Storm Hurricane Insurance Claims Attorney Harold Truppman Florida. First and foremost, our hearts go out to all those affected by the path of Hurricane Ian. We are here to help you with all of your claim needs. Most people know the amount of damage a major hurricane can inflict on a neighborhood and/or city. Billions of dollars spent in Florida repairing property damage is usually only the beginning. The individuals left to clean up, rebuild, and find a way to move on with life understandably find the aftermath to be the most challenging.
Can an insurance company cancel my insurance for making a claim?
No. According to Florida Statue 627.4133(2)(b)4, an insurance company may not cancel a policy, except during the first 90 days of the policy, unless there has been a material misstatement, a nonpayment of premium, a failure to comply with underwriting requirements, or a substantial change in the risk covered by the policy or if the cancellation is for all insureds under such policies for a given class of insureds.
Do I have the right to challenge an insurance company’s denial of my claim?
Yes. Florida insurance policyholders can fight an insurance company’s claim denial. If you believe a valid insurance claim has been denied or if an insurance company is acting unfairly, such as delaying the processing of a claim, not communicating with you, or paying less than what is necessary, please contact us by email or call 305-374-7974.
How long does the insurance company have to pay my claim?
According to Florida Statute 627.70131(5)(a), within 90 days after a company receives notice of a new, reopened or supplement property insurance claim, the company must pay or deny the claim or a portion of the claim unless the failure to pay the claim or a portion of the claim is caused by factors beyond the control of the company. Any payment (portion or entire claim) paid more than 90 days after the company receives notice of the claim, or paid more than 15 days after there are no longer factors beyond the control of the company, whichever is later, will bear interest according to Florida Statute 55.03. Furthermore, according to Florida Statute 626.9541(1)(i)4, it is also considered an unfair trade practice if the insurer fails to pay undisputed amounts of partial or full benefits owed under first-party residential property insurance policies within 90 days after determining the amount and agreeing to coverage, unless payment of the undisputed amount is prevented by an act of God, prevented by the impossibility of performance, or due to actions by the insured or claimant that constitute fraud, lack of cooperation, or intentional misrepresentation regarding the claim for which benefits are owed. If your insurance company is delaying the processing of your claim, please contact us by email or call 305-374-7974.
Harold B. Klite Truppman, P.A.
28 West Flagler Street, Suite 201, Miami, Florida 33130 – (305) 374-7974