Insurance Claims in Boca Raton, FL

What are Insurance Claims?

Filing an insurance claim in Boca Raton, Florida can be a stressful process. Every policy is different, and insurance companies may not pay you what you deserve. In some cases, hiring an insurance claim attorney is necessary. This page breaks down the nuances of different types of insurance claims.

What Is a Property Insurance Claim?

A homeowner’s insurance policy is an agreement to protect the home from damage under specific occurrences. When you as a policyholder suffer a loss, you should find a dedicated Boca Raton, Florida property insurance lawyer. Your legal advocate works on your claim to ensure that you receive the benefits necessary to repair or rebuild your property.

If the insurer denies coverage or delays, policyholders should consult a property insurance attorney about a bad faith claim. If your claim goes to court and you win, you can often recover your court costs, attorney fees, and coverage benefits. There is also the possibility of recovering more money depending on the state laws under which you file your claim.

What Types Of Damage Claims Apply to Property Insurance?

Specific geographic regions impact the design of insurance policies. For example, Florida property insurance policies have more provisions for hurricanes versus earthquakes.

OceanPoint Claims Company states that the majority of claims filed in Boca Raton, and through the state, are the result of storm damage. High winds, hail, flooding waters, and debris can all cause damage to your home. However, homeowners should also try to be proactive in keeping their homes in good repair when dealing with heat and humidity in Boca Raton.  These factors can cause outside features of a home to pit and rust, potentially turning pipes and wiring into potential hazards.

How to File a Property Insurance Claim in Boca Raton, Florida

After you suffer a loss, you must contact your insurer as soon as possible. Taking this step begins the insurance claim process and gets things moving along. You need to notify your insurance company in writing or over the phone. From there, your insurer appoints a claim representative.

What to Expect Afterwards

Insurance companies in Florida have 64 days in total to pay out a legitimate claim, according to WalletHub. There’s a 14 day process of acknowledging your claim and providing you with the paperwork to move forward. Then the company has 30 days to either approve or deny your claim. Once your claim is approved, the company then has 20 days to pay it out.

While this is a process, you should stay up to date with all the information available to you, as there have been cases of bad actors in the insurance industry. The South Florida Sun Sentinel reports that 3 companies are currently being investigated for insurance fraud in Boca Raton.

What Is an Auto Insurance Claim?

Auto insurance claims involve requesting compensation from an auto insurer after an accident. Car accidents are incredibly stressful, especially if there are uncooperative responsible parties. However, your insurer’s job is to work on your behalf to secure compensation for repairs, injuries, and other expenses.

What Do You Do After a Car Accident?

The Florida Department of Highway Safety and Motor Vehicles provides a breakdown of what you should do in the event of an accident. You must never flee the scene of a crash, regardless of fault. You should always:

  • Remain calm and pull your car to the side of the road
  • Check yourself and others for injuries
  • Alert EMTs if necessary
  • Gather information from anyone involved in the accident
  • Gather information from any possible witnesses

Once you have given your statement to the Boca Raton Police Department, you should contact your insurance provider as soon as possible. This will allow them to begin working on your claim. Make sure to share all the information you gathered with your agent.

Auto Claims Adjuster

Your auto insurance company will assign a claims adjuster to your claim report. Your adjuster acts as your representation in any mediation between you and all other involved parties. This insurance representative bears responsibility for investigating the claim and seeing that you receive compensation for any repairs or injuries.

Whether there are repair claims, personal injury claims, or you are dealing with someone who does not have insurance, your auto insurance adjuster should see you through the process. Your claims adjuster may recommend a garage to handle your vehicle repairs. They may also make arrangements for a rental vehicle if required. The most important thing to note is that your auto claim adjuster is your primary point of contact regarding the status of your claim in Boca Raton.

Health Insurance Claims

Boca Raton, Florida policyholders file health insurance claims when they seek reimbursement for medical services or treatments. When you obtain a medical service from a provider, your health insurance carrier should become notified directly. If there are any discrepancies in your claim, consider hiring a health insurance claim specialist attorney.

How Do You File a Health Claim in Boca Raton, Florida?

There are two ways to file a health insurance claim on your behalf. The first is the medical facility notifies your insurer for you. You may be able to walk out of the facility without spending anything, but that depends on your policy. The other way is to file a health insurance claim yourself. Taking this route can occur when a health provider you use is not in your provider network. The facility may still file the claim on your behalf, but you may need to file it yourself.

Florida Blue provides tips for filing a health insurance claim in Boca Raton if you elect to do so instead of allowing your medical provider to file. You should remember to file as quickly as possible, as there is a statute of limitations of 1 year for filing a health claim. You will generally receive an itemized bill containing the services you received, and the sum total for those services. The Florida Department of Health encourages you to file a separate claim if you believe your insurance company has mishandled your claim or is operating in bad faith. If you go this route, you may want to contact an experienced attorney in Boca Raton.

Work with an Experienced Local Insurance Lawyer in Boca Raton, Florida.

If your health insurance provider refuses to honor a claim, seek out a qualified Boca Raton insurance claim attorney’s help. An insurance claim attorney can help if you have been improperly denied coverage or sent a bill for a service you never received. We can even help you connect with an attorney across Florida state lines.

Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!

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