You have paid your insurance month after month, year after year, for as long as you can remember.
You didn’t pay insurance because you wanted to make your insurance company rich.
You paid your insurance so that the insurance company would pay your valid claim.
Unfortunately, insurance companies are known for denying valid claims, many times without explanation. That’s because insurance companies are in the business of making massive profits. And they learned a long time ago that Denying claims increases the bottom line.
Other times insurance companies agree to pay a claim but offer much less then the claim is worth.
For example, damage to your roof may actually require a new roof, but an insurance company may just try to pay for a cement repair. Other times, insurance companies may refuse to pay your medical providers on a valid claim.
The good news is that you can fight back. And you can do so without having to pay an attorney out of your pocket. Here’s how we do it:
1. Review Your Insurance Policy
Insurance claims always come back to the contract you signed with your insurance carrier. Insurance policies spell out what is covered and what is not.
Even if you think your claim is not covered, let us review it first. Sometimes we can find coverage because of an “ambiguity” in the contract.
In Florida, if the “tie goes to the runner”, then you the policyholder are the runner.
Any sloppy contract language can be used by you to get your claim covered.
Next, we need to build your claim. We often use a public adjuster or other professional to go out to your home or business to start gathering evidence.
In some property cases, we will send an engineer out to your house or building to create a report on your loss. In other cases (like business interruption cases), we may use a forensic accountant to figure out your damages.
The good news is that we often front the costs for these experts for your claim. Meaning, nothing comes out of your pocket. If we ultimately succeed on your claim, we will go after the insurance company to pay your costs.
Finally, we will negotiate your claim.
We almost always file a lawsuit at the beginning of your case, but most cases settle before you get to a courtroom.
Remember it is your case, so we need to get a resolution that you agree with.
Frequently Asked Questions – FAQ’S:
My Claim Was Denied! How Can I Win?
A denial of a claim is just the first stage of negotiation! The insurance company is not allowed to take your payments every year and then just deny your claim without a good reason.
We tattle tale on the insurance company to the department of financial regulation and then file a lawsuit for breach of contract.
How Do You Get Paid?
By the insurance companies!
You don’t pay us. We get a good result for you, and then we go after the insurance companies for payment and costs. We take all the risk so you don’t have to.
Florida has a very good law that protects consumers from greedy insurance companies. That law says if we get more than what the insurance company initially offered you, then we can force the insurance company to pay your fees.
That way, you do not have to worry about a portion of your settlement or repair having to go to pay attorneys.
What Type of Insurance Disputes Does Your Firm Handle?
Insurance Dispute Cases We Handle
- Hurricane Claims
- Bad Faith
- Uninsured Motorist Claims
- Lead Pipes
- PIP (Personal Injury Protection)
Contact Denmon Pearlman Insurance Attorneys
Contact us by calling or texting us at 813-365-3512.
We have a free “second look” policy where we will review your insurance claim information and policy and give you honest feedback on what your claim is really worth.
You can chat directly with an insurance attorney with our firm.