Insurance Claim Denial

When your home is damaged in a tropical storm or you are sued after the family dog attacks a neighbor, your homeowner’s insurance is designed to protect you from financial loss from damage to your home or a liability claim. If your homeowner’s insurance company does not fulfill its policy obligations by tendering a defense, indemnifying you against a lawsuit, or covering repairs to your home and personal property, your family could face financial disaster. We invite you to call the Miami insurance claim attorneys at Greenberg, Stone & Urbano to arrange your free consultation.

If your insurer denies you benefits under your long-term disability coverage or fails to pay your spouse and/or children as beneficiaries of your life insurance policy, careful financial planning intended to protect your loved ones can be rendered ineffective. Many policyholders assume that their insurer will stand behind their customers only to have this assumption dispelled when disaster strikes. The function of insurance is to provide financial security against unanticipated loss, but the insurance industry did not become a billion dollar industry by paying all policyholders the full value of their loss. Insurance companies can maximize profits by denying, delaying and lowballing claims.

Our Florida bad faith insurance attorneys at Greenberg, Stone & Urbano are familiar with the tactics and defenses that insurance companies use to deny claims or to mitigate the value of benefits paid to policyholders. Insurers will exploit deadlines, conditions required prior to payment, inaccuracies in the application, biased adjusters and/or experts, and complex policy exclusions. Insurance carriers recognize they have a distinct advantage when dealing with policyholders without legal representation because delays generated by duplicative requests for documents and information or abusive litigation tactics create financial pressure on policyholders. As the saying goes, “time is money.” While the passage of time without recouping lost household income or funds to repair your home can force you to settle for less than the actual value of your claim.

South Florida Lawyers With Over a Century of Collective Experience

Our experienced Miami-based AV-rated* attorneys at Greenberg, Stone & Urbano handle insurance claims disputes on a contingency fee basis. This means that our clients are sparred the hardship of advancing the costs and expenses associated with litigation. Further, our lawyers do not collect attorney fees unless and until you recover from your insurance company. Our acclaimed team of attorneys has been recognized with a listing on “Superlawyers,” which bestows this distinction on only 5 percent of lawyers in any state.

Pursuing Breach of Contract and Bad Faith Claims Against Insurance Carriers

Our Miami insurance claim lawyers at Greenburg, Stone & Urbano have successfully represented policyholders in many types of insurance claims disputes. When insurers fail to provide benefits as promised and/or engage in bad faith practices in adjusting, investigating, communicating, or paying a claim, our law firm works aggressively to obtain the benefits our policyholders are entitled to under their policy. Whether we are aggressively negotiating with the insurer, pursuing alternate dispute resolution remedies, such as the appraisal process, or filing a lawsuit, our South Florida law firm pursues efficient and effective strategies when fighting insurance carriers who wrongfully deny, unjustifiably delay, or lowball claims. Our experience and expertise in representing policyholders in a multitude of coverage disputes means that we can recognize the right forum, and litigation strategy. We represent policyholders with many types of coverage, such as:

  • Life Insurance
  • Long-Term Disability Insurance
  • Commercial Insurance
  • Property Insurance
  • Long-Term Care Insurance

If your insurance company refuses to pay policy benefits after an injury, illness, residential fire, or death of a family member, we invite you to call Greenberg, Stone & Urbano to arrange your free consultation. One of our skilled and experienced lawyers will review an insured’s correspondence, insurance policy, and other relevant information to pursue the best outcome for our clients. Call us today at (888) 499-9700 or (305) 592-2400.