You pay insurance to limit the liability of your construction business. When something happens on the jobsite, you expect your insurance to pay out. However, insurance companies have teams of employees trying to protect their interests and reduce their costs as much as possible. After you file your claim, you may get notice that it has been denied or disputed.
To help you understand the ins and outs of filing a claim, a construction attorney in Brentwood, TN explains what could go wrong in this article.
If an injury or property damage occurs on the jobsite and you admit fault, it could mean you’re paying for it. There are several reasons you shouldn’t admit fault. One of them is that the cause of the incident may not be under your control or is not what you originally thought it was. If you admit fault, the insurance company won’t try to stop you from paying. Some policies even state in the contract that the insured cannot admit liability, doing so would amount to a breach of contract leading to a claim denial.
When an accident happens, it’s important to immediately take pictures and document the incident. Passing time can destroy evidence needed to prove you deserve coverage. Take photos of the scene, write down important dates, and take notes from any interactions related to the incident.
Filing a Claim Incorrectly
Because the forms are so complex, sometimes claim forms are not filled out correctly. Even the smallest error can lead to your claim being denied. Something as small as mistaking a date could lead to trouble. If you get a notice of denial, read it closely and don’t assume it’s correct.
Get Help from an Attorney
Even though there are many things that can go wrong while filing an insurance claim, you do have rights. A lawyer with knowledge of construction law and contract review can help you get the money you deserve.
Disclaimer: The information contained in this article is for general educational information only. This information does not constitute legal advice, is not intended to constitute legal advice, nor should it be relied upon as legal advice for your specific factual pattern or situation.