Sunrise Insurance Coverage Dispute Lawyer
Each year, insurance companies spend over $6 billion to attract customers who are willing to pay high premiums for the protection offered by an insurance company. They advertise in friendly tones that convey a feeling of friendship and cooperation between the insurer and the policyholder. After policyholders file a claim, though, they are surprised to learn that the insurer has become adversarial towards them. If you are involved in a dispute about the insurance coverage you are entitled to, our Sunrise insurance coverage dispute lawyer can help you resolve it.
Common Insurance Coverage Disputes
There are many different reasons disputes arise between policyholders and insurance companies. The most common of these include:
- The insurance company has denied a claim because it is not covered under the terms of the policy.
- The insurance company and policyholder disagree about the type of medical treatment necessary, or the repairs required in homeowner claims.
- The insurance company may disagree about the amount of compensation being pursued by the policyholder.
Florida Law and Insurance Coverage Disputes
If your insurer is refusing to pay a claim or is engaging in tactics meant to delay paying you compensation, they may be violating state law in Florida. In Florida, insurance companies are prohibited from doing any of the following:
- Make misrepresentations with the intention of getting you to settle your claim for less than what you are entitled to under the terms of the policy
- Changing your insurance policy without your consent or knowledge
- Misrepresenting the terms of your policy as they relate to the coverage you are pursuing in your claim
- Issuing a denial of your claim without conducting a full investigation into the damages or losses
- Failing to inform you if they require additional information for your claim
- Requesting additional documentation or information without explaining the reason for the request
How to Dispute a Decision from Your Insurance Company
If you have received a decision from your insurance company and you believe it is unfair, you can file a complaint with the Florida Department of Financial Services (FDFS). The insurer will be notified of the complaint and they will have 20 days to submit a response to the FDFS. After filing your complaint, the FDFS could make a decision as quickly as within 30 days.
Before submitting an official complaint, it is important to speak to a Sunrise insurance coverage dispute lawyer. An attorney can negotiate with the insurance company or suggest mediation or arbitration to resolve your dispute. These methods are often more effective and affordable than taking the matter to court, although that is necessary in some cases.
Call Our Insurance Coverage Dispute Lawyer in Sunrise for Legal Help
Resolving insurance coverage disputes can be a complicated matter. At Geyer Fuxa Tyler, our Sunrise insurance coverage dispute lawyer can speak with the insurer on your behalf to make the process easier for you and to help you obtain the best possible outcome. Call us today at (954) 990-5251 or fill out our online form to schedule a consultation and to learn more about how we can help.