pay nothing unless we win.

Will the insurance company retaliate?

They cannot legally punish you for hiring a lawyer.

Why Choose Finman Law Group

• Aggressive representation
• Deep experience with Florida & Texas insurance laws
• Proven success overturning denials
• No upfront fees
• Full support from intake to litigation
• Communityfocused, clientfirst approach

When your insurance company says “no,” we fight until the answer becomes YES.

Call Finman Law Group Today
Your denial is not final — it’s your opportunity to fight back.
Call 786-786-9633‍