Denied a Home Insurance Claim? We Can Help.
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Our Surrey insurance lawyer team is here to help. Start today, with a free consultation. Or call us on: 604-547-9000
Experiencing damage to your home is stressful enough. But having your insurance claim denied can make things feel overwhelming. At Cote & Evans, we understand how frustrating it is to face an unexpected loss only to be told your policy doesn’t cover it. That’s why we’re here.
Our Surrey-based insurance lawyers help homeowners challenge unfair home insurance denials, whether your claim involves fire, flood, water damage, theft, or other property losses. We’ll review your policy, investigate the denial, and fight to get you the compensation you’re rightfully owed, so you can focus on restoring your home and peace of mind.
Common Reasons Home Insurance Claims Are Denied
Insurance companies often rely on vague wording, technicalities, or strict interpretations of your policy to deny legitimate home insurance claims. Here are some of the most common reasons we see, and how we can help challenge them:
Alleged Non-Disclosure or Misrepresentation
Insurers may claim that you failed to disclose important details about your home, renovations, or who was living there — even if the issue had no impact on the claim itself.Excluded Perils
Policies frequently contain fine print that excludes coverage for certain risks, such as gradual water damage or mold. We can review the wording and argue against unfair or misapplied exclusions.Wear and Tear or Maintenance Issues
Insurers sometimes deny claims by stating the damage was due to “normal wear and tear” or a lack of routine maintenance — even when a sudden event caused the damage.Insufficient Documentation
If the insurer claims you didn’t provide enough proof, we can help collect additional evidence, expert reports, or photos to support your case.Bad Faith Tactics
Delays, lack of communication, or unreasonable claim denials may point to bad faith conduct. In these cases, you may be entitled to additional compensation beyond the value of your original claim.
At Cote & Evans, we know how to hold insurance companies accountable when they try to avoid their obligations. If your home insurance claim has been denied, we’ll fight to make things right.
How We Help With Denied Home Insurance Claims
At Cote & Evans, we’re here to level the playing field when you’re up against an insurance company that has denied your claim. Our legal team has the experience and insight to identify bad faith practices, challenge vague exclusions, and push for the compensation you’re owed under your policy.
Here’s what we do:
Policy and Denial Review
We examine your home insurance policy, denial letter, and any supporting documents to identify where the insurer may have acted unfairly or incorrectly.Evidence Gathering
From independent damage assessments to expert reports and contractor estimates, we help collect the documentation needed to support your claim.Negotiation with Insurers
Our lawyers deal directly with the insurance company on your behalf, using legal leverage and detailed evidence to challenge the denial and push for a proper settlement.Litigation When Necessary
If the insurer continues to deny your claim or acts in bad faith, we’re ready to pursue legal action through the courts to get the resolution you deserve.
Your home is likely your most valuable asset. We’ll help protect it (and your financial future) with clear legal guidance and strong advocacy every step of the way.
Our Insurance Denial Law Services
- ICBC Insurance Denial
- Home Insurance Denial
Our Insurance Law Team
Phil Cote
Partner
SHREYA BOSE
ASSOCIATE
ELIZABETH DUKE
ASSOCIATE
JESSICA MORNEAU
ASSOCIATE
PAUL SEKHON
ASSOCIATE
ANGELA BARNA
ASSOCIATE
BANEET HANS
ASSOCIATE
JESSICA WOZNIAK
ASSOCIATE
HEATHER MIDDLEMASS
ASSOCIATE
Why us?
Proven Expertise
Our team has a strong track record of successfully navigating complex legal cases, ensuring the best outcomes for our clients.
Trusted Advocates
Clients rely on our dedication and commitment to provide personalized and effective legal representation.
Client Focused
Your priorities are our priorities; we work tirelessly to protect your interests and achieve your goals.
Results Driven
FAQ's
Start by reviewing the denial letter and your policy in detail. Save all correspondence and evidence related to the damage. Then contact a lawyer. We can assess your situation and help you understand your legal options.
Yes. Many denied claims can be successfully challenged, especially if the insurer misinterpreted the policy, lacked sufficient investigation, or acted in bad faith. A lawyer can help you build a strong case.
Claims involving fire, flooding, burst pipes, storm damage, theft, and vandalism are often denied due to exclusions or alleged neglect. Insurers also frequently cite “wear and tear” as a reason to avoid payment.
In most cases, you have up to two years from the date of denial to take legal action, but acting sooner is always best. We can help you understand the deadlines that apply to your situation.
Bad faith occurs when an insurer unreasonably denies your claim, delays a decision, or fails to properly investigate. If we can prove bad faith, you may be entitled to compensation beyond the original claim amount.
Don’t Let an Insurance Denial Leave You Without Options
If your home insurance claim has been denied, delayed, or underpaid, don’t face it alone. At Cote & Evans, we help Surrey homeowners stand up to insurance companies and fight for the coverage they deserve.
Contact us today for a free consultation — let’s review your case and help you move forward with confidence.