what can i do if my insurance denies coverage on a house fire after a lengthy investigation into whatever they do (definitly not much was asked )

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what can i do if my insurance denies coverage on a house fire after a lengthy investigation into whatever they do (definitly not much was asked )

my house was burglarized 11/23/2008 and burnt after i cooperated fully my insurance company refused me coverage 06/11/2009 what do i do

Asked on June 12, 2009 under Real Estate Law, Kentucky

Answers:

J.M.A., Member in Good Standing of the Connecticut Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

I am a lawyer in CT and practice in this area.  The are several reasons why the insurance company denied the claim.  One reasn could be thart you failed to notify them on time of the fire and could investigate, another would be that they believed that you started the fire, or another could be that the fire was caused by something that is excluded under the policy.  I do not have enough facts to give you a difinitive answer here, but if you believe that the fire was an accident and you timely notified the carrier and they just denied the claim, then you want to hire a lawyer to investigate a bad faith claim against the insurer.


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