If an insurance company denies your claim, obtain the denial in writing, request the complete policy and endorsements, identify the exact reason for denial, preserve all evidence, and respond before any contractual or statutory deadline expires. Options may include reconsideration, internal appeal, DFS complaint, mediation, appraisal, arbitration, presuit notice, or litigation. A wrongful denial is not automatically insurance bad faith.
Key Takeaways
- A denial should be compared with the actual policy language.
- The insurer's stated reason may be challenged with additional evidence or a different policy interpretation.
- Reporting the dispute to a regulator does not necessarily preserve a lawsuit deadline.
- Florida provides mediation options for certain property and automobile claim disputes.
- Property insurance litigation may require a presuit notice.
- A wrongful denial is not automatically insurance bad faith.
- Keep all communications and submit important responses in writing.
This article provides general information and is not legal advice. Insurance dispute rights and timelines depend on the policy, endorsements, claim type, evidence, procedural requirements, and applicable Florida or federal law. Reading this article does not create an attorney-client relationship.
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