Insurance Attorney in Kissimmee

After years of faithfully paying your premiums as a policyholder, you would expect your insurance company to come through with a payment in the event of personal injury or property damage, such as the devastation left by Hurricane Matthew in Kissimmee. Sadly, that’s not always the case. [Insurance disputes](/practice-areas/insurance-attorney/) can arise quite often after an insurance company denies a valid claim or delays payments. The desire to cut costs and generate a greater profit can lead to frustration and financial hardship on the part of the policyholder. Fortunately, there are laws in Florida that protect policyholders from the abusive behavior of insurance companies. These laws can be extremely complex to navigate for the average person, however. If your insurance payout is on the line, you need an experienced insurance dispute attorney to help guide your way. Fill out our [free, no-risk case evaluation form](/free-case-evaluation/) to learn what our [attorneys in Kissimmee](/office-locations/florida/kissimmee/) can do for you. ## Why was My Insurance Claim Denied? There are multiple tactics that insurance companies will use to try to minimize or deny your valid claim, such as using the language of their policies to trick and manipulate their policyholders. They may claim the following: * That the policy itself has a material misrepresentation; * The policyholder failed to pay their policy premiums on time, resulting in a coverage lapsed; or * The injury/property damage falls outside the scope of your coverage. Sometimes, insurance companies will ignore your claims or not even provide a basis for their denial of your claim. In these cases, the insurance company could be considered acting in “bad faith” and neglecting their duty to you, their policyholder. ## Florida’s Insurance Bad Faith Law Florida has an [Insurance Bad Faith Law](http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0624/Sections/0624.155.html) designed to protect policyholders when insurance companies incorrectly deny or undervalue their claims. This law not only allows the policyholder to sue to recover the amounts rightfully owed to them, but also provides additional penalties to the insurance company. These punitive damages are levied in order to punish the insurer and discourage them from acting in bad faith in the future. ## What Types of Insurance Disputes Does Morgan & Morgan Handle? Our Kissimmee attorneys are dedicated to helping clients settle their insurance claims disputes, regardless of the type of insurance or damage. Just a few of the types of insurance disputes handled by the attorneys in our Kissimmee office include: * Hurricane and Windstorm Claims * Homeowners and Business Property Losses * Unfair Claims Handling and Bad Faith * Disability Insurance * Professional Liability Coverage * Errors & Omissions Coverage (E&O) * Personal Insurance Protection * Uninsured Motorist Coverage * Car Insurance Coverage * Health Insurance * Life Insurance * Fire Damage ## How Our Insurance Dispute Attorneys May be Able to Help If your insurance company has denied your rightful claim, it may be time to contact one of our insurance dispute attorneys in Kissimmee. You may be entitled to compensation if the insurance company is found to have acted in bad faith by unfairly denying your claim. Florida’s insurance bad faith law is complex, but our attorneys are well-versed in this area of the law. Fill out our [free, no-risk case evaluation form](/free-case-evaluation/) to learn how our attorneys may be able to help you today.