Florida Homeowner Insurance Claim Dispute Attorney in Sarasota, FL

Within 30 days of receiving your initial claim, your insurance company must provide you with an update on the status of your claim. This means they must inform you of the following:

1. Full Coverage: If your claim is fully covered, they should let you know and outline the terms.
2. Partial Coverage: If only parts of your claim are covered, expect a detailed explanation of what is covered and what is not.
3. Denial: If your claim is denied, they must provide a reason for the denial.
4. Need for More Time: If they need more time to investigate, they should inform you of this, along with an estimated timeframe for when you can expect a decision.

This transparency is designed to keep you informed and reduce the frustration that often accompanies waiting for insurance decisions.

Payment or Written Explanation

The final step in the claims process is the resolution. Florida statute requires that within 90 days of receiving your claim, you should receive either:

• Payment: This could be the full amount or a partial reimbursement based on what’s covered.
• Written Explanation: If your claim is denied, you should receive a detailed written explanation outlining why the denial occurred.

This timeframe ensures that you aren’t left in limbo indefinitely and that you can make informed decisions about the next steps if your claim is denied.

Why This Matters

These statutory requirements are not just bureaucratic formalities; they are designed to protect you as a homeowner. Knowing your rights helps you hold your insurance company accountable and ensures that you are not left in an unfair position.

If you find that your insurance company is not adhering to these timelines, it’s important to document all communications and consider reaching out to the Florida Department of Financial Services or seeking legal advice. Your rights under the Homeowners Bill of Rights are there to ensure that you are treated fairly and that your claims are handled promptly and transparently. For help understanding your legal rights, call Barak Law Group PA and experience the premiere insurance claim dispute attorney in Sarasota, FL.