My Hurricane Damage Claim Was Denied—Do I Have Grounds for a Lawsuit?

Hurricane Irma has caused historical destruction in all of Florida’s 67 counties. With 124 mph winds, torrential floods, and reported tornados, millions of properties have been damaged and countless victims have been left wondering how they will piece their lives back together.

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If your home was damaged by Hurricane Irma, you probably expect your homeowners’ insurance policy to help you cover the restoration costs. Unfortunately, there are dozens of reasons why your insurance company might deny your claim. If your insurer improperly denies your claim, you may have grounds to file a lawsuit to force your insurance company to pay your claim.

If your insurance company fails to properly adjust your claim or engages in certain inappropriate conduct, you may also have grounds to file an insurance bad faith lawsuit. Insurance bad faith is a type of tort claim that a policyholder files against an insurance company due to certain illegal or unethical practices. Insurance bad faith law is complicated and requires an experienced insurance attorney to carefully evaluate your case to determine whether such an action is appropriate in Florida.

If you would like to discuss your case with an insurance claims attorney in Fort Lauderdale, contact Leader & Leader P.A. The attorneys at Leader and Leader, P.A. understand the tactics that insurance companies use to undervalue and deny claims. They will examine your policy and help enforce your rights. Call 954-523-2020 today to schedule a free initial consultation.

Common Examples of Insurance Bad Faith

The practices that constitute insurance bad faith are referenced in Section 624.155 of the Florida Statutes. Those practices include:

  • Denying claims without conducting reasonable investigations based upon available information;
  • Failing to pay undisputed amounts of partial or full benefits owed under first-party property insurance policy;
  • Failing to adopt and implement standards for the proper investigation of claims;
  • Misrepresenting pertinent facts or insurance policy provisions relating to coverages at issue;
  • Failing to acknowledge and act promptly upon communications with respect to claims.

Was Your Hurricane Damage Claim Denied?

If your homeowners’ insurance claim was denied, you don’t have to accept your insurance company’s decision. Contact our office to discuss your case. Call 954-523-2020 to schedule a free consultation with an insurance attorney in Fort Lauderdale.

Michael D. Leader and Scott Zucker are insurance lawyers in Fort Lauderdale who will evaluate your case and determine if you have grounds for a lawsuit. Call 954-523-2020 today to schedule a free initial consultation.

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