Miami Insurance Claim Attorneys

Insurance is a huge part of our lives today. It protects us when we suffer damage or loss to our homes, businesses, automobiles, and even our health. When a loss occurs and we have to turn to our insurance company to pay, how we make a claim will determine whether or not we get paid and how much. In order to make a successful claim you should follow some important guidelines that apply.

Common claim denials are due to material representation, canceled policies, theft, and financial hardship. The good news is that Florida law gives people with insurance very clear rights. One is the right to make an insurance company pay your costs and attorney’s fees if it wrongly denies your claim. This means insurance lawyers can take your case and only be paid if they collect money for you.

At the Law Offices of Jose M. Francisco you do not pay anything unless we receive compensation for you.

Automobile Insurance Claims

If you have been involved in a car accident and suffered an injury, you must submit a claim to your insurance company regardless of fault.  If your accident simply involves property damage you can file a claim with the at-fault driver’s insurance company.  When you file a claim with an at-fault driver’s policy, you will not have to pay a deductible. If the other driver does not have insurance, you may have to file a claim with your own insurance company. If you do, you will have to pay a deductible. In most cases, people are able to handle property damage claims on their own. However, if the insurance company is dragging your claim or denies it, getting legal help may help you to recover compensation for your losses.

Health Insurance Claims

Most people are unable to afford to pay out of pocket for their health care needs. This makes health insurance important. Whether you purchase health insurance privately or through your employer, you might assume that your medical bills will be covered when you need medical care. If your insurance company denies your medical claim, you can be left facing huge medical bills. Medical debt can force people into bankruptcy. In some cases, people may struggle with overwhelming debt for health care services that should have been covered by their health insurance.

Your health insurance policy may be complex and difficult to understand. If you purchased your insurance through your employer, you may not have read the policy. The terms and conditions in your policy will affect your benefits. Our attorneys understand how the terms and conditions of health insurance policies should be applied. If your insurance company denies your health insurance claim, we can review your policy to determine possible ways to get your insurance company to cover your costs.

Disputes with health insurance companies typically arise when people need long-term care, transplants, surgery, or other expensive treatments. Our attorneys are experienced in helping people who need to undergo complex medical procedures and can advocate for you with your health insurance company.

Boat Insurance Claims

Boat insurance policies in Florida are common, and they can offer good protection to you against damage to your boat if an accident occurs. Unfortunately, some insurance companies deny valid boat insurance claims in an attempt to avoid paying what they owe. When you file a boat insurance claim, your company may argue that the damage is excluded under your policy. Our attorneys are dedicated to helping our boat and yacht owners to recover damages from insurance companies that wrongfully deny their claims for damage to their vessels.

Boat insurance claims may be complex, making it important for you to talk to an experienced lawyer prior to filing the claim to make certain that you present it properly. If you file your claim in the wrong way, your claim may be underpaid or denied. If your boat insurance claim was denied or underpaid, our attorneys may be able to help you to recover the money that you are rightfully entitled to receive. We can review your policy and the type of damage that your boat sustained to determine whether the insurance company should cover it.

Life Insurance Claims

When your loved one dies, the experience can be emotionally devastating and confusing. While you are grieving, you are unlikely to immediately think about your finances. Many people have life insurance policies in place to provide financial support for the people who are left behind when they die. If you are the beneficiary of your loved one’s life insurance policy, it is important for you to get help from an experienced life insurance attorney for help with your claim. There are requirements for how to submit a claim for life insurance benefits, and our lawyers can help you to make certain that you file your claim correctly.

Some insurance companies will try to find reasons to deny life insurance claims. They might claim that your loved one missed a premium payment or might make fraud accusations. There are many excuses that insurance companies might raise to deny your claim. Getting help from our experienced insurance claim lawyers might help you to recover the benefits to which you are entitled under your loved one’s life insurance policy.

Business Insurance Claims

Florida businesses rely on their business insurance to protect them in the event of fires, thefts, hurricanes, floods, and injuries. When a business has suffered damage, the owner may rely on the insurance policy to pay the claim quickly so that the business can continue operating. When insurance companies deny business insurance claims, the denials can cause substantial damage to the businesses and may force some to close their doors.

If your business has suffered a loss, it is important for you to get legal help from an experienced insurance lawyer. Our attorneys can review your policy and negotiate on your company’s behalf with your insurance company. If the company is engaging in bad faith tactics, we can work to hold them accountable to pay your business what it is owed.

The following guidelines will help you through the insurance claim process:

1. Keep Records and Photographs
You need to be able to prove what was damaged or lost. This means keeping receipts of your valuable personal property. Photographs of your home are proof of its condition before any damage occurs. These are the things an insurance company will ask you to provide to prove what you have lost and the value thereof.

2. Protect Your Property From Further Loss or Damage
When an unexpected loss occurs it is important to make sure that no additional damage is allowed to happen to your property. One easy example is when a pipe bursts in a home and leaking water threatens to ruin not just walls but personal property. Under your home insurance, you have a duty to make emergency repairs to prevent the water from causing further damage; call a plumber to stop the leak. If you don’t, the insurance company can refuse to pay for any damage that could have been prevented.

3. Make Your Claim Promptly and Clearly
You should notify your insurance company as soon as you can after a loss occurs. Call your agent and the insurer directly to ask for instructions or any requests that they may have and to give them the opportunity to take immediate action if necessary. Then follow up in writing, advising them of the claim and confirming your conversation.

4. Don’t Give the Insurance Company Any Excuse to Deny the Claim
It is important to cooperate fully with the insurer and provide them with whatever records you may have. Give the insurer the opportunity to inspect any damage. Provide the information requested on the forms provided on a timely basis.

5. Get Help From Experienced Insurance Attorneys
If your insurance company denies or delays payment on a claim, you should consult with an experienced insurance attorney. The attorney can evaluate your claim and the consultation is generally for free. If the insurance company is acting wrongly, you are well protected under Florida Law. The lawyers can take your case on a contingency basis, which means that they get paid only if they win your case. Also, they can make the insurance company pay your legal expenses.

Call the Law Offices of Jose M. Francisco if you have any questions regarding an insurance claim and we will evaluate your case free of charge.

Miami Personal Injury Attorney, Jose M. Francisco
Jose M. Francisco
Million Dollar Advocates Forum