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Understanding Your Rights as a Policyholder

May 12, 2023

As a policyholder, you have the right to expect that your insurance company will honor its obligations to acknowledge coverage and pay for any covered damages you may experience. Unfortunately, this is not always the case, and sometimes insurance companies may act in bad faith, deny claims, or offer lowball settlements.

At Insurance Litigation Group (ILG), we understand the frustration and stress that comes with dealing with insurance companies. That’s why we want to provide you with a clear understanding of your rights as a policyholder, so you can make informed decisions and hold your insurance company accountable.

The Right to File a Claim

As a policyholder, you have the right to file a claim with your insurance company if your property is damaged or destroyed. You should also expect your insurance company to investigate your claim promptly and thoroughly. If your insurance company fails to investigate your claim or denies it without proper justification, they may be acting in bad faith. 

The Right to Receive a Fair Payment

If your insurance company determines that your claim is covered under your policy, you have the right to receive fair payment to bring your property back to its pre-loss condition. The payment(s) should cover the cost of repairing or replacing your damaged property, as well as any other losses you may have experienced, such as lost income or additional living expenses.

If your insurance company offers you payment that is lower than what you believe you are entitled to, you have the right to negotiate and dispute the insurance company’s assessment of their value of the claim. You can also seek the assistance of an experienced property insurance attorney at ILG who can help you negotiate a fair payment or file a lawsuit if necessary.

The Right to Appeal a Claim Denial

If your insurance company denies your claim, you have the right to appeal the decision. You should receive a written explanation of why your claim was denied, and you should have the opportunity to provide additional information or evidence to support your claim.

The Right to a Prompt Resolution

As a policyholder, you have the right to a prompt resolution of your claim. Your insurance company should handle your claim in a timely manner and keep you informed of the status of your claim throughout the process.

At ILG, we are dedicated to helping policyholders understand their rights and fight for the compensation they deserve. If you are experiencing difficulties with your insurance company, contact us today to schedule a consultation with one of our experienced property insurance attorneys!

Our Offices

We are a client-focused law firm that fights aggressively on behalf of residential and commercial policyholders, contractors, restoration and mitigation companies, to produce maximum recovery results from insurance companies through our unique expertise, deep understanding of insurance law, cutting edge technology and proactive approach to litigation.

Insurance Litigation Group serves clients across the state of Florida. With over 7 offices statewide, our attorneys have the knowledge, skills and experience to resolve your dispute against the insurance company. 

North Miami Beach

1500 NE 162nd St
North Miami Beach 33162

786.529.0090

Orlando*

20 North Orange Ave
11th Floor Suite 1100
Orlando, FL 32801

405.564.8555

Pensacola*

225 N Pace Blvd.
Pensacola, FL 32505

850.919.4357

Naples*

5660 Strand St, #315
Naples, FL 34110

239.237.1818

Fort Pierce*

130 S Indian River Dr
Suite 202
Fort Pierce, FL 34950

772.248.4050

By Appointment Only*

Contact Us

Contact us today about your situation so we can fight to get you paid. We can assist you in any coverage dispute, disagreement over liability or damages, or related matter.

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