Insurance claims

Mortgage Insurance Lawyers

Work with mortgage insurance lawyers that fight policy disputes in Toronto and across Canada.

We offer a free consultation and no fees unless you win.

Two types of mortgage insurance exist: mortgage life and mortgage disability insurance. They protect property owners unable to make mortgage payments due to illness or death, paying off the mortgage or covering monthly payments for a set period. These policies are typically purchased at the time you negotiate your mortgage and paid to the lender upon approval.

Mortgage disability claims may be denied if you’re deemed able to work, as defined in the policy. Denials for both mortgage life and mortgage disability claims often result from coverage disputes related to alleged misrepresentation at policy purchase, reviewed by a mortgage insurance lawyer.

Why Was My Mortgage Insurance Claim Denied?

You need a mortgage insurance lawyer if your claim is denied despite meeting the requirements for coverage. Typically, we see denials for one of three reasons.

Misrepresentation

Filling out a mortgage insurance application involves answering important, sometimes intricate, questions. If you fail to disclose relevant medical history, it can be problematic later during a claim. The insurance company might argue they wouldn’t have issued the policy if they had known about your medical history. If your mortgage insurance claim is denied due to misrepresentation, we strongly recommend contacting our team of experienced mortgage insurance lawyers to explore how we can assist you in addressing this issue effectively.

Insufficient Medical Evidence

On Mortgage Disability Insurance claims the insurance company may refuse to pay your claim if they are not satisfied that you cannot work. They may disagree with your doctor’s medical opinion and come to a judgment of their own. If you are denied due to insufficient medical evidence, you should contact one of our mortgage insurance lawyers to see how we can fight their denial.

Exclusions

Your mortgage insurance policy will include exclusions. Here are the most common ones seen:

  • Medical conditions due to alcohol or drug abuse
  • Disabilities resulting from cosmetic surgery
  • Partial disabilities, meaning you can still perform the regular duties of your occupation part of the time
  • Disability or Death, which occurs during the commission or attempted commission of a criminal offence

If your mortgage insurance claim was denied due to your conditions resulting in an exclusion in the mortgage insurance policy, we suggest contacting our mortgage insurance lawyers to see if we can assist.

Contact one of our mortgage insurance lawyers to discuss your chances of success in pursuing the claim further.

Mortgage Insurance Lawyers Can Help

If denied your mortgage insurance claim, you might not know where to turn next. You may feel hopeless now, but rest assured you’re not alone. When you call Share Lawyers, you will speak with someone who knows what it means to have your policy denied and can offer you the best possible advice at no cost to you. Our mortgage insurance lawyers can help you in your time of need.

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How much time do I have?

There are time limits to all disability claims and any delay in proceeding may be subject to a deadline so you should not delay in proceeding with your disability claim or obtaining legal advice to clarify these deadlines. We understand how important these timelines are and will respond to any call or email as soon as we can.

Our Lawyers Can Help with Mortgage Insurance Denials

Mortgage insurance is designed to pay off a mortgage (or several mortgage payments) in case of death or a disabling condition. This insurance is typically purchased as part of a mortgage application with your financial institution, and an approved mortgage insurance policy would pay mortgage payments to the financial institution.

Claims are often denied because of the way the insurance was taken out. A short medical questionnaire you’re asked to fill out will be scrutinized against your medical records, and any pre-existing condition not disclosed can cause an immediate denial of the policy.

We Can Help You Get the Money You Deserve

Before accepting a refusal by your insurance company to pay out on your mortgage insurance policy, our lawyers for mortgage insurance claims encourage you to consult further with us to determine whether we can assist you in recovering all or part of what rightly belongs to you or your family.

Free Consultation

Regardless of whether you have just applied for your insurance claim or have been denied by your insurance company and need support, we will talk you through all of your options—free of charge. It’s important to be informed about the insurance claim process and to know your rights.
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Win Your Case

We understand your situation and that paying for an insurance lawyer can feel out of reach. We are here to help you no matter where you are in the process. That is why we offer a free consultation, why there are no upfront costs to you, and why there are no fees unless you win your case. You’re not alone. We believe in your case, which is why we only get paid when you do.
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Life reBUILDER™

When you work with us, you get guidance and tools to help you along the way. You will become a member of a privileged group of clients with access to our hub, called Life reBUILDER™, exclusively from Share Lawyers. It offers six unique services to help rebuild your life and get you back on track, beginning with the expertise of a full legal team working for you.
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