Insurance Attorney
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Insurance Claims
At Morgan & Morgan, our attorneys understand that when a policyholder who has paid insurance premiums submits a claim to their insurance company, they expect the company will act in good faith and honor the validity of the claim. However, many times the insurance company does not do what is right and honor the claim. Disputes often arise after an insurance company denies a valid claim, many times without a legitimate reason or explanation.
Disputes also can occur if insurance companies fail to pay medical providers the money they're entitled to from policyholders in states with no-fault insurance and personal injury protection, or PIP. Insurance companies generate a greater profit when policyholders do not file claims or fail to collect on claims submitted under their policies.
Some insurance companies habitually deny claims—regardless of their legitimacy—and will only investigate a claim if the policyholder takes legal action.
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How it works
It's easy to get started.
The Fee Is Free®. Only pay if we win.
Results may vary depending on your particular facts and legal circumstances.
Step 1
Submit
your claimWith a free case evaluation, submitting your case is easy with Morgan & Morgan.
Step 2
We take
actionOur dedicated team gets to work investigating your claim.
Step 3
We fight
for youIf we take on the case, our team fights to get you the results you deserve.
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Results may vary depending on your particular facts and legal circumstances.
Get answers to commonly asked questions about our legal services and learn how we may assist you with your case.
Our Process
Documentation
First, your assigned legal team will ask to see a complete copy of your insurance policy. If you don’t already have this, you can request it from your broker or insurance company. Next, your team will contact your insurance company to determine the status of your claim.
These items will help your team understand the basis of your claim and if there is grounds for further investigation and legal action.
Investigation
Your attorney and their support staff will dig into the details of your policy investigate the circumstances surrounding whatever damage or triggering event that caused you to file a claim.
In this stage, we are gathering the evidence we need to support legal action.
Negotiation
Your attorney will file suit against the insurance company. This does not guarantee a trial; negotiation with the insurance company is also possible.
Why Was My Insurance Claim Denied?
Unfortunately, insurance companies often interpret and manipulate the language in their policies to minimize or deny valid claims. Insurance providers have a significant self-interest to protect their cash reserves and to avoid payouts to policyholders. When an insurance company denies or undervalues a claim, they may allege that:
The loss is excluded from the policy.
The damages are less than what the insured is claiming, or falls below the policy deductible.
The insurance company’s “independent experts” or “independent adjusters” have determined that no covered loss occurred or is excluded from the policy.
What Types of Insurance Disputes Does Morgan & Morgan Handle
At Morgan & Morgan, our attorneys are committed to helping clients settle insurance claims disputes in a wide range of practice areas. The following is a list of many of the types of insurance disputes handled by the attorneys in our offices:
- Hurricane damage and tropical storm damage
- Flood damage
- Cast Iron Pipes
- Homeowners
- Condo Owners
- Accidental Death and Dismemberment
- Life Insurance
- Life Insurance Benefits
- Long Term Disability Insurance
- Hail Damage
- Blasting
- PIP claims (including first party)
- Fire claims
- Tornadoes
- Sinkholes
- Business property losses
- Bad faith claims
- Lightning Damage Insurance
- Insurance Broker Malpractice
- Frozen Pipes
- Weight of Snow, Rain, and Ice
- Vandalism and Theft Damage
- Wind Damage
- Water Damage
- Adjacent Construction Damage
- Building Collapse
Contact Morgan & Morgan Today
If you believe that you are being treated unfairly by your insurance company, please do not hesitate to contact us today to see if an experienced insurance dispute attorney at Morgan & Morgan can help.
Get in touch by filling out our free, no-obligation case review form. We're here to help you with your insurance disputes, as well any personal injury claims.