Has an insurance company improperly denied paying out your policy coverage? This may happen with all types of insurance, including life insurance, fire and flood insurance, etc. Crangle has taken on the big insurance companies before and forced them to pay out.
The relationship between an insurance company and its clients is supposed to be based on trust. The client trusts that if they purchase an insurance policy and make their monthly payments, then if they ever have to make an insurance claim, the insurance company will pay out the claim in accordance with the policy. The relationship is founded upon good faith. Unfortunately, it does not always work out that way. Once a claim is submitted to an insurance company, the insurance company will perform and investigation to determine if you answered all of the questions in the insurance application truthfully. The questions in the original insurance application are often vague and open to interpretation. If their investigation later finds that you did not answer one of their questions properly, or failed to disclose something that is an exclusion within the policy, then they will deny your insurance claim. That means you will have paid insurance in good faith for all of those years and now they deny your claim. This can be devastating. There is a reason why some of the biggest, most impressive looking buildings are owned by insurance companies. They make a lot of money and look for ways to avoid paying out an insurance claim.
If you have suffered damages due to a fire or flood, then you know how much the costs are to rebuild and remedy the property. Sometimes these damages are a lot more than you can afford, which is why you purchased the insurance policy in the first place. Insurance companies are masters of delay and deny. They appoint an adjuster to perform an investigation and keep you waiting while your life hangs in the balance. You need to hire an aggressive lawyer to fight for your interests.
If you are a beneficiary under a life insurance policy that was denied, the reason was likely because the insurance company performed an investigation to determine if there were any misrepresentations made in the original insurance application. The insurance company likely ordered the medical records of the policyholder and searched them to see if there was a medical condition was not disclosed in the application for insurance. If they find it then they will deny coverage.
Another reason insurance companies deny coverage is because of a missed payment. Perhaps the policy owner made payments for years, but then missed a payment. If the policy lapsed, insurance company will not pay out. However, our courts have required insurance companies to pay out in certain situations even if there has been a lapse.
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