Bad Faith Insurance Claims Lawyer in Florida
When you pay your insurance premiums, you expect your insurance company to treat you fairly when disaster strikes.
Unfortunately, many homeowners find themselves facing delays, denials, and unfair treatment, classic signs of bad faith insurance practices.
At Gelber Law Group, we do not tolerate anything less than a fair and honest process for our clients. We communicate with you at every step, explain your options clearly, and aggressively fight for the highest possible payout under your policy. When insurers refuse to act responsibly, our formidable legal team, strong both in and out of the courtroom, steps in to hold them accountable.
What Is a Bad Faith Insurance Claim?
Insurance companies have a legal duty to act honestly, fairly, and promptly when handling claims. A bad faith insurance claim arises when an insurer violates this duty and fails to uphold the obligations outlined in your policy and in Florida law.
Bad faith occurs when an insurer:
- Unreasonably delays processing or paying your claim
- Misrepresents policy language or facts about your coverage
- Ignores evidence, inspections, or documentation you provided
- Denies a valid claim without cause or explanation
- Fails to investigate the loss in a timely manner
- Places company profit over policyholder protection
When this happens, homeowners may be entitled not only to the value of their original claim, but also additional damages for the insurer’s misconduct.
How Do You Know You Have a Bad Faith Insurance Claim?
Recognizing bad faith early helps preserve your rights and strengthens your case. You may have a bad faith claim if your insurer engages in any of the following conduct:
– Misrepresenting Facts or Policy Terms
If an insurer twists policy language or misstates coverage to justify a denial, this is a red flag.
– Wrongfully Delaying Payment
Unexplained delays, repeated rescheduling, or slow communication may be intentional stalling tactics.
– Failing to Notify You That Additional Information Is Needed
Insurance companies must tell you if something is missing. Withholding this information is improper.
– Failing to Communicate Crucial Information
If adjusters avoid calls, ignore emails, or provide vague updates, your claim may not be handled in good faith.
– Failing to Promptly Investigate Your Claim
Homeowners have the right to a timely, complete, and unbiased investigation.
– Refusing to Pay a Covered Claim
If your policy clearly covers the loss, refusing payment is a major indicator of bad faith.
– Denying a Valid Claim Without a Proper Investigation
Insurers cannot reject your claim without inspecting the damage and reviewing evidence.
– Denying a Claim Without Giving a Reason
A denial must be supported by clear, written explanation, not guesswork or vague statements.
When any of these occur, Gelber Law Group steps in immediately to enforce your rights and pursue full accountability under Florida law.
Do You Need an Attorney to File a Bad Faith Insurance Claim?
Yes. Bad faith claims are complex, and insurance companies have teams of attorneys defending their decisions. To level the playing field, homeowners need skilled legal representation.
Gelber Law Group:
- Reviews your policy and identifies violations
- Demands written justification for delays or denials
- Collects evidence showing improper conduct
- Negotiates on your behalf to recover fair compensation
- Litigates aggressively when insurers refuse to act in good faith
Homeowners often recover significantly more with legal representation than by handling a bad faith claim alone. Our firm has successfully prevailed in bad faith lawsuits and has the legal strength to take on even the largest insurers.
When Results Matter, Choose Gelber Law Group for Your Bad Faith Insurance Claims
Your insurer has legal obligations, and when they violate them, Gelber Law Group is here to hold them accountable. We fight relentlessly for homeowners, maintain consistent communication throughout your case, and prepare every claim with precision.
Call us today at (954)320-0100.
Bad Faith Insurance Claims in Florida FAQs
What damages can I recover in a bad faith lawsuit?
You may recover the full value of your original claim, additional financial losses caused by the insurer’s misconduct, and in some cases, further statutory or extra-contractual damages.
How long does a bad faith case take?
Timelines vary, but working with an attorney ensures your case moves forward faster.
Can I file a bad faith claim after my insurer denies my case?
Yes. A wrongful denial is one of the strongest indicators of bad faith, especially if the insurer ignored evidence or policy language; however, you will need to obtain a favorable judgment on your underlying insurance claim before you can pursue a bad faith lawsuit.
Do I need to wait for my claim to be fully denied?
No. Bad faith often begins before a denial. Delays, misrepresentations, and incomplete investigations may be enough to take action; however, you will need to obtain a favorable judgment on your underlying insurance claim before you can pursue a bad faith lawsuit.
What if my insurer suddenly changes its explanation for a denial?
Inconsistent reasoning is a classic sign of bad faith. Our attorneys investigate these red flags immediately.