In Florida, “bad faith” refers to unreasonable or unfair conduct by an insurance company. Examples of bad faith include:

• Unreasonable denial or termination of an insurance claim that should have been paid
• Unreasonable delay in making payments to the policyholder
• Unreasonable failure to defend a policyholder who has been sued under a policy containing a liability provision
• Unreasonably attempting to under-settle or lowball the payment of a claim.

How Do I Know I have A Bad Faith Insurance Claim?

When you purchase an insurance policy, whether for life insurance, disability insurance, homeowners insurance, or any other type of policy, you are entitled to the full benefits of the policy if you have a covered claim.

If the insurance company refuses to pay or if it delays your payment, you may have a bad faith insurance claim.

What Are My Rights Under My Insurance Policy?

An insurance policy is a contract. In simple terms, you pay the premium and the insurance company must pay the benefits if the conditions specified in the policy occur. Every insurance policyholder has the legal right to make sure that his / her policy and its contractual agreements are upheld in full.

What Should I Do if My Insurance Company Is Denying Coverage or Delaying Payment?

You should seek legal advice immediately. Some cases are easy and quick to handle while others may require aggressive legal actions against the insurance company.