Insurance Claims in Tallahassee, FL

What Are Insurance Claims?

Filing an insurance claim in Tallahassee, 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 Tallahassee, 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.

Even without severe weather events, heavy winds can cause significant damage to homes in Tallahassee. For example, WCTV covered an incident where a large tree branch fell onto a local house. Moreover, USA Today asserts that Floridians should beware of increasingly strong hurricane seasons.

How to File a Property Insurance Claim in Tallahassee, 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

A helpful way to set expectations for what happens during a property claim is to review the Florida Statutes. Currently, the state has legislation known as the Homeowner Claims Bill of Rights. These laws set standards for how the interactions between yourself and your insurance carrier should happen. For instance, consider the following deadlines under current law after submitting a claim:

  • Acknowledge your claim up to 14 days later
  • Delivery of a written decision within 30 days
  • Receipt of full settlement in 90 days

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 immediate concern for any motorist in Tallahassee should be safety. In the moments after an accident, pull over and check for injuries. Only once everyone’s safe should you move on to other necessary tasks like exchanging insurance information.

The State of Florida wants you to call the police if it’s apparent that there is more than $500 in damages. After an officer investigates, you’ll need to complete a Driver Report of Traffic Crash (Self Report). Sooner or later, a representative from your insurer can factor this public information into their final decision.

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 Tallahassee.

Health Insurance Claims

Tallahassee, 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 Tallahassee, 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.

Denials for these claims are worrisome, but you have the right to appeal the decision. Patients in Tallahassee can start an internal appeal with their provider. Once this does not yield a positive outcome, an external review is next. Moreover, if you’re on Medicaid, the Agency for Healthcare Administration has a dispute resolution program to try.

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

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