Can I Counter Sue for False Insurance Claims in Florida?

Counter Suing for False Insurance Claims in Florida

When an insurance company like American Integrity wrongfully denies your property damage claim — or worse, accuses you of filing a false claim — you may have legal options to fight back. Florida law provides protections for policyholders who are treated unfairly by their insurance carriers, including the ability to pursue bad faith claims and seek damages beyond your policy limits.

Can You Counter Sue an Insurance Company?

Yes. Florida policyholders can take legal action against insurance companies that engage in bad faith or unfair practices. Common scenarios where counter-action is appropriate:

• Wrongful denial — Your valid claim was denied without a reasonable investigation or based on misapplied policy exclusions.
• False accusations of fraud — The carrier implies or states that your claim is fraudulent without evidence.
• Bad faith delays — The carrier deliberately delays processing your claim beyond the 90-day statutory deadline under F.S. 627.70131.
• Unfair settlement practices — Offering amounts far below actual repair costs to pressure you into accepting less.

Florida Bad Faith Insurance Laws

Two key statutes protect policyholders:

• F.S. 624.155 (Bad Faith) — Allows policyholders to file a civil remedy notice and pursue damages when carriers fail to settle claims in good faith. This can include damages beyond your policy limits.
• F.S. 626.9541 (Unfair Claims Practices) — Makes it illegal for insurers to misrepresent policy terms, fail to investigate claims reasonably, or make lowball offers.

Steps to Take If Your Claim Was Wrongfully Denied

1. Preserve all documentation — Save every letter, email, and phone record from your insurance company.
2. Get an independent damage assessment — Hire a licensed public adjuster or contractor to document the actual scope of damage.
3. File a complaint with the OIR — The Florida Office of Insurance Regulation accepts complaints about carrier conduct.
4. Contact a property damage attorney — An experienced lawyer can evaluate whether you have a bad faith claim and handle the legal process.

Largo and Pinellas County Property Claims

Largo homeowners face property damage from Gulf storms, tropical systems, and severe thunderstorms. Pinellas County's coastal exposure means roof damage, water intrusion, and flooding are common — and carriers like American Integrity frequently dispute these claims.

Neighborhoods across Largo, Clearwater, St. Petersburg, and Pinellas Park all see high volumes of denied and underpaid property claims.

Get Legal Help Today

If your insurance claim was wrongfully denied or you have been falsely accused of filing a fraudulent claim, Louis Law Group can help. We represent policyholders across Pinellas County on a contingency basis — no fees unless we win.

Call (833) 657-4812 or text (786) 436-0687 for a free consultation.