The insurance policy is a contract between the policyholder and the insurance company. Among other obligations, the policyholder is required to pay a "premium," or the cost of insurance on the property. In exchange, the insurance company is required to properly compensate the policyholder when there is a covered loss. Unfortunately, insurance companies don't always live up to their end of the bargain. In some cases, insurance companies intentionally and wrongfully delay, underpay, or deny covered claims. In Florida, there is a law that is intended to protect policyholders from the insurance company's bad acts, known as "Bad Faith." If your insurance company has intentionally delayed or denied a claim you believe is valid, then they may be acting in bad faith and you may be able to make a claim for damages beyond those covered by your insurance policy. These additional damages are known as "extra-contractual" damages.
Each of us has embedded within us an inherent sense of fairness. If you have a valid insurance claim and you feel that the insurance company has treated you unfairly, then you may be entitled to recover for your claim as well as the additional damages resulting from the insurance carrier's bad-faith actions. Among other rights you have, you can file a "Civil Remedy Notice" (CRN) with the Department of Financial Services, which puts the insurance company on notice of the alleged violation. Once you file a CRN, your insurance company has sixty (60) days to correct the violations or it may be subject to additional damages.
If you have a question about whether your insurance carrier has acted in "bad faith," feel free to call our office and speak with one of our attorneys. We would be happy to answer your questions and provide you with important information about your rights. More than a law firm, we are a legal resource for our clients.
OTHER INSURANCE CLAIMS
Having commercial property insurance coverage for your business is critical. HL Law Group is proud to have developed a reputation for efficiently resolving complex commercial insurance matters. We have the experience to handle any commercial insurance claim you encounter, whether you have a straightforward property loss or a large, complex insurance matter.
CARGO & SHIPPING
HL Law Group has the experience to represent large commercial shipping, distribution or logistics companies and other companies for whom the shipment of goods is an integral part of their business, as well as small businesses and individuals. Whether a personal item sent though UPS or Fed Ex is damaged in transit, or if you experience damage to goods shipped for your business, large or small, straightforward or complex, we can help.
LUXURY & COMMERCIAL TRANSPORTATION
Our attorneys can act as counsel for commercial transportation carriers seeking compensation for property damage, whether in litigation or pre-suit through alternative dispute resolution, and we can represent you in cases ranging from complex, catastrophic losses to small property damage claims.
FINE ART, JEWELRY, ANTIQUES & COLLECTIBLES
HL Law Group has the experience, background and industry connections to art valuation experts who provide us with the information we need to properly value your loss and work to obtain full coverage under your policy. Whatever your treasured possession, we can assist you in ensuring that you receive the coverage you are entitled to and deserve, pursuant to the insurance policy you have.
HL Law Group understands your insurance policy. We know the provisions being referenced in the letters from your insurance company that describe the coverage you have or denying you for coverage. We can help to equal the playing field and give you the information you need to understand your rights and obligations under the policy.
ERRORS & OMISSIONS
HL Law Group is proud to have developed a reputation for handling complex E&O insurance matters, whether the loss results from professional services rendered or occurs during the course of commercial relations.
Whether you have a standard Business Interruption policy, or a non-standard Event Cancellation policy, you must understand the terms of your policy so that you can determine the scope of coverage provided. HL Law Group has the experience to handle any business interruption insurance claim or event cancellation claim you may encounter.
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ATTORNEYS THAT FIGHT FOR YOU
If you have a question about your insurance claim, whether relating to the coverage you have or information you received from your carrier, feel free to call our office and speak with one of our attorneys. We would be happy to answer your questions and provide you with important information about your policy. More than a law firm, we are a legal resource for our clients.