Florida First-Party Coverage Disputes Lawyer
An insurance policy is a contract between the policyholder and the insurance company. Each party to the contract has rights and obligations. The obligations of the policyholder include paying premiums on time and giving prompt notice of a claim. The insurance company’s duties include paying valid claims in full and on time. An initial question any time a claim is presented is often whether the policy covers the particular claim. Unfortunately, insurers find many ways to deny or disclaim coverage, leaving the insured out in the cold without receiving the benefit of the insurance he or she has been paying for all these years.
Florida residents throughout the state invest in various forms of insurance coverage with the understanding that they will be protected in the event they need to make a claim. Premiums for different types of insurance policies vary, and they can be paid on monthly, quarterly, or yearly timelines, but they are designed to provide the insured who is paying those premiums with peace of mind. When an insured party files a claim with their own insurance company and issues arise, it is important to seek legal advice. Contact our experienced Florida first-party coverage dispute lawyer today.
What is First-Party Coverage in Florida?
In order to understand how first-party coverage disputes often arise and what you may be able to do about them, it is essential to understand what we mean when we refer to first-party coverage.
Generally speaking, first-party insurance claims are any claims that an insured files through their own policy with an insurance company (versus third-party claims that are filed through another party’s liability insurance). In Florida, first-party claims typically refer to property insurance claims through the property owner’s insurance coverage. A first-party claim may be a homeowner’s insurance claim after a residence sustains wind or fire damage, or a flood insurance claim in the aftermath of a hurricane or other situation involving storm surge.
What Are Florida First-Party Coverage Disputes?
What are first-party insurance coverage disputes in Florida? This term refers to a situation in which a claimant’s (the insured) insurance company is disputing the claim submitted. There are many different reasons that an insurance company can deny the claim of an insured. In general, insurance companies will do everything they can to avoid paying out a claim. It is important to remember that the insurance company is never on your side — it is a business that wants to avoid playing claims and to attend to its own bottom line. As a result, first-party coverage disputes can arise.
How a Lawyer Can Help with Your Florida First-Party Coverage Dispute
How can a lawyer help you with your Florida first-party coverage dispute? Whether your insurance company has denied coverage altogether, alleges that only a portion of your claim is covered, or argues that your policy has been canceled or is invalid, you may be dealing with a coverage dispute. The lawyers at Geyer Fuxa Tyler have years of experience dealing with insurance companies in these circumstances, and we can gather evidence to prove that you are eligible for coverage and that the insurer must pay out your claim.
When a dispute arises over whether a particular claim is covered, the Florida first-party dispute lawyers at Geyer Fuxa Tyler conduct a thorough analysis of the situation and provide strong, aggressive representation to make sure the insurance company holds up its end of the bargain it made with you. From our main office in Sunrise, we represent clients all over the state of Florida.
Call 954-990-5251 to speak with one of our attorneys.
Insurance policies are lengthy, complicated, and highly technical documents written in legalese with portions that the average policyholder simply cannot and was never meant to read or understand. With our expertise, we may find that a good-faith disagreement exists over whether coverage applies in a particular instance. Discussions or litigation can usually resolve the disagreement.
At Geyer Fuxa Tyler, we will analyze your policy, investigate the facts in your case, and determine whether you have a valid policy that covers your particular claim. The insurance company may go through this own process and get a differing opinion from its lawyers, and litigation may be necessary to resolve the matter. In some cases, establishing coverage is only the first step, and the insurance company may still dispute liability or damages issues. Our comprehensive insurance law firm can represent you through the entire process to make sure you get the benefits you deserve.
It is fair to expect the insurance company to investigate a claim and satisfy itself that the claim is covered before it pays out. It is reasonable to expect the insurer to investigate the damage, review any accident report, and perhaps even review the policy to see whether the policy includes the type of injury or damage. So long as these actions are not taken to avoid paying a valid claim, we can work through the issues with the insurance company at the negotiating table or in the courtroom. Where the insurance company tactics are unreasonable, we are equally prepared to hold them accountable for their bad faith insurance practices.
Reach Out to the Florida First-Party Coverage Dispute Lawyers at Geyer Fuxa Tyler Today
If you are encountering any issues or disputes after filing a claim for coverage through a property insurer, it is important to seek legal advice as quickly as possible. Whether the insurer is acting in bad faith or a minor error in your claim needs to be resolved, the firm of Geyer Fuxa Tyler can help. Contact our experienced Florida first-party coverage dispute lawyer today.