Bad-Faith

Dealing with property damage can be a frustrating and stressful experience. When you file an insurance claim, you expect your insurance company to provide the coverage and compensation you need to repair your property. However, insurance companies sometimes wrongfully deny or underpay claims, leaving policyholders feeling helpless and unsupported.

How to Appeal a Denied Claim

Many property owners also choose to craft an appeal as a means of attaining adequate compensation. Here are the steps you should take to appeal a denied claim:

1. Review the Denial Letter

The first step is to carefully review the denial letter from your insurance company. The letter should explain why your claim was denied and provide any relevant policy language or documentation. Understanding the reason for the denial is essential in crafting an effective appeal.

2. Gather Evidence

Once you understand the reason for the denial, you should gather any additional evidence that supports your claim. This may include photographs, repair estimates, and witness statements. You should also review your policy to ensure that you have met all the requirements for coverage.

3. Write an Appeal Letter

The next step is to write an appeal letter to your insurance company. Your letter should be concise, clear, and well-reasoned. It should address the reasons for the denial and provide any additional evidence or documentation that supports your claim. Be sure to keep a copy of your letter and any supporting documents.

How to Negotiate With The Insurance Company

If you don’t appeal your coverage, you may instead choose to negotiate with your insurance company. Here are some tips for negotiating with your insurance company:

1. Remain Calm and Professional

When negotiating with your insurance company, it is essential to remain calm and professional. Avoid becoming emotional or confrontational, as this can harm your negotiating position.

2. Be Prepared

Before entering into negotiations, be prepared. Have a clear understanding of your policy, the extent of your damages, and the compensation you believe you are owed. 

3. Consider Mediation

If negotiations with your insurance company are not progressing, consider mediation. A neutral third party can help facilitate a resolution between you and your insurance company.

When to Consider Hiring an Attorney

If negotiations with your insurance company aren’t successful, it may be time to consider hiring an attorney. If you’re unsure of whether or not you should pursue legal help, then consider these factors below: 

1. Bad Faith

If you believe that your insurance company is acting in bad faith, an attorney can help you file a bad faith claim. This type of claim alleges that the insurance company is not fulfilling its contractual obligations or acting in an unfair or deceitful manner.

1. Complex Claims

If your property insurance claim is complex, or if you are unsure of your legal rights, it may be wise to hire an attorney. An attorney can provide legal guidance and help you navigate the claims process.

Let Us Handle Your Property Insurance Claim

Florida has a statute specifically to deal with issues related to insurance companies that handle insurance companies “in bad faith.” The sad reality is that these statutes and laws should not exist, but they do for a reason. We can help you take the legal action needed to bring bad-faith claims and promise to pursue them with the vigor and commitment you may not find with other law firms.