Des Moines Homeowner’s Insurance Claims Attorney

If you need help filing a homeowner’s insurance claim, the attorneys at LaMarca Law Group, P.C. may be able to help. When you pay monthly or yearly homeowner’s insurance premiums, you expect to be covered when a disaster strikes. However, homeowners do not always receive this security from their homeowner’s insurance. It is possible that your claim will be wrongfully minimized or denied, and you will be left scrambling to pay your bills on your own. Additionally, sometimes homeowners can get confused by the complex insurance system and end up making a mistake when filing their claim. This can leave them without the money they desperately need at this difficult time.

LaMarca Law Group, P.C. is experienced in all aspects of homeowner’s insurance law. We are committed to helping you receive the coverage you deserve from your insurance company. Whether you are experiencing problems with your insurance or are preparing to file a claim, we can help. We are familiar with insurance law and the tactics insurance agents use to protect their bottom line.

Denied or delayed homeowner’s insurance claim? Don't settle for less than you deserve. Contact us today at (515) 705-0233 for a free consultation and let us fight for your rights!

Common Reasons Homeowner’s Insurance Claims Are Denied

Filing a homeowner’s insurance claim doesn’t always guarantee approval. Insurance companies may deny claims for various reasons, leaving homeowners without the coverage they expected. Here are some common reasons why a claim may be denied:

• Lack of Proper Documentation – If you don’t provide enough evidence, such as photos or receipts, the insurer may argue there isn’t sufficient proof of damage.
• Disputes Over Coverage – Some damages may not be covered under your policy, or the insurance company may interpret coverage exclusions in a way that benefits them.
• Accusations of Fraud or Misrepresentation – If an insurer suspects that a claim is exaggerated or contains incorrect information, they may deny it outright.
• Missed Filing Deadlines – Insurance policies have strict deadlines for reporting damage and filing claims. Missing these deadlines can result in automatic denial.
• Damage Classified as Wear and Tear – If the insurer determines that damage resulted from normal aging or poor maintenance rather than a covered event, they may refuse to pay.

Steps to Take When Your Homeowner’s Insurance Claim Is Denied

If your claim is denied, you don’t have to accept the decision without question. You have options to challenge the denial and fight for the coverage you deserve:

• Review Your Policy – Carefully go through your insurance policy to understand what is covered and whether the insurer’s reasoning is valid.
• Gather Additional Evidence – Take more photos, obtain repair estimates, and collect any other proof that supports your claim.
• Request a Written Explanation – Ask your insurer to provide a formal denial letter detailing why your claim was rejected.
• File an Appeal – Many insurance companies have an appeal process that allows you to challenge their decision.
• Consult an Attorney – If your appeal is unsuccessful, an experienced homeowner’s insurance lawyer can help you take legal action.

How to Maximize Your Homeowner’s Insurance Claim

To improve your chances of receiving a fair payout, take proactive steps when filing your claim:

• Document Everything – Immediately take clear photos and videos of the damage from multiple angles.
• Keep Records of All Communications – Save emails, letters, and notes from phone conversations with your insurer.
• Get Independent Repair Estimates – Obtain quotes from reputable contractors to ensure the insurance company’s estimate is fair.
• Avoid Signing Too Quickly – Don’t accept a settlement without reviewing it carefully or consulting an attorney.
• Be Cautious of Low Offers – Insurance companies may initially offer a low settlement in hopes you’ll accept without question—don’t be afraid to negotiate.

Why You Need a Homeowner’s Insurance Claims Attorney

If you have experienced any loss, theft, or damage to your home, you expect compensation from your homeowner’s insurance company. Without a lawyer, it can be challenging to receive the full compensation that you deserve from your homeowner’s insurance company. Insurance law can be extremely complicated. If you make a single mistake during the process, your claim might be delayed or denied altogether, forcing you to pay bills out of your own pocket that you can’t afford. A lawyer can make sure you file your claim properly so you get the money you need when you need it. Furthermore, if your claim is unexpectedly reduced or denied, your lawyer can negotiate on your behalf. Trying to fight alone for what you deserve in a complicated legal system is frustrating and tiring. There is no reason to deal with the stress and frustration from home property loss or damage alone. 

Why You Should Hire LaMarca Law Group, P.C.? 

LaMarca Law Group, P.C. has been recognized by U.S News & World Report as one of the best law firms six years in a row. We also have years of experience handling homeowner’s insurance claims. At LaMarca Law Group, P.C., we know how to negotiate with insurance companies to get our clients the money they deserve. We know the tricks of the trade and how some homeowner’s insurance companies will try to evade their contractual and legal obligations. Our success in our field has won our clients millions of dollars and earned us numerous accolades and awards, including being named to the Best Lawyers in America list. When you are in need of help with your homeowner’s insurance claims, LaMarca Law Group, P.C. is the best choice in Des Moines.

Cases We Handle

LaMarca Law Group, P.C. is familiar with a wide variety of homeowner’s insurance claims. Some of the cases we see often in our office include:

• Claims related to stolen or destroyed personal property as a result of burglary/home invasion.
• Claims tied to a natural disaster, such as fire, flooding, tornado, etc.
• Claims related to the home’s wiring, roofing, foundation, infrastructure, etc.
• Claims related to repair work that was not completed correctly by an insurance approved or recommended contractor and which led to damage to your personal or real property.

With all of these case types, problems can arise in the claim process, including:

• Misrepresentation of benefits by the homeowner’s insurance company that led to non-coverage of claims you thought were covered.
• Wrongful denial of your homeowner’s insurance claim.
• Delay in receiving compensation.