If your property insurance claim is being delayed without explanation, you may be dealing with more than just frustration — you could be facing insurance bad faith. In the attached video, Florida property insurance attorney Ben Raslavich explains when delays cross the line from inconvenient to legally actionable under Florida law, and what homeowners can do to protect their rights.
https://youtu.be/U4XNkxOuZtw
Bad faith occurs when an insurance company fails to act honestly, fairly, and promptly in handling your claim. Examples include ignoring repeated calls or emails, dragging out inspections for months, requesting unnecessary documentation, or denying a claim without properly investigating the property. These practices are unfortunately common after hurricanes, windstorms, hail events, or major water damage incidents, but Florida law requires insurers to conduct reasonable investigations and pay what they owe within a reasonable time.
Legal guidance can help homeowners document delays, identify violations, and take action when insurers fail to meet their obligations. By reviewing claim timelines, communications, and the insurer’s investigation practices, a property insurance attorney can determine whether bad faith has occurred and pursue remedies that go beyond the initial claim. Early action is key: the longer a delay continues, the harder it may be to gather evidence and enforce your rights.
Act Now to Protect Your Rights Against Insurance Delays
If your homeowners insurance claim has been delayed, ignored, or denied without proper investigation, don’t wait. Consulting a qualified property insurance attorney promptly can help hold the insurer accountable, enforce statutory deadlines, and secure the compensation you are entitled to under your policy. Acting now ensures your claim doesn’t get lost in bureaucratic delay and maximizes your chances of a full recovery.
FAQs
- What is insurance bad faith in Florida?
Bad faith occurs when an insurer fails to handle a claim honestly, fairly, or promptly. Examples include unreasonable delays, ignoring communications, or denying claims without proper investigation. Homeowners may have legal recourse if bad faith is proven. - How long can an insurance company delay a claim?
Florida law requires insurers to act within a reasonable time, typically completing investigations and issuing payments promptly. Excessive or unexplained delays may constitute bad faith. Time limits vary depending on policy terms and circumstances. - Can I recover damages beyond my policy limits for bad faith?
Yes, in certain cases, insurers found acting in bad faith may be liable for additional damages above policy limits. This can include attorney fees, consequential damages, or penalties. Legal advice is crucial to evaluate your claim. - What should I do if my claim is being delayed?
Document all communications, keep detailed records of damage and submissions, and consult a property insurance attorney. Early legal guidance can help enforce deadlines and protect your rights. Prompt action strengthens your case for recovery.