Insurance companies are going further than ever to ensure that they deny claims of Hoosier homeowners. Insurance companies are testing the waters with just how far they can go to deny homeowner claims that clearly fall within the scope of their policy.
It has become a recurring theme to deny claims, forcing homeowners through the exhausting administrative process in hopes that they will abandon their policy claims. Even when forced into appraisal, an insurance company will misinform homeowners to prevent covering the loss.
If a homeowner requests an appraisal, which every policy in the State of Indiana contains, insurance companies are now attempting to claim that this only appraises the total monetary value, not the causation of the damage.
This type of interpretation is incorrect and the insurance companies know it. In holding that if “amount of loss” does not include causation, “appraisal would be a useless exercise because it would not fix the amount of loss and either party could still contest damages.” See Phila. Indem. Ins. Co. v. WE Pebble Point, 2014 U.S. Dist. LEXIS 123713.
Insurance companies should not be able to play games with the homeowners they insure. Please contact us today if you have experienced these types of actions by your insurer when making a homeowner’s claim.