Bad-Faith Insurance Claims in Florida
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.
Satisfied Clients Speak Up About Our Florida Bad Faith Attorneys
- “Kraft Legal has been working and is working with excellent results in favor of the errors and injustices that I have gone through and am going through. I thank God that I found this firm of conscientious and trusting lawyers. I have to express my special thanks to Felipe Perea who has made an effort to keep me informed and has maintained his professionalism throughout the course of my case and also helping me with my language to understand it. Many thanks to Kraft Legal and especially Felipe Perea. God bless you.” -Joaquin Rubido
- “Our home has survived many Florida hurricanes but when a strong, surprise hail storm hit in early 2020, our house suffered substantial damage. Our homeowner’s insurance company had a team of experts on their side to fight our claim. When weeks turned into months, we knew we needed someone to represent our needs. Krapf Legal came highly recommended and we now understand why this team has earned its outstanding reputation. Every Krapf Legal representative has been so professional, understanding and so passionate about helping homeowners like us. While we live several miles away in another city, the Krapf legal team (Grant, Keller and the entire team) treated us like neighbors. They were professional, responsive and spot on with their advice. In the end, we received the compensation we needed to repair our home. Truly, we couldn’t have resolved our claim with such a positive outcome without Krapf Legal. Thank you!!!” -Donna Jones
- “Very professional, knowledgeable, and reliable. I highly recommend Krapf Legal to find appropriate resolutions to your unique legal needs.” -Lisa Fiene
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