Insurance Claims in Miami, FL

What Are Insurance Claims?

Filing an insurance claim in Miami, 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 Miami, 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.

Miami remains subject to extreme weather patterns that can catch local homeowners by surprise. For example, WSVN-TV reported on an event that managed to produce a tornado. Moreover, a severe storm in March 2022 damaged several homes and businesses. If you’ve lived through a similar event, you may need an attorney to receive the compensation you deserve from your insurer.

How to File a Property Insurance Claim in Miami, 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

The financial company WalletHub asserts that insurers should resolve claims in 64 days or less. Within this general deadline, there are expectations for how swiftly they should act. Examples of what you can expect for a property claim in Miami include:

  • Acknowledgment of your claim within 14 days
  • A decision to pay or deny a claimant within 30 days
  • Delivery of final payments within 20 days of reaching a settlement

Most of your interactions during this process will be with an adjuster and a claim representative. Earlier in the process, you may need to provide proof of the property’s status before the qualifying event. With those facts established, your negotiations will involve the company’s interpretation of your policy. You don’t have to hire a lawyer at this stage, but a consultation could help clarify your options.

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?

Drivers in Miami have several responsibilities after they’re involved in an accident. First, you’re expected to stop and call 911 if there are injuries. You may not have to call the police for minor incidents, but state law sets a low threshold for this to be acceptable. The Florida Department of Highway Safety and Motor Vehicles asserts you should call law enforcement if there appears to be more than $500 in damage.

Next, you need to exchange essential information like your driver’s license number and insurance policy. While you’re doing so, it’s in your best interests to avoid discussing fault. That particular issue should remain with the findings of your insurer and law enforcement.

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 Miami.

Health Insurance Claims

Miami, 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 Miami, 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.

Patients have the right to an external review of their policy if their insurer does not approve their treatment. Unfortunately, even when these reports show that you should have coverage, the denial can continue. But, the facts that this process establishes can help you during legal proceedings in Miami. This evidence may be exactly what you need to prove your insurer acted in bad faith under Florida law.

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

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