Meet Our Insurance Claim Attorneys

An insurance dispute occurs when an insurance company and a policyholder disagree about coverage, payment, or the value of a claim. Disputes can arise after a car accident, a house fire, a hurricane, a medical emergency, a disability diagnosis, and more.

Sometimes, disputes involve outright denial of coverage. Other times, insurers admit some liability but offer far less than the true value of a claim. In either case, the result can be devastating to policyholders who are counting on insurance benefits during some of the most challenging times in their lives.

Common examples of insurance disputes include:

• Homeowners insurance disputes (fire, water damage, hurricane losses)
• Health insurance disputes (denial of medically necessary treatments)
• Life insurance disputes (wrongful denial of death benefits)
• Auto insurance disputes (collision coverage disagreements)
• Disability insurance disputes (denial of short- or long-term benefits)
• Business insurance disputes (denied claims after property loss or business interruption)

No matter the type, one thing is clear: insurance disputes are not just frustrating; they can be financially and emotionally overwhelming.

Insurance disputes happen for several reasons, many of which trace back to the business model of insurance companies.

Insurance companies are for-profit businesses. Despite the comforting commercials and slogans, they often prioritize protecting their bottom lines over protecting policyholders. The less they pay out in claims, the more profit they retain.

Some common causes of disputes include:

• Claim denials: The insurer denies coverage entirely, often citing exclusions buried deep within a policy.
• Undervalued claims: The insurer agrees to pay but offers an amount far lower than what’s necessary for full recovery.
• Delays in payment: The insurer drags its feet, using tactics like endless requests for documents or repeated investigations.
• Bad faith actions: In some cases, insurance companies act unreasonably or even deceptively to avoid paying valid claims, a violation known as acting in "bad faith."

At Morgan & Morgan, we believe that insurance companies must honor their promises. If they don't, we take them to court. It's that simple.

Understanding common insurer tactics can help you recognize when you’re being treated unfairly.

Here are a few strategies insurers may use:

• Lowball offers: Offering quick but low settlements, hoping claimants will accept out of desperation.
• Policy misinterpretation: Twisting or misapplying policy language to justify denial.
• Requesting unnecessary documentation: Asking for repeated paperwork to create obstacles.
• Independent medical exams: For health or disability claims, forcing claimants to undergo biased medical evaluations.
• Partial payments: Paying for some parts of a loss while denying others without clear justification.
• Shifting blame: Arguing that damages were caused by pre-existing conditions, poor maintenance, or other excluded causes.

If you’re encountering these tactics, you’re not alone and don’t have to fight alone. Morgan & Morgan’s insurance dispute lawyers can step in and take the pressure off your shoulders.

Sometimes an insurance company's actions go beyond ordinary disputes and rise to the level of bad faith.

Bad faith occurs when an insurer unfairly denies a claim, delays payment without reason, or fails to properly investigate a claim. Laws regarding insurance bad faith vary by state, but most jurisdictions allow policyholders to pursue damages beyond the original claim amount when insurers act in bad faith.

Examples of bad faith include:

• Denying a claim without conducting a proper investigation
• Misrepresenting facts or policy provisions
• Failing to settle a claim where liability is reasonably clear
• Unreasonably delaying payment without explanation
• Offering substantially less than a claim is worth with no justification

At Morgan & Morgan, if we find that an insurer acted in bad faith, we fight for the full and fair compensation for your claim and may seek additional damages for emotional distress, financial harm, and even punitive damages intended to punish wrongful conduct.

If you believe your insurance company is treating you unfairly, taking these steps can strengthen your case:

• Review your policy: Understand what’s covered and any exclusions or limitations.
• Document everything: Keep a record of communications, including emails, letters, and phone calls.
• Submit a formal appeal: Follow the insurer’s internal appeals process, if available.
• Contact Morgan & Morgan: Don’t accept less than you deserve. Get a professional opinion with a free case evaluation at Morgan & Morgan.
• Don’t give up: Insurance companies bank on claimants getting frustrated and walking away. Don’t let them win.

Morgan & Morgan can take over the fight and push back hard on your behalf.

At Morgan & Morgan, we handle a wide variety of insurance dispute claims, including:

Homeowners Insurance Claims

Damage to your home can be devastating. Disputes often arise over coverage for fire, hurricanes, hailstorms, flooding, mold, theft, and more. Insurance companies sometimes wrongly classify damage as “wear and tear” or “excluded” to avoid paying full benefits.

Auto Insurance Claims

After an accident, disputes may involve collision coverage, comprehensive coverage, or underinsured/uninsured motorist benefits. Some insurers undervalue repairs, deny coverage for rental cars, or blame drivers unfairly.

Life Insurance Claims

When a loved one passes away, life insurance should provide financial support. Unfortunately, insurers sometimes delay or deny death benefits based on alleged misstatements on applications or policy lapses.

Health Insurance Claims 

Insurers frequently deny treatments they claim are "experimental," "not medically necessary," or "out of network." These denials can have serious health consequences.

Disability Insurance Claims

People who can no longer work due to injury or illness rely on disability insurance. Insurers often deny claims based on biased medical reviews or unreasonably strict definitions of disability.

Business Insurance Claims

Businesses facing property loss, theft, fire, or business interruption may face delays or denials under commercial insurance policies.

No matter the situation, Morgan & Morgan’s experienced team is ready to help.

If your insurance claim was denied, it doesn't mean the fight is over. A denial is often just the beginning of the process. Here’s what you should know:

• Review the denial letter carefully: The insurer is required to explain why your claim was denied. Sometimes the reason is based on a misunderstanding, missing documentation, or a misapplication of your policy.
• Check your insurance policy: Compare the denial reason against the actual wording of your policy. Insurance policies are often written in confusing, technical language, and sometimes insurers rely on that confusion to deny valid claims.
• Gather evidence: Collect all correspondence, claim forms, photos, expert opinions, and any other documentation that supports your claim.
• File an internal appeal: Many insurance companies have an internal appeals process. This allows you to challenge the denial without immediately going to court. Be sure to follow any deadlines closely.
• Contact Morgan & Morgan: If the insurer refuses to reverse the denial, or if you suspect they are acting unfairly, it’s important to get legal help. An experienced insurance dispute attorney can review your case, negotiate with the insurer, and, if necessary, file a lawsuit to recover what you’re owed.

At Morgan & Morgan, we handle insurance denials every day. We know the tactics insurance companies use, and we have the resources and experience to fight back.

A denied claim is not the final word. With the right help, you can often overturn a wrongful denial and recover the benefits you deserve.

The amount of time you have to dispute an insurance denial depends on several factors, including:

• The type of insurance policy (health, homeowners, auto, life, etc.)
• The language in your policy (there’s often a specific time limit set by the contract)
• State laws and regulations that may impose deadlines
• The insurer’s appeals process rules

Generally, there are typical timelines for certain categories of insurance disputes according to federal law. For instance, for health insurance claims, under federal law (thanks to the Affordable Care Act), you usually have 180 days (about six months) from the date you receive the denial to file an internal appeal.

Homeowners, auto, life, and other types of insurance claims are typically governed by your policy and state law. Many policies give you 60 days to one year to dispute or appeal a denial, but it can vary.

If you decide to sue after exhausting appeals, you must comply with your state’s statute of limitations. This could range from one to five years, depending on your location and the type of insurance.

The important thing is to act quickly and consult an attorney. Waiting too long could cause you to lose your right to appeal or sue, and an attorney can make sure you don’t miss any critical deadlines and can help you build the strongest possible case.

At Morgan & Morgan, we can review your denial, determine exactly how much time you have, and help you take action before it’s too late—and can start for free.

Yes, hiring a lawyer can absolutely make your insurer treat you differently, and usually in your favor.

When you have an experienced attorney representing you, it signals to the insurance company that you’re serious about enforcing your rights, understand your legal options, and won’t easily be intimidated, delayed, or dismissed.

Insurance companies are businesses. Their goal is to pay out as little as possible. When they know you're handling the claim on your own, they may be more likely to delay, underpay, or wrongfully deny your claim, hoping you’ll give up or accept less than you deserve.

But when you bring in a law firm like Morgan & Morgan, the game changes.

Insurance companies know we have the resources to fight back. We’re not afraid to take cases to trial if necessary, and insurers know that. They also know that losing in court can cost them much more than settling fairly.

It also levels the playing field. Insurance companies have teams of lawyers on their side. You should have a team fighting for you, too.

Plus, many times, insurers will offer a better settlement once a lawyer gets involved, sometimes significantly higher than what they offered before.

Hiring a lawyer shows the insurance company that you mean business, and it can directly improve your chances of getting the full compensation you deserve.

At Morgan & Morgan, we’re not just here to negotiate; we’re ready to fight, and we have the track record to prove it. We don’t get paid unless we win for you.

Yes, you can sue your insurance company, and sometimes, it’s the only way to get the justice you deserve.

When you buy insurance, you're entering into a contract: you agree to pay your premiums, and in return, the insurance company agrees to cover you according to the terms of the policy. If they wrongfully deny, delay, or underpay your claim, they may be in breach of contract, and you have the legal right to take them to court.

You may be able to sue your insurer for:

• Breach of contract: If the insurance company doesn’t uphold its end of the deal, you can sue to enforce the contract and recover the money you're owed.
• Bad faith: In many states, insurance companies are required to handle claims fairly and honestly. If they engage in unfair practices, like refusing to investigate your claim properly, using unreasonable delays, offering absurdly low settlements, or denying a valid claim without reason, you may be able to sue them for bad faith. In bad faith cases, you may be entitled to recover extra damages, including punitive damages meant to punish the insurer.
• Emotional distress or other damages: In some cases, wrongful claim denials or bad faith behavior can lead to real emotional and financial harm. You may be able to seek compensation for those losses as well.

You usually need to exhaust any appeals process first (depending on the type of insurance and state laws) before filing a lawsuit. But you don’t have to do it alone, and it’s smart to have an attorney guiding you from the start to build the strongest possible case.

At Morgan & Morgan, we have a long history of standing up to insurance companies, big and small. We don't back down, and we don't accept lowball offers. If your insurer refuses to do what's right, we’re ready to take them to court, and fight for every dollar you’re owed.

No. Consultations at Morgan & Morgan are completely free. We believe everyone deserves access to legal advice, regardless of their financial situation.

Hiring one of our lawyers is easy, and you can get started in minutes with a free case evaluation on our site or by phone.

When you hire Morgan & Morgan, you don’t just hire a lawyer, you hire the largest personal injury law firm in the country with an army of over 1,000 lawyers and offices in all 50 states and Washington, D.C.

Your case will be handled by a dedicated team of professionals, including insurance claim lawyers, paralegals, and support staff. You will be assigned a care team that includes a primary attorney who will oversee your case and ensure you receive personalized attention throughout the process.

We love talking to our clients. You will primarily communicate with your Case Manager via telephone and email, and if you would like to speak directly with your attorney via telephone, we will make that happen by scheduling a call.

Morgan & Morgan’s lawyers work on a contingency fee basis, meaning that there are no upfront fees or expenses until your case comes to a successful conclusion. That’s right—the Fee Is Free™, and you only pay if we win.

Our fee is a percentage of the settlement or verdict amount, ensuring we are motivated to achieve the best possible outcome for you.

At Morgan & Morgan, our team of experienced attorneys has successfully represented countless clients in similar situations, securing billions in compensation. As the largest personal injury law firm in the country with over 1,000 lawyers nationwide, we have the resources, knowledge, and dedication to fight for your rights.

We work on a contingency fee basis, meaning you won’t have to pay unless we win your case. Morgan & Morgan believes justice should be accessible to all, so our motto is the Fee Is Free™—you only pay if we win.

Don't face your insurance company alone after a loss. Contact Morgan & Morgan today for a free case evaluation to learn more about your legal options.