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Personal Injury

Wednesday, September 2, 2015

The insurer denied my claim. Now what?

Accidents happen.  Mother Nature causes damage.  Buildings burn down.  Because we know these things will happen, people and businesses purchase insurance to protect them from the losses these events cause.  A surprising number of times, though, after one of these events, someone makes a claim with their insurer, only to be told by the insurer that the loss isn’t covered.

But insurers make mistakes.  Some also say that insurers intentionally deny a claim in the hopes that the claim will go away.  Whatever the reason for the denial, if you have suffered a loss you believe should be covered by insurance, it is wise to have the matter reviewed by an attorney.

Ohio law recognizes that insurers write the insurance contracts, and that the purchaser has little to no say in what language is included, so insurance contracts are interpreted in favor of the insured.  Many times, courts have determined that when a contract is interpreted in favor of the insured, a claim actually is covered, despite the fact the insurer reads the contract differently.  This area of the law can be complex, and Insurance-coverage law is an area that many attorneys are unfamiliar with, so consultation with an attorney experienced in this area is critical.


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With offices in Toledo and Lima, OH Allotta Farley Co., L.P.A. serves clients throughout northwest OH with various legal matters. Areas of service include Allen County, Ashland County, Auglaize County, Crawford County, Defiance County, Erie County, Fulton County, Hancock County, Hardin County, Henry County, Huron County, Lucas County, Marion County, Mercer County, Morrow County, Ottawa County, Paulding County, Putnam County, Richland County, Sandusky County, Seneca County, Van Wert County, Williams County, Wood County, Wyandot County.

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