Suing an Insurance Company for Denying Coverage in Florida: What You Need to Know

4/25/2025 | 4 min read

Introduction

When an insurance company denies coverage in Florida, the impact can be financially devastating. Many policyholders don’t realize they have the right to challenge the decision and, if necessary, sue the insurance company for acting in bad faith. This article explains what to do when your insurance claim is denied and how you can take legal action to recover the compensation you deserve.

Why Insurance Companies Deny Coverage in Florida

Insurance companies often deny coverage for various reasons, some legitimate and others not. Common reasons include:

Claiming the damage isn't covered under the policy
Alleging the policyholder made errors on the application
Arguing that the damage is due to lack of maintenance or wear and tear
Misinterpreting policy language
Delay tactics or paperwork loopholes

If the denial is unfair or made in bad faith, you may have legal grounds to sue.

Florida Law on Insurance Denial and Bad Faith

Receiving a denial on your house insurance claim can feel overwhelming and frustrating. After paying premiums for years, a rejection can leave you wondering what to do next. But don’t worry—you have options. Whether you’re dealing with storm damage, water leaks, or fire damage, understanding why your house insurance claim was denied and how to appeal can make all the difference. This guide will walk you through the steps to challenge a denial and improve your chances of getting the payout you deserve. Common Reasons Why House Insurance Claims Get Denied Insurance companies, including homeowners insurers, deny claims for a variety of reasons. Understanding these common causes helps you avoid mistakes and prepare a stronger appeal. Lack of Coverage: Sometimes, the damage isn't covered by your policy. For example, flood damage often requires separate insurance. Late Filing: Every policy has deadlines. If you file your claim too late, it may be automatically denied. Incomplete Documentation: If you didn’t provide enough proof of the damage, they might reject your claim. Pre-Existing Damage: Insurers may argue that the damage existed before the event you filed the claim for. Policy Exclusions: Many policies list specific situations they don’t cover, like neglect or wear and tear. ✅ Tip: Always review your policy carefully before filing a claim, and keep records of everything. Step-by-Step Guide on What to Do After a Denial

In Florida, insurers are required to act in good faith when handling claims. If they fail to do so, they can be held accountable under Florida Statute 624.155. Bad faith can include:

Failing to investigate the claim properly
Delaying payment without justification
Denying a valid claim without explanation

When you sue for bad faith, you may recover not only the amount owed under the policy but also additional damages, attorney fees, and even punitive damages in some cases.

Steps to Take if Your Insurance Claim is Denied in Florida

Review Your Policy: Carefully read the coverage details, exclusions, and limits.
Request a Written Denial: Ask your insurer for a formal explanation of the denial.
Gather Evidence: Collect photos, receipts, repair estimates, and any correspondence with your insurer.
Contact a Public Adjuster or Attorney: They can assess the claim and help you determine whether a lawsuit is appropriate.
File a Complaint: Consider filing a complaint with the Florida Department of Financial Services.

How to Sue an Insurance Company in Florida

Hiring an Independent or Public Adjuster

If negotiations fail, you may need to take legal action. Here are the basic steps:

Consult with an Insurance Lawyer: Choose an experienced attorney who focuses on insurance disputes.
Pre-Lawsuit Requirements: Florida law may require a Civil Remedy Notice to be filed before suing.
File the Lawsuit: Your attorney will file a formal complaint in civil court.
Litigation and Settlement: Many cases settle out of court, but some may go to trial.

How Louis Law Group Can Help

Louis Law Group has helped Florida policyholders recover millions from denied insurance claims. With a deep understanding of insurance laws and claim disputes, our team can:

Evaluate your case for free
Deal directly with the insurance company on your behalf
File lawsuits to recover what you're rightfully owed

Our experienced attorneys ensure your rights are protected every step of the way.

Tips for Strengthening Your Insurance Claim in Florida

Document Everything: Keep detailed notes and correspondence.
Act Quickly: Florida law has deadlines for filing disputes.
Avoid Giving Recorded Statements Without Legal Advice: Insurance companies can use these against you.
Get Professional Help: Hire a public adjuster or attorney early on.

Frequently Asked Questions

Q: Can I really sue my insurance company for denying coverage in Florida?

Yes. If your insurer acted in bad faith or wrongly denied your valid claim, you can file a lawsuit.

Q: How long do I have to file a lawsuit after a denial?

Florida law generally gives policyholders up to 5 years, but the sooner you act, the better.

Q: What damages can I recover in a lawsuit?

You may be entitled to the original claim amount, attorney fees, and potentially more if bad faith is proven.

Q: Do I need a lawyer to sue an insurance company?

It's highly recommended. Insurance law is complex, and having a legal advocate greatly improves your chances.

Conclusion

Facing a denied insurance claim in Florida is frustrating, but you're not powerless. By understanding your rights and taking action quickly, you can fight back against unfair practices. With the help of experienced legal counsel like Louis Law Group, you can challenge a wrongful denial and potentially recover full compensation.

Are you ready to hold your insurer accountable?

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.

How it Works

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We like to simplify our intake process. From submitting your claim to finalizing your case, our streamlined approach ensures a hassle-free experience. Our legal team is dedicated to making this process as efficient and straightforward as possible.

You can expect transparent communication, prompt updates, and a commitment to achieving the best possible outcome for your case.

Free Case Evaluation

Step 1: Submit Claim

Briefly describe your incident and see if you fit our criteria in just 2 minutes.

Step 2: Await a Communication

One of our legal team members will send you a text message to look deeper into your case.

Step 3: Secure Your Case

Once you opt to work with us, documents can be finalized via text, email, or directly in person.

Let's get in touch

833-657-4812

290 NW 165th Street, Suite M-500, Miami, FL 33169