Insurance Claim FAQs

Who do we represent?

We represent Florida insurance policyholders in "first-party" insurance claims. A first-party insurance claim is asserted by a policyholder, against their insurance company. This usually arises when a policyholder makes a claim for loss, and the claim is improperly denied or underpaid by the insurance company.

What to do after a loss?

An insurance policy has various conditions that an insured has to meet when filing a claim. It is important that you meet those conditions in order to receive payment for the claim. First condition is usually to give prompt notice of the loss. Secondly, you want to cooperate with the investigation of the loss. Third general condition is to provide a sworn proof of loss within the time period required by the policy. If an insurance company is asking for compliance with a policy condition and you are unsure of what to do, contact a qualified attorney at our office for a free initial consultation

When is the insurance company going to issue my payment?

If you suffer a loss, the last thing that you want to worry about is when the payment is going to be issued. Unfortunately, in Florida insurance companies have 90 days from the day that the loss is reported to issue a payment. Moreover, insurance companies can extend those 90 days if you have not complied with your policy conditions If your insurance company is delaying payment, contact our office for a free initial consultation.

My insurance company did not pay enough. What are my options?

Once an insurance company issues a payment, there are several options available to an insured if they wish to challenge the sufficiency of the payment. One option is to go to mediation through the state of Florida. Some policies of insurance make this a requirement before any additional steps can be taken. Another option is to go to appraisal. The appraisal is an extra-judicial remedy that allows an insured to hire an appraiser, the insurance company to hire an appraiser, and the appraisers to select an umpire to resolve the dispute. However, not all cases are candidates for appraisal. Lastly, an insured can file a lawsuit against the insurance company to challenge the claim decision. Contact our office for a free initial consultation to discuss whether mediation, appraisal or a lawsuit is the best option for your insurance claim.

I have hired a public adjuster. Do I still need a lawyer?

Public adjusters provide a very valuable service after a loss occurs. From covering initial inspections to preparing an estimate, to assisting in the preparation of a proof of loss, a good public adjuster is priceless. However, public adjusters are not attorneys and cannot legally practice law. If you think the insurance company is breaking the law or your public adjuster has told you that it is time to hire an attorney, contact our office for a free initial consultation.

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