Even though you may have made all of your monthly premium payments for your homeowners, automobile, commercial or health insurance policies on time for years, this does not guarantee that your insurance carrier is going to promptly, or at times ever, pay you the benefits to which you are entitled after a compensable loss. The reasons provided by insurance carriers to document their denial of benefits can be many. Your insurance contract may be full of holes which the carrier's adjuster will be only too happy to attempt to crawl through if there is a chance that they can save their company money by avoiding paying you in full on your claim. Another common tactic is to make the claims process so complicated and time consuming that you just give up and go away.

Fortunately in Florida, insurance companies must not only live up to the contractual obligations imposed upon them by their contract of insurance with you, but they must also follow a entire host of regulations set by the state of Florida with regard to the payment of claims. If you feel that your insurance company has:

1. refused to pay a legitimate claim,
2. failed to notify you of other coverages which may be available to you for your loss,
3. made seemingly impossible, unreasonable, or repetitive demands to provide them with information or documentation in the processing of your claim, or
4. otherwise acted improperly,

you may have a claim of Bad Faith against your insurance company. If you are successful in a claim of bad faith against an insurance carrier, that carrier may by held responsible for an amount far in excess of its original policy limits, as well as for the costs associated with asserting your claim of bad faith, including attorneys fees.