United Property and Casualty (UPC) Insurance is one of the largest providers of homeowners, commercial and flood insurance in the U.S. In an effort to remain profitable, UPC is often guilty of denying valid claims, offering low payouts and using other strategies to protect its bottom line. If you receive an insurance claim denial from UPC, contact Williams Law, P.A. to speak to a Florida insurance denials and appeals attorney about your legal options. We can help you appeal a denial.
How Can an Attorney in Florida Help You With a Claim Denial?
The right attorney can make an enormous difference to your financial recovery if your claim has been denied by United Property and Casualty Insurance. Rather than accepting the denial and moving on, your lawyer will do everything possible to reverse the insurance company’s decision or force it to pay fair benefits – even if this means going up against UPC at trial.
Your attorney can build a compelling claim on your behalf by collecting evidence and proof of your losses to submit to UPC. If the insurer still rejects your claim, your lawyer can help you file an appeal or consider filing a bad faith insurance lawsuit against UPC. A lawyer can guide you through the legal process to make sure that all sources of compensation are explored.
Is the Reason UPC Gave You for the Denial Valid?
Like most insurance companies, United Property and Casualty Insurance is often guilty of mishandling claims, taking advantage of clients and issuing wrongful claim denials. Unfortunately, these are common insurance company behaviors in this profit-driven industry. Yet there are many valid reasons that UPC may deny your Florida insurance claim, such as:
- Noncovered event or loss
- Claim form errors
- Missing or incorrect information
- Claim filed after UPC’s deadline
- Lack of medical necessity
- Not enough proof of losses
- Liability dispute
- Lapse in coverage
- Policy maximums
If you receive a claim denial from UPC, find out the reason. There may be a simple resolution, such as submitting further information about the incident or your losses. There may be more to reversing UPC’s decision, however, than following up with additional evidence. You may need to hire a Florida insurance dispute attorney to help you go up against the insurance company during an appeal or bad-faith lawsuit.
How to Appeal an Insurance Claim Denial in Florida
An appeal is an official request sent to the insurance company asking it to reverse its decision after the denial of a claim. The first stage of an appeal is the internal review, where you or your lawyer send a letter to UPC asking it to assign a different agent to review your case. If you have an emergency case, the insurance company must review the denial expediently. An internal review may find that the first agent made an error, leading to the acceptance of your claim.
If the internal review fails to give you the results that you need, your lawyer can help you request an external review. In Florida, the most common source for external insurance reviews is the U.S. Department of Health and Human Services. You can contact HHS to request an external review at (800) 866-6205. This review may lead to the HHS requiring UPC to accept your valid claim and offer a fair and full settlement.
Your third option is to file a bad faith insurance lawsuit. This may be available if there is evidence that UPC knowingly and willfully avoided paying you what you were due as a claimant. A bad-faith lawsuit could result in compensation not only for your original insurance claim but also an additional amount to penalize UPC for its wrongful acts. An attorney from Williams Law, P.A. can help you file this type of lawsuit and go up against United Property and Casualty Insurance to demand justice.
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.