Insurance Claims in Pensacola, FL

What Are Insurance Claims?

Filing an insurance claim in Pensacola, 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 Pensacola, 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.

Thunderstorms in Pensacola can bring hail, heavy winds, and flooding to damage local homes. In April 2021, WJXT reported on a weather system that destroyed local houses and businesses. When an unfortunate event like this happens to you, there may be a need for legal services to get what you need in compensation.

How to File a Property Insurance Claim in Pensacola, 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

According to PolicyGenius, property claims in Florida can take days to months to resolve. Generally, current law has a deadline of 90 days to pay the claimant or reject their assertions. But, some factors that can extend the process include:

  • Waiting longer than recommended to file a claim
  • Failing to deliver documentation promptly
  • Complicated or extensive damage to your property

Any unnecessary delays or lack of communication by an insurer can rise to the level of bad-faith actions. The same risk of civil litigation exists if anyone misleads you about the coverage available for your policy. In a business where the top priority is limiting payouts, a company can easily cross a legal line in the sand.

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?

Nonprofit organizations like the AARP recommend checking for injuries immediately after an accident. If anyone needs medical attention, you have a legal obligation to call 911. A minor collision in Pensacola does not need to involve the police. But, if there appears to be more than $500 in damages, don’t hesitate to call local law enforcement.

As you exchange information with the other driver, avoid discussing fault. You do not want to say anything that will weaken your position in court or with an insurer. Take pictures and document the location of the incident closely. Once you can leave, contact your insurance company to file a claim right away.

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 Pensacola.

Health Insurance Claims

Pensacola, 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 Pensacola, 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.

If you receive a denial of their treatment, you have the right to appeal the decision. Moreover, you can request that a third-party review your case. A federal external review does not cost you anything, and it may expose flaws in a company’s reasoning. If this process fails to reverse the denial, you may need to file a legal action with a court in Pensacola.

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

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