An insurance claim arises when an insurance company wrongfully denies coverage to a claim submitted by its insured. These are also known as first party insurance claims. Payment may be denied due to negligent, bad faith or fraudulent practices and may include not only cases were coverage has been denied altogether, but cases were the amounts paid were incorrect under the provisions of the policies. This is when an experienced consumer insurance claims attorney comes in handy.

An insurance company that wrongfully denies a claim is breaching its contractual obligation. Please note that Florida law provides for 5 years from the moment the damage occurred (not from the moment your insurance carrier breached the contract) to file a claim for breach of contract against your insurance carrier.

It is also important to remember that the statute of limitations (statute that establishes the time a claimant has to file a claim) for damages in Florida is 5 years, except for damages caused by windstorms or hurricanes, which has recently been reduced to 3 years. It is important to observe this statutory time frame because once it lapses, you lose your right to file a claim.

Miami Insurance Claims Lawyer

There are many different kinds of insurance policies. These are complex contracts often containing technical terms with which an ordinary person is not familiar. Given the number of conditions typically contained in an insurance policy, insurance companies will try to invoke many different “excuses” or “legal reasons” for denying a claim. More importantly, insurance companies will have very experienced attorneys to help them deny payment on your claim. This is why it is so important to have an experienced insurance claims lawyer by your side to help you navigate through the maze of documents and procedures you will face when filing a claim. It is best to involve an insurance claims attorney as soon as a loss occurs to make sure everything is done properly and to your benefit.

Whether your insurance company has denied payment on a homeowners insurance claim, a claim related to a car accident or a life insurance claim, Greenberg, Stone & Urbano, P.A. can assist you in the recovery of the compensation you may be entitled to. Our Miami insurance claims lawyers have more than 100 years of combined experience helping clients deal with bad faith claims related to property insurance claims.

The links below take you to pages where we offer valuable information regarding the types of insurance claims we can help you with, as well as some of the most common reasons that insurance companies use to avoid paying those claims.