When Insurers Don’t Play Fair: Bad Faith Insurance Claim Attorney Team In Florida
Insurance is supposed to offer peace of mind. You pay your premiums with the expectation that your insurance will come through for you when you need it most. But what happens when your insurance company doesn’t hold up its end of the bargain? When they deny, delay or underpay your claim without a valid reason, you may be dealing with insurance bad faith. You have legal rights, and we can help you uphold them.
Our Tampa-based team of award-winning lawyers at Stockham Law Group, P.A., help policyholders across Florida stand up to powerful insurance companies. We have extensive experience holding insurers accountable for unfair claims practices, delays and wrongful denials. If you suspect your insurer is acting in bad faith, you can turn to us for guidance on whether you have a claim. We handle bad faith claims involving all types of insurance for both individual and business policyholders, including homeowners, commercial, renters and business interruption insurance.
What Is A Bad Faith Insurance Claim?
Insurance companies have a legal obligation to act in good faith when handling claims. This means they must investigate claims promptly, communicate clearly, uphold policy terms and pay valid claims without unnecessary delay. When they fail to do so, they may be violating the insurance company’s duty of good faith.
Examples of bad faith conduct include:
- Unreasonable claim denial without proper investigation
- Insurance settlement delays without justification
- Misrepresenting policy terms or coverage
- Failing to respond to communications or provide explanations
- Offering significantly less than a claim is worth
- Insurance investigation failures or biased assessments
These actions can give rise to a first-party bad faith claim (when your own insurer mistreats you).
How Do You Pursue An Insurance Bad Faith Claim?
The legal framework for bad faith insurance claims is outlined in the Florida bad faith statute. This law allows policyholders to sue insurers for acting unfairly or dishonestly in handling claims.
Before filing a lawsuit, policyholders must submit a civil remedy notice to the Florida Department of Financial Services. This notice gives the insurer 60 days to correct the issue. If they fail to do so, you may proceed with an insurance bad faith lawsuit after you win at trial on the underlying contractual claim and after you win on all appeals.
Our attorneys are well-versed in the civil remedy notice requirements and how to build a strong case under Florida law. We also understand how to pursue bad faith statutory penalties and punitive damages for insurance bad faith when warranted.
How Our Bad Faith Insurance Claim Attorney Team Helps Policyholders Fight Back
We have built a reputation for aggressive, results-driven representation in claim denial litigation and policy coverage disputes. Our team includes experienced advocates who know how to uncover insurance company misconduct and prove insurance company liability.
We understand the claim handling standards in Florida and how to demonstrate when those standards have been violated. Whether your claim was denied outright or delayed without cause, we can help you pursue the compensation you deserve.
Don’t Let Your Insurer Get Away With Bad Faith
If your insurance company has delayed, denied or underpaid your claim without reasonable cause, you can take action to hold them accountable. Contact our bad faith insurance claim attorney team today. Call 844-957-1486 to learn more about how we can help you pursue justice.