Insurance companies have a legal duty to treat clients and policyholders in accordance with state and federal laws. These laws are clear: an insurance carrier must make an honest, good-faith attempt to resolve a claim according to the terms of the policy. Unfortunately, not all insurance companies follow these rules. Many mishandle claims and even break the law in an effort to save money on claim payouts. This is known as insurance bad faith.
The Florida insurance claim attorneys at Williams Law, P.A. understand bad faith and how to go up against insurers when they push back against claimants. Our Florida bad faith insurance attorneys can help you with even the most complicated insurance dispute. Contact us today for a free legal consultation.
What Is Insurance Bad Faith to Florida?
Insurance bad faith means that an insurance company is failing to fulfill its legal obligations under the language of your policy. It is knowingly and willfully breaching its duty to handle your claim in good faith. The agent or representative assigned to process your claim – known as an insurance claims adjuster – may employ many tactics, including unlawful practices, to try to reduce your payout. Bad faith can make it difficult or impossible to recover the financial compensation that you deserve for a property loss or personal injury.
Signs of Bad-Faith Insurance
Not all negative case outcomes constitute insurance bad faith. Sometimes, an insurance company simply needs more information about the incident or makes an administrative error that results in a rejected claim or inadequate settlement offer. However, some actions and responses from an insurance company are calculated to take advantage of the client and protect the company’s profits. Examples of bad faith insurance include:
- Ignoring a claim
- Unnecessary delays
- Lowball settlement offers
- Failure to properly and thoroughly investigate a claim
- Refusal to offer a reasonable settlement
- Requesting too much evidence
- Unfounded insurance claim denials
- Intentionally misinterpreting the terms of the policy
If you run into any obstacles or complications during an insurance claim in Florida – including a hurricane damage claim, sinkhole claim or water damage claim – contact an insurance bad faith lawyer right away to discuss your legal options. If your lawyer finds evidence of bad faith, he or she can build a lawsuit against the insurance company for failing to fulfill its obligation to you as a claimant.
Compensation Available for Insurance Bad Faith
Filing a bad faith insurance lawsuit in Florida can result in two awards: one for your original insurance claim and another to penalize the insurance company for bad faith behaviors. This type of claim could allow you to recover money for your initial losses even over the insurance policy limits, with an additional amount given for your legal fees, trouble or to punish the defendant. With assistance from an attorney at Williams Law, P.A., you can fight for the settlement that you need to reimburse you for your losses and hold an insurance provider accountable for breaking the rules.
How a Bad Faith Insurance Attorney in Florida Can Help You
Going up against an insurance company alone is not easy – especially if the insurer has already exhibited signs of misconduct or bad faith. Insurance companies have years of practice taking advantage of clients to save their investors money. The best way to combat these tactics and level the playing field is by hiring an attorney to represent you.
An insurance bad faith lawyer in Florida will have the resources, experience and knowledge to take a stand against bad faith and fight for the case results that you need. Your lawyer will use aggressive legal tactics to force an insurance company to treat you fairly, even if this means going up against the insurer at trial during a bad-faith lawsuit.
Has Your Home Insurance Company Denied Or Undervalued Your Property Damage Claim In Florida?
If your insurance company is dragging their 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 Tampa, 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.