Homeownership is one of the largest investments most people will ever make. Protecting that investment with the right insurance coverage is crucial, especially in Rhode Island, where storms, coastal flooding, and other hazards pose significant risks. Yet many homeowners discover only after a loss that their policy doesn’t provide the coverage they thought it did, or worse, that their insurance company denies or undervalues their claim.
At PALUMBO LAW, we guide Rhode Island homeowners through the complexities of insurance coverage and claims. Understanding your policy and knowing how to respond to claim disputes can make all the difference in protecting your rights.
What Does Homeowners Insurance Typically Cover?
Most standard homeowners’ policies cover four primary areas:
- Dwelling Coverage: Protects the physical structure of your home, including walls, roof, and attached structures.
- Personal Property: Covers belongings such as furniture, clothing, and electronics.
- Liability Coverage: Provides protection if someone is injured on your property and sues.
- Additional Living Expenses (ALE): Reimburses costs for temporary housing, meals, and related expenses if your home becomes uninhabitable.
However, many policies exclude flood damage, earthquake damage, and certain types of water damage. Homeowners in Rhode Island should review their policies carefully and consider supplemental coverage if necessary.
Common Exclusions and Gaps in Coverage
Homeowners are often surprised to learn what their insurance does not cover. Common exclusions include:
- Flood damage (typically requires a separate flood policy).
- Sewer or drain backups.
- Wear and tear or maintenance-related issues.
- Damage from pests such as termites or rodents.
These exclusions can leave significant gaps in protection. Understanding them before a loss occurs allows you to purchase additional coverage if needed.
Filing a Homeowners Insurance Claim
If you experience property damage, acting quickly can help protect your rights. Steps include:
- Report the Loss Promptly: Notify your insurer as soon as possible. Delays may give them grounds to reduce or deny payment.
- Document the Damage: Take photographs, record video, and keep detailed notes of all losses.
- Preserve Damaged Property: Do not throw away damaged items until the insurance adjuster inspects them.
- Keep All Receipts: Save records for temporary repairs, hotel stays, meals, and other expenses.
Strong documentation is one of the best ways to ensure your claim is taken seriously.
What to Do if Your Claim Is Denied, Delayed or Underpaid
Unfortunately, insurance companies sometimes deny valid claims or drag out the process in hopes that policyholders will settle for less. Common reasons for denial include:
- Alleging the damage is not covered under the policy.
- Claiming the homeowner failed to prevent further damage.
- Disputes over the extent or cost of repairs.
If your claim is denied, delayed or underpaid, do not give up. Instead:
- Request a denial in writing, accompanied by a clear explanation.
- Review your policy carefully to confirm coverage.
- Consult an experienced Rhode Island property damage attorney who can challenge unfair practices.
At PALUMBO LAW, we negotiate directly with insurers and, if necessary, pursue litigation to secure the benefits our clients deserve.
Why Legal Help Matters
Insurance policies are contracts, and insurers often interpret them in their own favor. A skilled attorney can:
- Identify hidden policy provisions that support your claim.
- Gather expert opinions to support the extent of your losses.
- Push back against delay tactics and lowball settlement offers.
- Represent you in court if the insurance company refuses to pay fairly.
Our goal is to protect Rhode Island homeowners from being taken advantage of during some of the most stressful times in their lives.
FAQ: Homeowners Insurance in Rhode Island
Does homeowners’ insurance cover flood damage?
No, flood damage is not typically covered. Homeowners should consider purchasing a separate flood insurance policy.
Can my insurance company deny my claim for late notice?
Yes, insurers often require timely reporting. Delays can hurt your claim, but an attorney may still be able to challenge the denial.
What if my repair estimates are higher than what the insurer offers?
You have the right to challenge undervalued estimates. An attorney can help negotiate or litigate to recover the true cost of repairs.
Protecting Your Home and Rights
Homeowners insurance is supposed to provide peace of mind, but policy exclusions, delays, and denials often leave Rhode Island homeowners frustrated. By understanding your coverage, documenting losses carefully, and seeking legal guidance when disputes arise, you can safeguard your rights and protect your most important investment.
If your homeowners’ insurance claim has been delayed, denied, or underpaid, PALUMBO LAW is here to help. Contact us today to schedule a consultation and ensure your home and rights are fully protected.
