A bad faith insurance claim in Florida is not just a disagreement over dollars. It is a situation where an insurance company has a duty to handle a covered property loss fairly and promptly. Instead, however, the company uses delay, unfair tactics, or unsupported reasons to avoid paying what the policy requires. When the claim handling feels designed to wear you down rather than resolve the loss, bad faith concerns can arise.
When you see those warning signs, our team at Kuhn Raslavich will review the paper trail and the policy language. We will also explain whether the conduct points to a claim-handling failure or a legitimate dispute. A strong case starts with clear facts, not frustration.
Bad Faith Starts With How the Claim is Handled
Bad faith is usually about conduct, not a single denial letter. Florida law expects insurers to investigate, evaluate, and respond in a reasonable way, using fair standards and timely communication. When an insurer ignores obvious damage, repeatedly “loses” documents, or drags out simple steps without a real reason, the claim may shift from slow to unreasonable.
Unfair handling can show up in several ways, including these patterns:
- Long gaps with no meaningful updates after the insurer receives photos, estimates, or receipts.
- Shifting reasons for nonpayment that do not match the policy language.
- Lowball numbers that do not reflect the scope of repairs described in the file.
A Florida bad faith property insurance claim often becomes clearer when you compare what the insurer requested, what you provided, and what the insurer did next. A proper investigation should lead to a decision supported by facts, not vague statements or moving targets.
What Makes the Conduct “Bad Faith” Under Florida Law?
A bad faith claim usually requires more than a simple error. The issue is whether the insurer acted unreasonably in light of the information available and the duties imposed by Florida law. Florida’s civil remedy framework for insurer bad faith is tied to statutory standards, including the provisions found in Florida Statutes section 624.155.
Claim conduct can cross the line when an insurer fails to evaluate the loss honestly, refuses to consider clear evidence, or uses delay as leverage. A file can also raise red flags when payment arrives only after repeated follow-ups, yet no new facts appear to justify the earlier refusals.
When the timeline and documentation point in that direction, a bad faith insurance claim lawyer will compare the insurer’s actions to the legal standards. Your legal representative will also identify gaps in investigation, communication, or payment reasoning that support a stronger position.
Ready to Help With Your Bad Faith Insurance Claim
A well-organized file can also show how a bad faith insurance claim developed over time, especially when the insurer’s reasons change or the process stalls after complete submissions. In those cases, a bad faith insurance claim attorney with Kuhn Raslavich Attorneys at Law will review the claim history and plan the next steps that fit the facts, the policy, and Florida’s requirements.
A fair outcome should not require endless delays or shifting explanations. If your property claim feels stuck in a loop, reach out to Kuhn Raslavich so we can review your documents, evaluate whether bad faith signs exist, and explain how we will pursue the benefits you are owed through a focused, evidence-driven approach to a bad faith insurance claim. Please get in touch with us for a free case review as soon as you can. Let us tell you more by contacting us online or calling 877-352-7767.
FREQUENTLY ASKED QUESTIONS (FAQ):
What is a bad faith property insurance claim in Florida?
A bad faith claim occurs when an insurance company fails its duty to handle a covered property loss fairly and promptly, instead using delay, unfair tactics, or unsupported reasons to avoid paying what the policy requires.
What are examples of unfair handling that could constitute bad faith?
Unfair handling can include long gaps with no meaningful updates, shifting reasons for nonpayment that do not match the policy language, or lowball numbers that do not reflect the necessary scope of repairs described in the file.
What makes an insurer’s conduct “bad faith” under Florida law?
The issue is whether the insurer acted unreasonably in light of the available information and the duties imposed by Florida law. Florida’s civil remedy framework for insurer bad faith is tied to statutory standards, including provisions found in Florida Statutes section 624.155.