Every Florida insurance policy carries an implied duty of good faith. When a carrier intimidates policyholders, misstates claim values, ignores evidence, or makes the process so cumbersome that filing feels pointless, it may be acting in bad faith.
Insurers have adjusters, experts, and attorneys protecting their interests. Policyholders deserve counsel prepared to do the same. We approach every dispute with a litigation mindset: reviewing the contract, preserving evidence, evaluating damages, and preparing for court when negotiation is not enough.
How we help
- Review the policy, correspondence, estimates, inspections, and the insurer's stated reasons
- Identify the policy provisions that control the dispute
- Document delay, misrepresentation, and unreasonable claim handling
- Pursue breach of contract and, where available, bad-faith remedies
- Represent policyholders in disputes over auto, property, commercial, and liability coverage
Common bad-faith tactics
Unreasonable delays, lowball valuations without explanation, misrepresenting policy terms, failing to investigate, demanding excessive documentation, and denying claims without a reasonable basis.
Bad faith is a separate claim
Proving bad faith is legally different from proving that benefits were owed. In Florida property cases, bad-faith claims generally require first establishing that the insurer breached the contract. We sequence the case to protect every remedy.
Frequently asked questions
What is insurance bad faith?
A carrier's failure to handle a claim fairly and honestly, including unreasonable delay, failure to investigate, or refusal to pay what is clearly owed. Florida law provides remedies beyond the policy benefits when bad faith is established.
My insurer keeps asking for more documents. Is that bad faith?
It can be. Reasonable requests are part of the process, but repeated, duplicative demands used to stall a claim may support a bad-faith case. Keep every letter and email.
How is an insurance lawyer paid?
It depends on the claim. We explain the fee structure during your free consultation before you commit to anything.
