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PLEASE NOTE: To protect your safety in response to the threat of COVID-19, we are offering our clients the ability to meet with us in person, via telephone, or through video conferencing. Please call our office to discuss your options.


When Your Insurance Company Refuses To Pay Your Claim

Insurance is a big business with strong profit motives, meaning companies will sometimes go to extreme lengths to avoid paying claims.

Because of the complexity of insurance policies and the language used in them, the assistance of an attorney is strongly advised in cases of refusal to pay.

An insurer may have said you have no coverage or your damages do not exceed the deductible, but that may not be correct. Don’t just take the insurer’s word for it.

Don’t Let Your Insurer Duck Out Of Its Responsibility To You

Resolution of these disputes is complicated and can depend on the wording of the insurance policy, the particular facts of the incident and the applicable state law. The hiring of an experienced insurance litigation attorney can save you thousands of dollars.

If your insurance company is refusing to pay a claim, you should speak with insurance litigation attorney Kim Wells. He has more than 29 years of experience handling insurance disputes and is prepared to protect the rights of policyholders.

What Can I Do If My Insurance Company Refuses To Pay My Claim? Do I Have Any Rights?

When an insurer refuses to pay a legitimate claim, delays payment or pays less than the full value of the claim, it is a breach of contract by the insurer. In some cases, the insurer has no legitimate reason for its actions and is simply acting in its own best interest, not that of the insured.

In Florida, you can sue your insurance company for breach of contract. If the claim is properly preserved and the insurer has acted improperly in the handling of your claim, after you prevail in the contractual action, you may be able to sue your insurer for bad faith.

Recovery is usually available against your insurer for the damages arising from the insured event, including out-of-pocket expenses and attorney’s fees.

Note: Not all cases involve bad faith claims, and not all bad faith claims lead to punitive damages. We can help you understand this distinction and whether it applies to your situation.

Is It Expensive To Hire A Lawyer?

NO! Wells Law Group, P.A., works on a contingency basis. This means we advance the costs of investigating and bringing the case to a resolution — be it in court or by settlement. If we achieve a successful resolution, you pay us only a fee and repay our advanced costs from the amount we recover for you.

No recovery, no fee.

In some cases, the court will even award an attorney fee and costs so there is no deduction from what you recover!

Call Now To Make An Appointment

To schedule a free initial evaluation with an attorney from our Tampa law office, call 813-413-7377 or send us an email. When you retain our services, you can rest assured that you will work with our managing attorney and an experience paralegal who will make sure all your questions, concerns and needs are addressed properly.