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When you're faced with a property insurance claim dispute, you deserve fair compensation for your losses without the hassle and stress that insurance companies create. At Murray Law Group, we understand the challenges policyholders face during insurance claim disputes. We are dedicated to providing our clients with the knowledge and support they need to navigate the complex world of insurance claim and arbitration.

Filing an insurance claim can be a complicated endeavor. Even in the best scenarios, disagreements between policyholders and insurers can arise regarding the final resolution of a claim. While litigation can be employed in these situations, arbitration has become an increasingly prevalent method for resolving insurance coverage disputes. Both approaches have their distinct advantages and disadvantages. Some insurance policies now require arbitration as the primary means of addressing claim disagreements. Unfortunately, mandatory arbitration clauses can occasionally be exploited to benefit insurance companies at the expense of policyholders.

Every policyholder should be cautious of mandatory arbitration clauses in insurance policies, as they can limit the policyholder's rights on various aspects, such as the filing and appeal timeframe, awarded compensations, and more.


In the realm of insurance claims, insurance arbitration serves as an alternative to litigation for resolving disputes over claims. In this process, both the insurer and policyholder select a neutral third party, called an arbitrator, or an arbitration panel, to deliver a decision based on the available facts. Following the conclusion reached by the arbitrator or panel, an arbitration award is issued. This award may be legally binding and can encompass not only the amount of the covered loss but also fees, additional damages, and/or required remedial measures to address the disagreement. The arbitration outcome can be either binding or non-binding.


In cases of binding arbitration, both parties consent to accept the decisions made by their agreed-upon arbitrator or panel. The arbitrator will listen to arguments from both parties, examine all relevant claims and evidence, and determine the final result. This decision is conclusive, with no possibility for appeal.


In non-binding scenarios, both parties agree to have their case reviewed by an arbitrator or panel. The arbitrator will evaluate the circumstances and deliver a decision. The parties are then free to accept or reject the decision. If the decision is not accepted, the case may proceed to court. Arbitration may be preferable in some instances due to its faster and less expensive nature compared to court proceedings. However, some insurers have chosen to implement compulsory arbitration clauses within their policies. Such clauses can potentially disadvantage policyholders by restricting both the time period in which a party can submit or appeal an arbitration, as well as the awards granted.

Why Do Insurance Companies Include Arbitration in Their Policies?

There are a few key reasons why insurance companies include arbitration clauses in their policies:

  1. Arbitrator Bias: Some arbitrators tend to work for the benefit of the insurance company to secure repeat business. This conflict-of-interest results in arbitrators seeking to favor the companies that frequently use their services, leaving you, the policyholder, at a disadvantage.
  2. Time Considerations: The arbitration process can be faster compared to litigation.
  3. Cost: Arbitrating a claim may be less expensive than going to court.
  4. Confidentiality: Depending on the policy language, arbitration proceedings can be confidential, which can protect the insurance company from public scrutiny.
  5. Control: Arbitration allows parties significant control over the process, such as selecting the arbitrator and choosing the applicable rules.

Why is it Important to Have an Attorney Represent You in the Arbitration Process?

Investing in proper legal representation for insurance claim arbitration is crucial in protecting your interests. A knowledgeable insurance claim attorney can help you:

  1. Understand your rights and your insurance policy provisions.
  2. Gather and present crucial evidence supporting your claim.
  3. Negotiate effectively and assertively with your insurance company.
  4. Ensure the arbitration process is conducted fairly and impartially.

How Can Murray Law Group Help You in the Insurance Claim Arbitration Process?

At Murray Law Group, we put our clients' needs first. Our team of experienced insurance claim attorneys will work to ensure that your rights are protected every step of the way. We will:

  1. Review your insurance policy and provide expert guidance on your coverage issues and policy provisions.
  2. Prepare and organize all the necessary documentation, evidence, and witness testimonies.
  3. Represent you in all negotiations and proceedings with your insurance company.
  4. Advocate aggressively on your behalf, seeking to secure the best possible outcome on your claim.

Don't face insurance claim arbitration alone. When you're faced with an insurance claim dispute that involves the arbitration process, it's essential to have the right legal team behind you. That's where Murray Law Group comes in. As experienced insurance claim attorneys, we are here to guide you through every step of the arbitration process and ensure you receive the outcome you deserve.

Creating Positive Outcomes


Despite accepting premiums and issuing policies, it is not uncommon for insurance companies in Florida to deny coverage for claims. There are different reasons an insurance company may give for denying your claim, some may be valid while others are not. An insurance company may be engaging in bad faith insurance practices when denying valid claims — especially if they are denying claims in an effort to increase profits to the detriment of their policyholders.

Below is a list of reasons your insurance company may give you for denying your claim:

  • The claim was not filed timely
  • Lack of property insurance levels
  • Insufficient evidence to support payments
  • Lack of documentation provided
  • Policy exclusions limit coverage
  • Unpaid policy premiums

Although you may not have the ability to stop an insurance company from denying your claim outright, you can take steps to minimize the chances of a claim denial if you do the following:

  • File a claim right after the incident
  • Request a copy of your policy
  • Comply with the duties after loss section of the policy
  • Provide the documents and records requested
  • Take steps to protect the property and mitigate damage
  • Pay your premiums on time
  • Keep records of all repair costs and expenses incurred
  • Know what your policy covers and excludes
  • Engage professionals to represent your interests

Several factors are essential in selecting an insurance claim attorney. When choosing an attorney, you should hire someone who has experience and a good reputation in the legal community. Review online reviews to see what other clients are saying about the attorney’s services. You should consider the experience and expertise of the attorney handling the claim and how many trials and/or arbitrations the attorney has handled. All these factors are crucial to consider when hiring an attorney. Choose an attorney after careful consideration and after speaking with the actual attorney who will be assisting you.

Murray Law Group attorneys work most insurance claim cases on a contingency fee basis. This means there is no payment owed for attorney’s fees or costs to you unless we win your case. We will hire industry experts and engage the professionals necessary to build the most convincing case for you. Murray Law Group understands that in-depth expert analyses can make or break your insurance claim and that is why we work with the best in the industry.


Connect with us today to speak with one of our insurance claim attorneys. We will provide a free comprehensive assessment and review of your claim. Contact Murray Law Group by calling 1-855-269-4317 today for a free consultation with an experienced Florida insurance claim attorney.



Murray Law Group’s Florida insurance attorneys have recovered hundreds of millions for thousands of clients in Florida. Our award-winning team has the expertise and in-depth knowledge to build strong cases for victims of bad faith insurance claims.