If your insurance company is purposely putting off their investigation into your claim, intentionally undervaluing your case, or otherwise acting unethically, you have legal rights under Florida law.
Your insurance company is required to treat you fairly and honestly. If your insurer is stalling your settlement payment, you may have the basis for a bad faith lawsuit. Review the communications and negotiations between yourself and your insurance company with a Naples property claim lawyer. To learn more about your legal options, call the Law Offices of Anidjar & Levine today3.
A Naples Bad Faith Lawyer is Your Advocate
In Florida, your insurance company has specific responsibilities to you and other policyholders. Adhering to those standards means they are acting reasonably and in good faith.
According to the 2019 Florida Statutes, your insurance company might be acting in bad faith by:
- Refusing to settle your valid claim
- Not working in your best interest
- Not providing an explanation for your settlement or denial
- Not promptly settling your case
- Intentionally misrepresenting your policy
If your insurance company commits any of these violations, you may have the basis for legal action. By doing this, you can hold your insurer financially responsible for their unprofessional actions. Contact a Naples personal injury lawyer at the Law Offices of Anidjar & Levine by calling us today.
Your Insurance Company Must Take Specific Steps
When fire, wind, flooding, or other weather-related damage occurs to your property, you have certain rights if the losses are explicitly covered in your contract. By paying your premiums, you are entitled to certain protections.
Florida’s Homeowner Claims Bill of Rights demands the following actions from your insurance company:
- Acknowledgment of your claim in 14 days or less
- Notification of the approval or denial of your losses within 30 days
- Either full or partial payment of your case, or a denial within 90 days
Florida’s Department of Financial Services offers mediation and neutral evaluation in cases of insurance claim disputes. The Division of Consumer Services mandates that your insurer is required to attend a mediation at your request if you cannot reach a settlement agreement. Speak to a Naples bad faith lawyer immediately if your insurer is not taking these necessary steps.
You Are Entitled to Good Faith Actions from Your Insurer
By law, your insurance company must act appropriately when settling your claim for covered losses. When you work with a Naples bad faith lawyer, they will first file a grievance against your insurance company to notify them of pending legal proceedings. The Florida Senate notes that your insurer has 60 days to either pay your damages or correct the violations that led to your insurance bad faith complaint.
You may benefit from the knowledge and resources of a lawyer when approaching your insurance company about your claim. You do not have to fight the insurance company by yourself. Call the Law Offices of Anidjar & Levine to learn more about your legal rights.
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