Common Insurance Application Issues
Jacksonville Attorneys: Insurance Application Issues
Many people underestimate the importance of completing insurance applications correctly. Misstatements, omissions, errors and other deficiencies — even if unintentional — can have grave consequences if coverage under the policy should ever be necessary.
If questions about your insurance application arise after you make a claim, the insurance law attorneys at Tyler & Hamilton, P.A., encourage you to discuss those concerns with them. If you suspect an insurance claim is being further investigated, act quickly to preserve your right to recovery under the policy.
Contact a knowledgeable Jacksonville insurance lawyer who can advise you of your rights, assess the situation, explain your options and represent your interests if the insurance claim is questioned or denied.
Insurance Application Misrepresentations and Mistakes
At Tyler & Hamilton, our partners Ty Tyler and Clark Hamilton have more than 50 years of combined legal experience. They have the experience, knowledge of the law and resources to handle insurance dispute litigation and to address common insurance issues faced by insureds in Florida. Our law firm handles insurance application issues in claims involving:
Florida Lawyers — Denied Insurance Claims — Application Issues
Under Florida law, an insurance carrier may deny an insurance claim for a mistake or misrepresentation, even if the mistake or misrepresentation was innocent, if the insurance company would not have in good faith issued insurance coverage had they known the correct information. This law provides a broad basis for insurance companies to deny claims. However, an experienced insurance law attorney can evaluate your situation and determine whether certain exceptions may apply.
- Is the insurance company asking you about the insurance application or asking you to make a sworn statement?
- Were factual errors regarding prior losses, bankruptcies, foreclosures, arrests convictions, or other personal information included or omitted in your insurance application?
- Did vague questions in your insurance application result in unintentional mistakes?
- Was the alleged mistake material to the coverage issued?
- Is there concern of agent misconduct?
At Tyler & Hamilton, we understand insurance applications are often vague. This makes it possible for applicants to make mistakes and for insurance companies to provide coverage that will be contested later. If you are being questioned about your life insurance, homeowner's insurance or other insurance application, talk with a skilled insurance claim lawyer immediately. The sooner you involve an experienced lawyer, the better your chances are in overcoming the insurance company's attempts to defeat your claim.
Application issues are extremely serious because Florida law is favorable to insurance companies on this issue. Anyone who believes an application issue is or may be present should immediately contact experienced insurance law attorneys.
Contact our insurance dispute law firm to discuss your concerns with a knowledgeable, reputable Jacksonville insurance law attorney. Call our local office at 904.398.9999, or toll-free throughout Florida at 1.800.344.1122.