Florida Insurance Dispute Attorneys
If your insurance claim has been denied or underpaid, experienced Florida Insurance Claim Dispute Attorneys can help you fight the insurance company and win a fair payment. Florida Insurance Claim Dispute Attorneys understand the complexities of insurance policies, the tactics insurance companies use to deny and underpay claims and the rights you have as a policyholder. They will deploy their knowledge, experience and skill to fight for your rights and win the payment you deserve.
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Insurance Dispute Claims We Handle
Storm Damage Claims
Florida thunderstorms often include strong winds, lightning, and heavy rain. Floridians must also contend with the Atlantic hurricane season that has been producing an unusually high number of hurricanes in recent years. If your property was recently damaged by a storm or hurricane, the following steps can help you manage the immediate aftermath and protect your financial investment.
Car Accident Claims
A car accident often leaves victims with serious physical and emotional injuries. In addition, the financial hardship that stems from a car accident can be extremely stressful for victims and their families. However, when an insurance company denies a claim or delays payment, recovering from your injuries can become a seemingly impossible goal.
Auto Insurance Claims
When you’re involved in an accident and file a claim with your auto insurance company, you expect to be paid in full and without delay. After all, you have probably been paying premiums on that policy for some time. If your auto insurance company refuses to pay a claim or unreasonably delays the payment on a claim, it can make handling the accident and damage you suffered very difficult.
Slip and Fall Claims
A slip and fall accident can cause serious long-lasting injuries. Recovering from those injuries can be challenging enough; however, if the insurance company responsible for covering your expenses denies your claim or unreasonably delays payments, it can increase the challenge and seriously hamper your recovery process.
Premises Liability Claims
Recovering from injuries sustained while on someone else’s property can be a long and painful process. If the responsible party’s insurance company denies or delays payment of your premises liability accident claim, the recovery process can be even more difficult.
Homeowners Insurance Claims
When your property is damaged by a storm, fire, wind or water and you file a claim with your homeowner’s insurance company, you expect that the claim will be paid in full in a reasonable amount of time. If your insurance company fails to pay your claim in full, delays payment, or outright denies the claim, it makes recovering from your loss very difficult.
Life Insurance Claims
When you make a claim with a life insurance company it is usually because you recently lost a family member or loved one. If you are a beneficiary of the policy, it means that the insured wanted the proceeds of the policy to help provide for you in their absence. If the life insurance company denies the claim or unreasonably delays the payout, it makes the grieving process even worse.
Fire Damage Claims
Fire damage can be disastrous for home and business owners, since fire and smoke can destroy personal belongings and and make buildings uninhabitable. Recovering from this kind of damage is extremely difficult, even if your insurance policy covers repair and replacement costs. However, when your insurance company denies, delays or underays your fire damage claim, recovering is close to impossible.
Hail Damage Claims
Although most people do not associate hail with the weather in Florida, the reality is that hail does occasionally accompany thunderstorms in the Sunshine State. When hail does fall, it typically causes serious damage to vehicles and other property. If your insurance company denies or delays paying your claim, it makes recovering much more challenging.
Water Damage Claims
Insurance claims for water damage are the most common type of property damage claims filed. This is especially true in Florida, where water damage during tropical storms is prevalent, but it is also common among homeowners whose pipes break or whose appliances malfunction.
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Frequently Asked Questions
Getting advice from an insurance claim lawyer costs you nothing. You pay your attorney only after you obtain a satisfactory settlement from your insurance company through negotiations or are awarded a satisfactory amount through litigation at trial.
An experienced insurance claim dispute attorney can determine how much your case is worth after examining your insurance policy, your claim and the evidence supporting your claim.
In general, insurance companies are highly motivated to protect their bottom lines and minimize payouts to policyholders. They often interpret language in policies in a way that enables them to deny legitimate claims. They may, for example, allege that the reported damage is excluded from the policy, that no covered loss occurred, or that the damage is less than what you claim or is below the policy deductible.
As a policyholder who has paid insurance premiums, you have the right to appeal your insurance company’s decision on your claim. You should gather the evidence necessary to support your appeal, including an estimate of the damage from an independent appraiser, and then file an appeal with your insurer. If your appeal fails, you can file a complaint with the Florida Division of Consumer Services. Consulting with an experienced insurance claim dispute attorney prior to filing an appeal may help you determine your best course of action.
Insurance claim dispute attorneys can examine your policy to determine your coverage and any payment(s) the company is required to make. They may also conduct a thorough investigation into previous and current home inspections, audits and other documentation, which can be helpful in settling your claim dispute. Insurance claim dispute lawyers know that dealing with insurance companies can be very frustrating and want to help minimize your stress and frustration while maximizing the amount you are paid.
