Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
Good evening. I am Loren, a licensed attorney, and I look forward to assisting you.
All policies contain a provision with instruction to appeal a denial of claim. Follow the instructions to the letter. Missing a deadline or sending the wrong notice may prejudice your right to appeal. The appeal will kick up the review to the next level.
If the appeal is denied you can sue the insurance company. If you can prove that they are acting in bad faith then you may be awarded punitive damages and attorney fees.
The warranty would not cover a casualty loss. So, you will need to decide if it is a warranty issue or a casualty loss.
If it is a casualty loss then you need to appeal the denial in accordance with terms of the policy.
Did you have further questions? Have I answered your question?
Thank you for following up with me. It is easy to get lost in all the appeal procedures in the policy. So, local counsel is a good idea.
If you need assistance finding local counsel try Martindale Hubble (site rules prohibit us from referring specific attorneys) . Many attorneys themselves use this site to locate attorneys outside their jurisdiction or expertise:
http://www.martindale.com/Find-Lawyers-and-Law-Firms.aspxIt is a huge worldwide database searchable by location and specialty. The attorneys are all peer rated. So, they represent the top of the profession.
Good luck. I hope it works out ok for you.