Property Damage Claim Denials Attorney Located in South Dakota

Dealing with property damage is stressful enough, but facing a denied insurance claim can be overwhelming. At Abourezk Law, we understand the frustration that comes with property damage claim denials, and we’re here to help residents of Rapid City, South Dakota, fight for the compensation they deserve. Whether your property was damaged due to storms, fires, or other incidents, you rely on your insurance company to cover those losses. When they refuse, it can leave you feeling powerless, but you have options.

Common Reasons for Property Damage Claim Denials

Insurance companies are in the business of protecting their profits, which can lead to unfair claim denials. Some common reasons for denial include:

1. Policy Exclusions: Insurance policies often contain exclusions that limit coverage for certain types of damage. For example, many policies exclude damage caused by floods, earthquakes, or mold. Insurers may cite these exclusions as a reason for denial, even when the damage should reasonably be covered.
2. Insufficient Evidence: Insurance companies may deny a claim due to a lack of sufficient documentation or evidence proving the damage. They might argue that the policyholder failed to provide photos, repair estimates, or reports that substantiate the claim.
3. Delayed Reporting: Most insurance policies require timely reporting of damage. If you wait too long to file a claim or report the incident, the insurer may deny your claim on the grounds that the delay prevented them from properly investigating the damage.
4. Disputed Cause of Damage: Insurers may deny a claim if they dispute the cause of the damage. For example, they might argue that wear and tear, rather than a covered event like a storm, caused the property damage.
5. Lowball Settlements: Even if your claim is not outright denied, insurers may offer significantly less than what is needed to repair or replace the property. This tactic, known as a lowball settlement, is meant to save the insurance company money at your expense.

How Abourezk Law Can Help

At Abourezk Law, we specialize in helping South Dakota policyholders stand up to insurance companies that wrongfully deny property damage claims. Our experienced attorneys will:

• Review Your Policy: We’ll thoroughly analyze your insurance policy to determine if the denial was justified or if the insurance company is acting in bad faith.
• Investigate Your Claim: Our team will gather the necessary evidence to support your claim, including damage assessments, repair estimates, and expert testimony, to ensure your case is backed by solid proof.
• Negotiate with Insurers: We will negotiate directly with the insurance company on your behalf, pushing for a fair settlement that fully covers your property damage. If the insurer refuses to act in good faith, we are prepared to take legal action.
• Pursue Legal Remedies: If necessary, we can file a lawsuit against the insurance company for breach of contract or bad faith. South Dakota law allows policyholders to pursue damages in cases where insurers act unfairly.

Why Choose Abourezk Law?

With decades of experience representing clients in Rapid City and throughout South Dakota, Abourezk Law is committed to fighting for the rights of policyholders. Our firm understands the complexities of property damage claims, and we will work tirelessly to ensure you receive the compensation you are entitled to. Don’t let your insurance company take advantage of you—let us advocate on your behalf.

If your property damage claim has been denied, contact Abourezk Law today for a consultation. We are here to help you get the justice and financial recovery you deserve.