Bad Faith Attorney Florida
Your Advocate Against Unfair Insurance Practices
When you're faced with a denied, delayed, or unfairly handled insurance claim, you might be experiencing the effects of an insurer's bad faith. Florida law mandates that insurance companies must treat their policyholders with honesty and fairness. If they fail to do so, they are not just breaking trust; they are breaking the law.
At Fauntleroy & Satmary, P.A., we are dedicated to holding insurance companies across Florida accountable for such bad-faith practices. We stand firm in ensuring that our clients receive the compensation they rightfully deserve for the damages caused by these unethical actions.
Florida's Bad Faith Insurance Law Explained
In Florida, policyholders are armed with the legal right to challenge insurers who act in bad faith. The state's statutes define specific actions that constitute bad faith, which include:
- Failure to conduct a proper investigation of claims.
- Misrepresentation of policy provisions relating to coverage.
- Denying claims without conducting reasonable investigations.
- Delaying the provision of a clear and justified reason for claim denial.
Additional practices such as failing to make a good faith effort to settle claims, issuing payments without specifying coverage details, and dragging out clear settlement obligations can also be categorized under bad faith.
The Process for Pursuing a Bad Faith Claim
Navigating a bad faith insurance claim in Florida can be complex. It requires you to formally notify both the Department of Financial Services and your insurance carrier about the violation, via a Civil Remedy Notice (CRN). This notice must outline the details of the violation, referencing specific statutes and policy language. Insurers are then given a 60-day period to address the violation.
Due to the intricate nature of these proceedings, many policyholders find it overwhelming to proceed without professional assistance. That’s why engaging with the seasoned attorneys at Fauntleroy & Satmary is crucial. Our team, equipped with extensive experience in insurance litigation, prepares and presents robust claims of insurance bad faith, ensuring compliance with the law and securing comprehensive compensation for your damages.
Unique Challenges with Citizens Property Insurance
For those insured under Citizens Property Insurance Corporation, a special set of challenges exists due to its quasi-government status. While generally immune from lawsuits, exceptions exist for willful torts or contract breaches. Following a landmark 2015 decision by the Florida Supreme Court, policyholders face limitations in filing first-party bad faith claims against Citizens. Nevertheless, we at Fauntleroy & Satmary are adept at finding viable solutions and navigating these unique legal waters to advocate on your behalf.
Choose Fauntleroy & Satmary as Your Trusted Partner
Choosing Fauntleroy & Satmary means entrusting your claim to a team that not only understands the complexities of insurance law but also passionately defends your rights against unfair insurer practices. If your insurer has acted in bad faith by denying or undermining your claim, it’s time to take action.
Contact Us
We serve clients across Florida, ensuring they don't have to fight alone against big insurance companies. Contact us online or call 813-320-0550 today to schedule your free consultation. At Fauntleroy & Satmary, we fight to win, and we only get paid if you do. Let us help you secure the justice and compensation you deserve.