Clearwater First-Party Coverage Dispute Lawyer
Did you recently file a property insurance claim with your homeowner’s insurance company or through your flood insurance policy only to be denied full or partial coverage? You are certainly not alone. Residents of Clearwater frequently deal with first-party coverage disputes after submitting claims to their insurers, and after completing all necessary steps to receive coverage. You should never have to be in a situation where you have upheld your end of the agreement with your insurance company only to be informed that your claim was denied. These disputes can be remedied with help from an attorney who regularly handles insurance claim cases. Contact our experienced Clearwater first-party coverage dispute lawyer for more information about how we can represent you before your insurance company.
Clearwater First-Party Insurance Coverage Claims
Clearwater residents typically can file first-party insurance claims in certain circumstances, and third-party insurance claims in other circumstances. What is the difference between a first-party and a third-party claim? The distinction is essential to understand because it determines whether you are filing a claim with your own insurer (and thus dealing with a dispute involving an insurer with whom you have a legal agreement) or you are filing a claim through another person’s or entity’s insurance policy.
First-party claims are insurance claims that an insured (i.e., the party insured, who has entered into a legal agreement with the insurer for coverage and has been paying associated premiums) files through their own policy with their own insurance company. Third-party claims, differently, are insurance claims that a person or entity files through another party’s liability insurance (such as a property damage claim after a Florida car accident caused by the policyholder).
Understanding Clearwater First-Party Coverage Disputes
Insurance companies that have clients with insurance policies in Clearwater might try to give the appearance that they are on the side of the insured, but this is not the case. These insurance companies are, however, required to comply with the terms of the insurance agreement or else face litigation and potentially be responsible for damages.
When an insurance company does not comply with the terms of an insured’s policy and denies coverage, the insured must begin thinking about options to handle this first-party coverage dispute.
First-party coverage disputes can vary depending on the circumstances. In some first-party coverage disputes in Clearwater, the insured might receive a payout offer from the insurer for part of their claim amount but be denied a portion of the claim because the insurer says the policy does not cover a particular kind of damage. In other cases, a Clearwater resident might be denied coverage altogether, with the insurer claiming the damage is not covered by the policy or that there is an issue with the policy itself.
Contact Our Clearwater First-Party Coverage Dispute Lawyers Today
Anyone in Clearwater who has been denied coverage after submitting a legitimate claim to their insurer should seek legal advice about resolving the dispute and receiving the coverage they need. Sometimes insurance companies or insureds themselves make mistakes concerning claims, and attorneys can remedy errors quickly. Yet even when the insurer is acting in bad faith in disputing the insured’s coverage, an attorney can fight for the insured. Contact our experienced Clearwater first-party coverage dispute lawyer for more information about how we can assist you.