Insurance Dispute Frequently Asked Questions

Whether you recently experienced a car accident or a tree falling on your home, dealing with the insurance claims process is not always easy. Discovering that an insurance company has denied your claim or has chosen to delay payout can make the process more difficult than it has to be. If your insurance company has continuously denied or delayed your payout, a lawyer may be able to answer any questions or concerns you have about the claims process.

What is an insurance dispute?

An insurance dispute arises when an insurance company and a policyholder do not agree on the terms of a settlement. The insurance company may deny the claim outright, offer less than the claimant believes his or her damages are worth or delay payout without a valid explanation.

What are the kinds of insurance disputes?

A dispute can happen for many reasons, but the most common are claims denials and slow payouts. An insurance company might also extend a settlement negotiation longer than it should reasonably go on.

What types of insurance can you dispute?

A policyholder can enter into a dispute with any insurance company regarding any type of insurance. Disputes may arise about auto insurance, property insurance, boat insurance, life insurance or other types of insurance policies.

What is insurance bad faith?

Insurance bad faith refers to an insurance company’s failure to fulfill its duty to process a claim in good faith. Every insurer must lawfully handle claims in good faith – meaning with fairness and honesty. Failure to do so, often in an attempt to save money, is insurance bad faith.

What should you do if you believe your insurance company is acting in bad faith?

Speak to an insurance bad faith lawyer about the possibility of filing a claim for damages. A successful lawsuit could yield payment for your original claim as well as additional compensation in interest payments and penalties. Insurance companies in Florida will owe 12% interest for each year of unpaid reimbursements.

Retaining an attorney is one of the best things you can do if you suspect insurance bad faith. If you and your family need money to repair your home or vehicle, but your insurance company does not appear to be dealing with your claim fairly, a lawyer can help you go up against the insurer in pursuit of financial recovery.

How to Resolve an Insurance Dispute

Start the dispute process by contacting your insurance company and discussing the source of your disagreement. Before you call, get a basic understanding of the laws surrounding your unique claim. Then, talk to the claims adjuster about why you are unhappy with how the company has handled your case. Be calm and polite. As proof of your dispute, send a letter outlining your points to the insurance company.

Has Your Home Insurance Company Denied or Undervalued Your Property Damage Claim in Florida?

If your insurance company is dragging its feet regarding your property damage claim you should speak with an experienced insurance claim lawyer as soon as possible. Please contact us online or call our Florida law office directly at 800.451.6786 to schedule your free consultation. We help Florida residents just like you fight the big insurance companies who fail to abide by their own policies. Remember, we work on a contingent basis, meaning you don't pay us anything until we win your case. 

K.C. Williams III
Managing Partner who has spent his entire career representing Florida insurance and personal injury claims.