Miami Insurance Dispute Attorney
In theory, the purpose of insurance companies is to provide financial support and coverage for people when they need it most (i.e. after suffering some kind of loss). Unfortunately, the reality is that many insurance companies fail to stand by their promises at those times of need. Imagine this scenario: you have been paying insurance premiums for a homeowner’s insurance policy for years or even decades, but when you finally make a claim after a hurricane or other covered loss, the insurance company does not want to pay, and you are stuck footing the bill for massive home repairs. Insurance companies often look for any reason to deny a claim but having an experienced insurance dispute attorney on your side can help tip the balance in your favor.
When an insurance company improperly denies your claim, they have breached their promise to you, their policyholder. A few very common examples of improper bases for denying claims include:
- Failing to conduct a fair and timely investigation into a claim
- Unreasonably delaying the payment of benefit
- Failing to provide contracted-for coverage
- Unreasonably refusing to settle a claim within an insurance policy’s limits
Thus, if your insurance company is engaging in any of these behaviors, they may be in breach of their obligations to you under the terms of your insurance policy and under Florida law. The law requires that insurance companies operate in “good faith,” which means they must analyze and handle claims in an honest and fair manner. If your insurance claim is failing to live up to their promises to you, our experienced insurance dispute team can assist you.
If you have suffered a loss and are considering filing an insurance claim, or if you have already filed a claim but been denied or been treated unfairly by your insurer, contact us immediately a Miami insurance dispute attorney can assist you. Most insurance contracts require that you act diligently to ensure coverage, and our insurance dispute team can step in and immediately help you setup a claim or take over the claims handling with your insurer. Call and schedule your consultation today at 305-908-6778. We are available 24/7 whenever you need us.
How insurance claims are supposed to work
Whenever a policyholder files a claim on his/her insurance policy, the insurer will typically send a claims adjuster to investigate the claim. During the investigation process, the adjuster will look for any reason on the policy holder’s part that would justify denying the claim. In the event that the policy doesn’t cover an accident or only covers it partially, the adjuster may try to offer only a partial payment to satisfy the claim.
Policyholders and claims adjusters often disagree on the worth of a claim. If the insurance company refuses to pay the full value of the claim in an attempt to “low ball” the policyholder into a settlement, this could be a breach of their obligations to you as their insured. At that point, you should carefully consider hiring a reliable insurance dispute attorney to represent you. Miami insurance dispute attorney Mike Redondo has years of experience fighting with insurance companies and knows the strategies and tactics they employ to try and improperly deny or underpay claims. Let us help you in your time of need and hold the insurance companies accountable to their promises. Call and schedule your consultation today at 305-908-6778. We are available 24/7 whenever you need us.
Who is in your corner?
Whether it is negotiating with an insurance company, the party responsible for your injury, or taking your case to trial, I stand ready to effectively advocate on your behalf to make sure you receive the justice you deserve.