Did you know that in 2024, after the devastating impacts of two hurricanes that made landfall, insurance providers in Florida denied damage payments to almost 47% of homeowners? Tort reform was introduced in 2022 in the state of Florida to enact new laws governing lawsuits, which made it harder for consumers to sue insurers. Rather than decreasing the number of lawsuits, it has increased due to claims being denied aggressively by insurance companies.
When you rely on insurance to protect against costly damage, claim denial or underpayment leaves you financially exposed instead. If an insurer denies your claim or offers a settlement that is less than what you deserve, you don’t have to accept that outcome. Understanding how to effectively dispute a claim denial or underpayment is essential to protecting your rights and securing the compensation you’re owed. Here are the steps you should take:
- Review your insurance policy thoroughly: It’s important to clearly understand your policy’s coverage language, definitions, exclusions, and obligations. This helps to build a clear argument when disputing a claim denial or underpayment and allows you to cite specific provisions.
- Document all damage and communications: Take detailed photos, videos, and receipts and keep all correspondence with your insurer. A high level of organization and comprehensive documentation can counter common insurer tactics that rely on incomplete or vague records.
- Get your own estimate: If you think that an insurance company has underpaid your claim, contact repair companies or a public adjuster, and get your own estimates. Find out what it will really cost to fix your home.
- Consult with an experienced attorney: A qualified insurance lawyer can negotiate on your behalf, file breach of contract claims, and guide you through your rights.
Disputing an insurance claim denial or underpayment can be complex, but gathering solid evidence, understanding your policy, and taking strategic steps can make a significant difference in the outcome.
Make sure to advocate for the full compensation to which you are entitled and protect both your rights and your value.