FAILURE TO PAY A CLAIM

If your insurance claim has been denied, it's important not to give up. First, carefully review the denial letter from your insurance company to understand their reasons. Often, claims are denied due to missing documentation, miscommunication, or policy exclusions. Next, gather all relevant documents, including your policy, claim forms, and any correspondence with the insurance company. Reach out to an attorney at Murray Law Group who can discuss your case and explore your options for appealing the denial.

Yes, you can challenge an underpaid claim. Insurance companies sometimes offer settlements that are lower than what you are entitled to. Our team at Murray Law Group can help you review the settlement offer and determine if the amount is fair. If it’s not, we can assist you in gathering additional evidence and negotiating with the insurer to seek the full amount you deserve.

Bad faith insurance occurs when an insurance company unfairly denies a claim, delays payment, or offers an unjustifiably low settlement. Signs of bad faith include lack of communication, unreasonable delays in processing your claim, or misrepresentation of policy terms. If you suspect your insurer is acting in bad faith, it's crucial to consult with an attorney. Murray Law Group has extensive experience in holding insurance companies accountable for bad faith practices.

The time frame in which an insurance company must pay a claim varies depending on the state and the type of insurance. In Florida, insurers typically have 60 days to either pay the claim or deny it after receiving a complete claim. If there are delays beyond this period without a valid reason, the insurer may be acting in bad faith. Contact us to discuss your situation if you are experiencing an unreasonable delay.

To appeal a denied or underpaid claim, you'll need to provide evidence that supports the validity and value of your claim. This may include your insurance policy, photographs of damages, repair estimates, medical records, proof of income loss, and any correspondence with the insurer. Our legal team at Murray Law Group can help you collect and present the necessary evidence to strengthen your appeal.

Common reasons for denial include policy exclusions, insufficient documentation, late filing of the claim, or allegations that the damage was pre-existing. Sometimes, insurers may deny a claim in bad faith, hoping that the policyholder will not contest it. If your claim has been denied for any reason, it's worth consulting with an attorney to review the denial and determine if you have grounds for an appeal.

While you can handle a claim denial on your own, having an attorney can significantly improve your chances of success. Insurance companies have teams of adjusters and lawyers working to protect their interests, and navigating the appeals process can be complex. An attorney from Murray Law Group can provide the expertise and advocacy needed to challenge the denial and pursue the compensation you deserve.

At Murray Law Group, we take a comprehensive approach to helping clients with denied or underpaid claims. Our legal team reviews your case, gathers evidence, and develops a strong strategy to challenge the insurance company’s decision. We handle all communication with the insurer and work tirelessly to ensure you receive the full compensation you are entitled to under your policy. Call our firm today at 1-855-269-4317 for a free consultation.