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.
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.
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.
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.
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.
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.
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.
There's a term that you may hear thrown around in professional circles in Jacksonville: "bad faith." Typically, it is meant to describe the disingenuous actions of a party in reference to a deal or negotiation, yet its application can be different depending upon the context that it refers to. For example, insurance bad faith is a problem sometimes encountered by policyholders when trying to get claims resolved. Yet to recognize when it might be happening in your particular case, you first need to understand what it is.
Insurance bad faith is a legal claim practiced in the United States, and describes a tort claim a person can have against an insurance company for bad or unfair acts. In Florida, this law allows an individual to recover damages from insurers for various reasons. Typically, this type of law helps settle a claim in good faith that the insurer should have initially carried out.
Each year, peoples' homes are destroyed for a wide variety of reasons. Sometimes, this destruction is a result of natural disasters, such as a tornado, hurricane, flood or lightning strike. In other cases, homes become damaged due to vandalism, arson or burglary. Regardless of the reason why your home becomes damaged, you should make sure that you gain access to any benefits you are entitled to if you have found yourself in this position. At Tyler & Hamilton, P.A., our law firm knows how difficult these problems can be for people who live in Jacksonville, and in other parts of Florida.