Commercial insurance should protect your business from severe weather, fire, and other losses. Unfortunately, insurers can use underhanded tactics to deny you the support you deserve. If you need help holding an insurer accountable for the cost of your business’s recent losses, get in touch with our commercial insurance lawyers.
The team with Storm Law Partners fights back when insurers try to deny or delay your claim that you need to continue your everyday operations. Don’t let an insurer’s whims determine whether or not you stay in business. Work with attorneys who have represented over $1 billion in claims. We’re ready to advocate for you.
Types of Commercial Insurance
Today’s commercial insurance policies can protect you and your business from:
- Theft: Insurance policies should protect today’s businesses from a wide array of thefts, including armed robbery. Commercial business owners can also pursue insurance claims in the face of employee embezzlement and other types of white collar theft.
- Fire: Today’s insurance policies should help businesses recover from fires, including those that are accidental, as well as fires stemming from environmental hazards uncontrolled by a property owner. Most policies will help businesses recover from smoke damage and any damage done to the property during the process of putting out a fire.
- Personal injury: If an invitee or licensee on your property ends up injured, you can rely on an insurer to help you cover the cost of their recovery.
- Weather damage: If your business is at an elevated risk for tornado damage, hurricane damage, earthquake damage, ice damage, snow damage, or a related environmental issue, your insurer should provide you with the support you need to address those losses.
- Libel and slander: No one has the right to do reputational harm to your business. If you believe your business has suffered a concrete loss as a result of an attack against your character or reputation, a commercial insurance lawyer can help you file for damages with an insurer.
For a free legal consultation, call (832) 323-3000
Why Did Your Commercial Insurance Claim Get Denied?
It’s easy to make mistakes when composing an insurance claim. However, insurance adjusters also make a point to find ways to deny your claim. An insurer may send you a denial letter if:
- Your insurance policy wasn’t in effect at the time of an incident
- Your coverage doesn’t address a specific incident
- You didn’t file your claim in a “timely” manner
- The insurer believes that you purposefully let an incident do damage to your property
- The insurer believes that you’re engaging in fraud
If you think an insurer misrepresented the nature of your losses to deny your commercial claim, you have the right to appeal the insurer’s decision. Once you get in touch with a commercial insurance lawyer, you can discuss the logistics of calling an insurer’s decision into question.
When Should You Contact a Commercial Insurance Lawyer?
As a business owner, you have the right to submit a claim for insurance coverage directly to your provider. Working with a commercial insurance claim attorney will make it easier to file your claim in a “timely” manner while also abiding by all of an insurer’s filing guidelines.
We encourage you to file your claim under “all possible provisions.” Doing so will make it harder for an insurer to argue that you misfiled your claim or inappropriately categorized your losses. However, we also recommend that you don’t go up against an insurer alone.
An insurer can use any minor mistake you make to deny you coverage after a commercial accident. The sooner you contact a lawyer after an incident, the easier it will be to compose a claim that accurately represents your losses (and prevents an insurer from using bad-faith tactics to deny your request for support).
We Make Insurance Companies Acknowledge Their Bad-Faith Conduct
Your insurer has a legal obligation to explain to you why they’ve chosen to deny your claim should they do so. Insurers need to address specific language in your coverage that makes you ineligible for your requested support.
If an insurer tries to deny you an explanation as to why they won’t acknowledge your right to support, an attorney can step up and demand forthright communication from the applicable parties. We can also call unlawful or incorrect interpretations of insurance policies into question.
Any insurer who continues to deny you access to the support you’ve paid for can face legal consequences. Our team isn’t afraid to litigate and can take your fight for insurance coverage to court after a commercial incident.
We Aren’t Afraid to Fight for the Coverage You Need
You specifically have the right to take legal action against an insurance provider if it refuses to pay out your claim, purposefully delays your payment, or refuses to defend you in a lawsuit. When asking for damages, you can refer to your commercial losses as well as any additional expenses needed to restore the lost quality of your business.
Our commercial insurance attorneys can work with you to build out your claim, ensuring you address all of your losses while bringing forward enough evidence of insurance neglect to move your claim forward. We’ll explain this process in plain English and make sure you understand how we can approach your fight for support in and out of court.
Our commercial insurance case consultations come free of charge. Book yours today to learn more about how our team can go to work for you.
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Book a Free Case Consultation With a Commercial Insurance Lawyer Now
You don’t have to let an insurer dictate whether or not your business returns to normal operations after a serious accident. If insurers wrongfully deny your claim or drag out the process of providing you with the support that you’ve purchased, we are here to help.
If you want to hold an insurer accountable for your recent losses, you can turn to our commercial insurance attorneys for support. Storm Law Partners can walk you through the process of filing an insurance claim and making insurers acknowledge the reality of your losses. If the need arises, we can even take your fight for compensation to trial.
You can book your free commercial insurance claim consultation with our representatives today.
Call or text (832) 323-3000 or complete a Free Case Evaluation form
