Florida is a state susceptible to hurricane harm on a yearly foundation due to its proximity to the Gulf of Mexico, Atlantic Ocean and the Caribbean Ocean, together with the hurricanes and tropical storms that often kind in these our bodies of water. Due to this, Florida has a few of the highest insurance coverage claims within the nation.When an individual insures their residence and different private property, they have a tendency to imagine that since they’ve paid faithfully, their insurance coverage declare will likely be honored with none issues. Nonetheless, some insurance coverage corporations don’t all the time act in good religion and can make an already disturbing scenario extra sophisticated by unfair insurance coverage practices.What’s Dangerous Religion?After submitting your Florida insurance coverage declare, your insurer could let you know that your coverage is ambiguous or open to having a number of attainable meanings, or that the coverage doesn’t cowl the kind of property for which you might be submitting a declare. One more reason your declare could also be denied is as a result of the insurance coverage firm could declare that the property was not broken, the harm resulted from the negligence of the proprietor or the harm resulted from one more reason not lined by the insurance coverage coverage.Insurance coverage corporations are required to behave in good religion and in a well timed method throughout this course of. Sadly, at occasions, an insurer will delay the cost or decision of a declare and even violate Florida state legal guidelines. When this occurs they’re appearing in unhealthy religion.Some kinds of unhealthy religion an insurer may interact in can embrace unfair settlement declare practices or a refusal to insure for discriminatory causes.Unfair declare settlement practices can imply that an insurance coverage firm is:•Failing to undertake or implement requirements for the right investigation of claims,
•Misrepresenting details or insurance coverage coverage provisions,
•Denying claims with out conducting an affordable investigation,
•Failing to correctly clarify coverage info, or
•Failing to pay any undisputed quantities of full or partial advantages in a immediate or well timed method.It’s unlawful for an insurer to refuse to insure and particular person primarily based on their race, coloration, creed, marital standing, intercourse or nationality. Moreover, an insurer can not deny a person primarily based on the place they reside, their age or the place they work.There are a number of legal guidelines throughout the Florida Revised Statutes that relate to unhealthy religion insurance coverage claims and unlawful enterprise practices.The primary statutes relating to unhealthy religion embrace:Florida Statute § 626.9541(1)(i) – Partaking in unfair declare settlement practices;Fla. Stat. § 626.9541(1)(o) – Unlawful dealings in premiums;Fla. Stat. § 626.9541(1)(x) – Refusal to insure for discriminatory causes;Fla. Stat. § 626.9551 – Necessities to have a sure agent or insurer not permitted;Fla. Stat. § 627.7283 – Return of premium for cancelled insurance coverage insurance policies required.What must you do in case your insurance coverage firm denies your declare?In the event you consider that your insurance coverage firm is appearing in unhealthy religion with regard to an insurance coverage coverage declare, step one many take is contacting a educated insurance coverage legal professional. An insurance coverage legal professional may help you resolve the right steps to take when coping with an insurance coverage firm appearing in unhealthy religion.Your insurance coverage legal professional could recommend that you simply file a civil go well with towards your insurer for damages. Whenever you file a go well with for damages you might be able to obtain the total advantages of your coverage, courtroom prices and legal professional charges.With succesful authorized counsel and a agency understanding of how your insurance coverage firm is required, by regulation, to behave, the property harm claims course of in Florida will likely be a lot simpler to deal with, rising your probabilities of a positive and truthful final result.
