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Florida Insurance & Litigation Lawyers / Orlando First-Party Coverage Dispute Lawyer

Orlando First-Party Coverage Dispute Lawyer

First-party coverage disputes involve policyholders who make a claim to their insurance carrier. A common example is a homeowner who makes a claim for property damage after a tropical storm hits Orlando, but their insurance carrier denies the claim. Now you have a first-party coverage dispute—and you should seek out qualified legal assistance.

Unfortunately, insurance carriers interpret the contracts they write in a self-serving way. Often, they claim a loss isn’t even covered by the insurance policy, so your years of paying premiums are all for naught. Unfair denials are common, and policyholders must protect their rights by hiring an Orlando first-party coverage dispute lawyer today.

Why a Public Adjuster is Not Enough

Many property owners hire a public adjuster to help with a first-party claim. The adjuster can evaluate the extent of damage and support it with documentation. Adjusters are an excellent resource. Without one, you might struggle to estimate the full value of your loss. You might also not have sufficient documentation.

However, Florida strictly limits what duties a public adjuster can perform. In particular, the state prohibits them from the unauthorized practice of law. Unless they have a bar license, they cannot offer legal services. You will need to hire an experienced insurance coverage dispute lawyer to:

  • Engage in thorough contract analysis. Insurance contracts contain dense language and foreign terms. A lawyer with a deep background in insurance law is necessary to really understand the scope of your agreement.
  • Analyze whether a coverage denial is in bad faith. Insurance carriers must treat their insureds fairly. Florida has prohibited certain practices as “bad faith,” and you might have a legal claim against your insurer.
  • Open negotiations with an insurance carrier. If we disagree with the coverage decision, then we can open negotiations for reconsideration. We’ll present your side of the story, i.e., why you think your loss is covered. These negotiations rely heavily on interpreting contractual language. We also rely on previous case decisions which show how the courts interpret language in insurance policies.
  • Participate in mediation. Sometimes mediation is part of a first-party coverage dispute. We can attend to discuss the dispute with a mediator. Sometimes, this type of non-adversarial process is useful at breaking through disagreements.

A public adjuster cannot perform legal work. They certainly cannot file a lawsuit on your behalf or arbitrate a dispute. Instead, get the legal help you need from a seasoned attorney at Geyer Fuxa Tyler.

Call an Orlando First-Party Coverage Dispute Lawyer

A coverage dispute is a high-stakes legal dispute. If a loss is covered, you can pay to repair or replace damaged property without having to dip into your savings or put expenses on a credit card. But if a claim is denied, then policyholders are left holding the bag. Some might be unable to rebuild and have to move. Contact us to speak with a member of our team about your dispute. We can ask questions and review your insurance contract to gain a better understanding of the dispute with your carrier.

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If you are having difficulty receiving coverage or compensation on your insurance claim, call our office for a free consultation. Several of our attorneys and staff members speak Spanish, and we are always here to serve you.

We take cases on a contingency fee basis, which means that our fees and costs are contingent on achieving a positive result for you. In many cases, however, our fees and expenses are paid mostly or entirely by the insurance company.

By submitting this form I acknowledge that contacting Geyer Fuxa Tyler through this website does not create an attorney-client relationship, and any information I send is not protected by attorney-client privilege.

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