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Florida Insurance & Litigation Lawyers / St. Petersburg Insurance Appraisal Dispute Lawyer

St. Petersburg Insurance Appraisal Dispute Lawyer

Property insurance policyholders in St. Petersburg who have made timely premium payments and complied with all requirements of their policy should be able to expect a submitted claim to be paid promptly. Yet much too often, insurance companies deny claims or undervalue damage sustained by policyholders, leading to a dispute between the insured policyholder and the insurance company. When a claim dispute arises, it is important for policyholders to understand their options to resolve the dispute, and to have a clear understanding of steps the insurer can also take to resolve the dispute. One of those possibilities is an insurance appraisal. An attorney at Geyer Fuxa Tyler can tell you more, and we can begin working with you on your claim. Contact our experienced St. Petersburg insurance appraisal dispute lawyer for more information.

What Are Insurance Appraisal Disputes in St. Petersburg?

An insurance appraisal is a process under Florida law for resolving property insurance claim disputes that arise between the policyholder and an insurance company. An insurance appraisal often occurs in first-party claims submitted by the policyholder to their own property insurance company, but there are also some circumstances in which a third-party claimant can also be involved in an insurance appraisal. In order for a party to demand an insurance appraisal, there must be an appraisal clause in the insurance policy.

The process can be requested either by the insured policyholder or by the insurance company. A recent Florida Supreme Court case clarified that insured policyholders can demand an insurance appraisal quite early on into the claim dispute, which may be beneficial for policyholders depending on the circumstances. An insurance appraisal can also be demanded for any property claim dispute, including but not limited to fire claims, wind damage claims, hurricane damage claims, and flood claims.

How Do St. Petersburg Insurance Appraisals Work?

You are likely wondering how the insurance appraisal process works if you are dealing with a claim dispute in St. Petersburg. The process is initiated when one of the parties — the insurance company or the claimant — seeks an insurance appraisal. An insurance appraisal can be sought for any claim dispute, which Florida law defines as “any dispute between an insurer and a policyholder related to a material issue of fact” (with relatively few exceptions).

Once the process begins, each party will individually select an appraiser to reevaluate the claim. Then, the two new and separate appraisals will be considered together. If they do not reach the same conclusion, an umpire will make a final decision. A decision from the Florida Supreme Court makes any appraisal award in the insurance appraisal binding unless there is an exception of “fraud, misfeasance, or where the appraisal panel exceeds its authority.”

Contact the St. Petersburg Insurance Appraisal Dispute Lawyers at Geyer Fuxa Tyler Today

Whether you are dealing with a property claim dispute and want to find out more about demanding an insurance appraisal, or your insurer has already sought an insurance appraisal and you need representation, it is important to seek legal advice from the firm of Geyer Fuxa Tyler. Contact our experienced St. Petersburg insurance appraisal dispute lawyer today for assistance with your property insurance dispute.

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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.

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