Insurance Claims in Tampa, FL

What Are Insurance Claims?

Filing an insurance claim in Tampa, 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 Tampa, 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.

Strong thunderstorms and tornadoes regularly cause destruction to property in Tampa. An example from January 2022 made its way to the headlines of local news station WFTS. On this occasion, a funnel cloud landed, destroyed mobile homes, and turned a semi-truck onto its side.

How to File a Property Insurance Claim in Tampa, 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

Florida law dictates the timeline that insurers should follow while handling property claims in Tampa. For starters, companies must recognize the claimant’s filing within fourteen days of receiving it. At this point, you can expect to meet with an adjuster and work on a proof of loss form. Upon submitting this paperwork, you should receive a written statement about their decision in the next thirty days.

Unfortunately, it is not unusual to receive a final settlement offer that doesn’t meet your expectations. As a result, the Florida Department of Financial Services provides mediation services. When you believe that you’re approaching this threshold, it’s time to consider a consultation with an attorney.

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 Tampa may wonder if they have to get the police involved for a minor fender bender. As asserted by the Florida Department of Highway Safety & Motor Vehicles, $500 of damage is the threshold. If you believe that you’re close to this mark, do not hesitate to call law enforcement.

Regardless of the severity of the incident, there are universal steps anyone involved in an accident should take. Drivers have an obligation to pull over to a safe spot and ask if there are any injuries. They should immediately call 911 so emergency services can assist. Exchanging insurance information, taking pictures, and asking witnesses for their contact details should follow.

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 Tampa.

Health Insurance Claims

Tampa, 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 Tampa, 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.

WebMD offers a brief guide for what to do if you receive a denial for your treatment or medication. Once you review the reasons for refusing coverage, a call to your doctor may clear up misunderstandings. Otherwise, you can move on to an internal appeal and a review by an independent review organization.

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

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