Insurance Claims in West Palm Beach, FL

What Are Insurance Claims?

Filing an insurance claim in West Palm Beach, 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 West Palm Beach, 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.

The West Palm Beach Insurance Adjuster states that water damage is generally the most common claim for those residing in the area. This can be the result of storm damage, such as heavy rains or hurricanes, as well as leaking or busted pipes that fill the home with water and cause damage. In addition, residents of West Palm Beach have also seen property damage claims for wind and hail, fire and lightning, as well as theft and burglary.

How to File a Property Insurance Claim in West Palm Beach, 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

WalletHub states that any West Palm Beach insurance companies must pay legitimate claims within 64 days. The company has 14 days to acknowledge your claim and provide you with the paperwork to move forward. Then the company is given 30 days to approve or deny your claim. Once your claim is approved, the company then has 20 days to pay it out.

You should always check your policy sporadically, to make sure you know your coverage, and to be aware of your insurers position. Daily News Flash reports that over 68,000 policies were recently canceled, including for residents in West Palm Beach.

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 first thing to remember in an auto accident is to remain calm. Emotions can run high, and this can cause you to compound the situation by fleeing the scene, or admitting fault. You should never admit fault at the scene of the accident. Fault is a decision for the courts or the insurance companies. The Florida Department of Highway Safety and Motor Vehicles encourages you to pull your car to the side of the road after an accident and check yourself and others for injuries. Contact the West Palm Beach Police Department and Emergency Services if necessary.

You should gather as much information as possible, as this will be crucial for your insurance agent. Get the names and insurance information of anyone involved in the crash, as well as the names and contact information of any witnesses. When an officer arrives on the scene, make sure to give your statement. You should also get the name and badge number of the officer for reference.

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 West Palm Beach.

Health Insurance Claims

West Palm Beach, 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 West Palm Beach, 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.

Florida Blue offers a process for West Palm Beach residents that are seeking to file a health claim. Many are accustomed to a medical provider filing their health claims, however, there may be circumstances where you have to file on your own behalf. Generally, you will get an itemized bill containing the services you received, and the sum total for those services. The Florida Department of Health encourages you to file a separate claim if you believe your insurance company has mishandled your claim, or is operating in bad faith. If this is the case, you may want to contact an experienced West Palm Beach attorney.

Work with an Experienced Local Insurance Lawyer in West Palm Beach, Florida.

If your health insurance provider refuses to honor a claim, seek out a qualified West Palm Beach 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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