If an insurance company engages in claims handling practices that violate Florida law, an unfair claims practice action or “bad faith” suit may be appropriate if certain conditions are met. Policyholders in Florida are required to file a Civil Remedy Notice of Insurer Violation with the Florida Department of Financial Services and the offending insurance company. A Civil Remedy Notice gives the insurer sixty days to pay all of the benefits owed under an insurance policy. If, at the conclusion of the insurance claim dispute, the policyholder recovers additional insurance benefits, a “bad faith” action may be brought to recover any out of pocket expenses the policyholder incurred as a result of the insurance company’s delay and, in some situations, punitive damages. It is critical that a Civil Remedy Notice be properly drafted.
If your insurer improperly denies coverage, delays investigation or payment, or otherwise treats you unfairly, the attorneys at Christopher Ligori & Associates can help you perfect your right to pursue an unfair claims practice action, receive full indemnification and be made whole again after a loss.