Insurance Claims in Jacksonville, FL

What Are Insurance Claims?

Filing an insurance claim in Jacksonville, 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 Jacksonville, 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.

Jacksonville homeowners face property damage from severe weather events on a fairly regular basis. In fact, Policy Genius ranked Florida second in the US for homeowner insurance losses. Specifically, the state experienced $6,482,582,800 in loss between 2015 and 2019. Additionally, Florida was ranked number one for lightning claims, and number one for hurricane claims. In fact, a Category 5 hurricane in Florida is powerful enough to inflict damage on almost 3 million homes. Furthermore, Flood Factor reports that 12% of all properties in Jacksonville have a greater than 26% chance of being severely affected by flooding. Fortunately, Jacksonville homeowners can purchase flood insurance through the National Flood Insurance Program.

How to File a Property Insurance Claim in Jacksonville, 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

If you live in Jacksonville, you are no stranger to severe weather and the impact it has on your property. Fortunately, you also enjoy the benefits of Florida’s Homeowner Claims Bill of Rights (HCBR). HCBR governs the claims process, protecting your rights during what can be a very stressful time. For example, your insurer must acknowledge your claim within 14 days. In addition, your insurer has 90 days to pay the full settlement, pay the undisputed portion of the claim, or deny the claim.

Additionally, Florida’s Department of Financial Services offers free mediation for disputed claims. However, mediation is not always successful. Consequently, It is advisable to consult with an experienced Jacksonville insurance attorney to explore the grounds for a possible lawsuit.

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?

If you are involved in a car accident in Jacksonville, you should call 911 and stay at the scene. According to Florida Highway Safety and Motor Vehicles (FLHSMV) you must notify the Jacksonville Police Department immediately if the accident involves injury, death or at least $500 in property damage. Otherwise, you can self-report the accident online.

Your next call should be to your insurance company. Florida is a no-fault state which means each driver’s insurance pays for their own medical bills, regardless of who caused the crash. However, if you do need the other driver’s insurance coverage, you must submit the crash report and a completed Insurance Request Form to FLHSMV’s Customer Service Correspondence Center.

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 Jacksonville.

Health Insurance Claims

Jacksonville, 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 Jacksonville, 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.

According to Florida Politics, Florida’s Agency for Health Care Administration (AHCA) is fining Sunshine Health, the state’s largest Medicaid managed care vendor, a record $9 million. AHCA took this action because Sunshine Health failed to make payment or delayed payment on over 121,000 claims from health care providers. In fact, Sunshine Health had failed to pay providers for some of Florida’s most severely sick children. Specifically, 48,694 long-term care claims were denied for allegedly having wrong diagnosis codes. That number represents 40% of the 121,227 unpaid claims. Florida is giving Sunshine Health 30 days to pay the fine, or 21 days to contest the fines and sanctions.

Work with an Experienced Local Insurance Lawyer in Jacksonville, Florida.

If your health insurance provider refuses to honor a claim, seek out a qualified Jacksonville 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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