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Posts tagged "Insurance Bad Faith"

How do I prove storm damages to an insurer?

Many Florida homeowners understand that their lives could be upended by the arrival of a hurricane, most notably by the damage inflicted on their homes by the storm. But sometimes an insurance company does not want to pay the full amount to cover home repairs and may attempt to lowball a client with a lesser amount. That is why you should be ready to provide your insurer with documentation that proves your claims are valid.

What constitutes insurance bad faith?

If you are like most Floridians, you likely have several insurance policies, such as for your car, your home, etc. Naturally you expect your insurance carrier(s) to pay you up to your policy limits if you make a claim. You likewise expect your carrier(s) to defend you if someone sues you and to pay the person if (s)he wins the lawsuit, again up to the limits of your policy.

What are some examples of insurance bad faith?

While you would expect your insurance company to be there for you after an accident or injury, this isn’t always the case. In fact, some insurance companies in Florida will deny valid claims made by the insured with absolutely no legitimate reason for doing so. HG.org offers the following examples of bad faith insurance practices, which will help you identify any issues when making a claim to your insurance company.

What are some signs of a bad insurance company?

You expect an insurance provider in Jacksonville to provide with qualified assistance, whether you’re filing a claim or simply asking a question. However, this isn’t always the case. The fact remains that there are some unscrupulous insurance agents out there and getting involved with one can cost you quite a bit of money. That’s why The Balance offers the following advice, which will help you get the coverage you need.

What it means if you live in a wind pool area

Having a house on the Florida shore is a dream come true for many residents. Properties at or near the beach can command top dollar. If you are like most homeowners, you want to protect your investment by purchasing the right insurance. At Tyler & Hamilton, P.A., our team has experience representing policyholders when they are denied insurance claims.

Is water damage covered by home insurance?

If your Florida home sustains water damage, you want to rest assured that your insurance company will help cover the cost. However, conventional home insurance policies do have some limitations, and it’s important that consumers are aware of what is and is not covered when making a claim. Esurance.com explains how water damage is typically addressed by insurance companies so you can determine whether you’re being treated fairly.

The importance of having someone in your corner

You should not assume that any insurance companies in Florida are in the business of handing out money, even if they are ethical organizations that care deeply about the losses of their policyholders. However, if your insurer were to make a decision that you believe was based on something other than a responsible assessment of your situation and a dutiful interpretation of the terms of your policy, then you might choose to enter into negotiations. At Tyler & Hamilton, P.A., we are proud to advocate for our clients' rights, even if our opponents happen to be large insurance providers with accomplished legal teams.

I have hurricane damage and need to file a claim. Now what?

Once you have gotten to the other side of a Florida hurricane, you can breathe a sigh of relief and take inventory of your property and home. Unfortunately, coming across damage can bring the tension right back as you prepare for the next storm: dealing with a hurricane insurance claim.

Identifying unreasonable delays

When it comes to dealing with insurance companies, what people in Jacksonville may tend to dread most is the waiting game. They have to wait to learn if their expenses have been covered or denied, and then wait to hear about the results of any follow-up action that is required. The main reason behind their worry is they know that every day that passes without a resolution to their claim, the filing deadlines that their insurers pose creep closer. What they may not know is that insurers actually use this as a tactic to facilitate claim denials

Understanding insurance settlement guidelines

One of the more common forms of insurance bad faith dealings is discounting. This occurs when your insurer tries to pressure you into accepting a settlement amount that is perceived to be far less than what you are actually owed (or what you understand you should be paid per the details of your policy). The most common complaint that we here at Tyler & Hamilton, P.A. hear from clients when it comes to dealing with insurance companies is that their lack of knowledge makes the vulnerable to abuse. Thus, understanding how insurance adjustors arrive at a settlement amount may help you determine if you are being taken advantage of. 

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