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.
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.
FAQs
Why Was My Insurance Claim Denied?
What Types of Insurance Disputes Does Morgan & Morgan Handle
- 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