Tulsa Denied Insurance Claims Lawyers

Policy Exclusions

Policies often include exclusions, which are specific situations or damage types that the insurance company will not cover. For example, certain policies exclude flood damage unless additional riders are purchased. Sometimes, insurers may broadly interpret these exclusions to deny claims unfairly.

We know how to examine your policy’s fine print to see if the denial aligns with what’s explicitly written. If the exclusion doesn’t apply or has been misrepresented, we can argue for its invalidity. 

Missed Deadlines

Insurance claims have strict deadlines. Failing to report damage within the allotted time frame or delays in submitting supporting documentation can lead to a denied claim. Insurers may capitalize on even minor timing errors to avoid paying.

We have an in-depth understanding of the technicalities of policy timelines and Oklahoma law regarding insurance disputes. If the insurer's deadlines do not comply with consumer protection laws or if the delays were caused by circumstances beyond the homeowner's control, we can argue that the denial is unreasonable.

Pre-existing Damage

Insurers often claim that damage was preexisting—that is, it occurred before the reported event and thus isn’t covered by the policy. For instance, they might attribute roof leaks after a storm to wear and tear rather than the storm itself.

Options for countering this include consulting forensic damage experts. These specialists may be able to determine the exact timeline of the damage and verify whether it directly resulted from the covered event. Proper documentation of home conditions prior to the claim can also dismantle the insurer’s argument.

Allegations of Policyholder Error

Insurance companies sometimes allege that the homeowner failed to take reasonable steps to prevent damage or violated a policy condition. For instance, they may argue that failure to conduct routine maintenance led to the problem.

To challenge these claims, the homeowner must show that they acted responsibly and fulfilled their obligations under the policy. We’re here to help you do just that. 

Undisclosed Information

Insurance companies may deny claims if they discover information you failed to disclose during the policy application process. For instance, if major updates to the property or known risks weren’t communicated, insurers can argue that the policy isn’t valid.

Our skilled attorneys can analyze whether the information in question was material to the claim decision. Not every omission warrants denial, and we’re here to insist that the insurer follows fair practices when evaluating the relevance of undisclosed details.

Bad Faith Practices

Sometimes, insurance companies deny claims without valid reasons or refuse to provide a detailed explanation. These bad faith tactics can leave homeowners feeling defeated and financially stranded.

There’s no reason for homeowners to stand for this. Holbrook Leavitt & Associates PLLC can explore filing a bad faith lawsuit against insurers acting dishonestly or unethically. We’ll gather evidence of unfair practices, such as failure to investigate properly, misleading communication, or unjustified denials. These actions not only seek to reverse the denial but may also allow clients to claim additional damages.