St. Petersburg First-Party Coverage Dispute Lawyer
Did your insurance company recently deny a claim you submitted? When you enter into a contract with an insurance company that involves you paying a premium and providing notice in advance of filing a claim, and you comply with your obligations in the contract, you should be able to expect that the insurer will comply with theirs. An attorney can help you to fight for your coverage and to ensure the insurance company upholds their end of the agreement. Contact our experienced St. Petersburg first-party coverage dispute lawyer for more information.
Understanding First-Party Coverage in St. Petersburg
How can you know if your dispute with an insurance company in St. Petersburg is a first-party coverage dispute or a different kind of coverage dispute? It is important to understand what is meant by a first-party claim.
When dealing with St. Petersburg insurance companies, a person is typically dealing either with their own insurance company, or with another party’s insurance company. With their own insurance company, this is a company with whom they have an insurance agreement and to whom the person has been paying premiums. A claim filed through this kind of insurer — the party’s own insurer with whom they have an insurance agreement — is a first-party claim. Differently, third-party claims in Florida refer to claims filed through another party’s insurance policy, usually a liability claim.
Common St. Petersburg First-Party Coverage Disputes
First-party property claims in St. Petersburg are the most common type of first-party claim in which a coverage dispute will arise. They occur frequently during hurricane season and after major storms that hit the area. First-party coverage disputes can occur for various reasons, but they all involve a dispute between the insurance company and the insured (the party paying the premium to the insurance company). Common types of first-party coverage disputes in St. Petersburg include but are not limited to:
- Insurance company denies all coverage by claiming insured’s policy lapsed or was canceled;
- Insurance company denies all coverage by claiming the damage is not covered in the policy; or
- Insurance company partially denies coverage, claiming some of the damage is not covered in the policy.
How Can a Lawyer Help with My St. Petersburg First-Party Coverage Dispute?
Negotiating with an insurance company can be tricky and complicated, and many policyholders make the mistake of thinking that their insurance company is on their side. Just because you have an insurance agreement with an insurer does not mean that the insurer is thinking about your best interests. In fact, the opposite is true. It is important to remember that insurance companies will be thinking about their bottom line and avoid paying claims when legally possible. An experienced St. Petersburg insurance litigation attorney can address unfair or fraudulent denials with your insurer and can seek the coverage you are entitled to receive.
Contact the St. Petersburg First-Party Coverage Dispute Lawyers at Geyer Fuxa Tyler Today
Do not hesitate to get legal advice from Geyer Fuxa Tyler if you are facing a coverage dispute involving your own insurance company. Contact our experienced St. Petersburg first-party coverage dispute lawyer for help with your claim.