Florida Insurance Company Refusal To Pay

In some instances an insurance company will refuse to pay a claim submitted by its policyholder. There are various reasons an insurer will refuse to pay, not all of them legitimate. Insurance is a big business with a strong profit motive and a company may go to extreme lengths to avoid paying a claim. Because of the complexity of insurance policies and the language used in the policies, the assistance of an attorney is strongly advised in cases of refusal to pay. Just because an insurer has said you have no coverage or your damages do not cover the deductible does not mean the insurer is correct, so don’t just take their word for it. Resolution of these disputes is complicated and can depend on the wording of the insurance policy, the particular facts of the incident and the applicable state law. The hiring of an experienced insurance litigation attorney can save you thousands of dollars.

What Can I Do if My Insurance Company Refuses to Pay My Claim? Do I Have Any Rights?

When an insurer refuses to pay a legitimate claim, delays the payment or pays less than the full value of the claim, it is a breach of contract by the insurer. In some cases, when the insurer has no legitimate reason for its actions and it simply is acting in its own best interest, not that of the insured, the insurer is deemed to be acting in what is known as bad faith. In Florida, you can sue your insurance company for breach of contract, and if the claim is properly preserved and the insurer has acted improperly, after you prevail in the contractual action, you can sue your insurer for bad faith. Recovery is usually available against your insurer for the damages arising from the insured event including out-of-pocket expenses and attorney's fees.

Is It Going To Be Really Expensive to Hire an Attorney?

NO! The Wells Law Group works on a contingency basis, meaning we advance the costs of investigating the case and bringing the case to a conclusion, be it in court or by settlement, and you only pay us a fee and repay our advanced costs from the amount we recover for you. No recovery, no fee.

Contact us today for a free case review. We cover most areas of Florida including the counties of Pinellas, Alachua, Duval, St. Johns, Flagler, Escambia, Bay, Martin, Leon, Orange, Volusia, Brevard, Hillsborough, Polk, Pasco, Palm Beach and Broward. See Service Areas for complete coverage.