Switch to ADA Accessible Theme Close Menu
Free Initial Consultation
protected by reCAPTCHA Privacy - Terms
Florida Personal Injury Lawyers > Jacksonville First Party Storm Damage Lawyer

Jacksonville First Party Storm Damage Lawyer

When you buy homeowner’s insurance, you pay regular premiums to the insurer so that you’re protected in the event of a storm that causes property damage. You may be shocked when the company refuses to pay out your claim, especially when you suspect the reasons for denial are deceptive or dishonest.

Fortunately, Florida law protects homeowners from bad faith insurance tactics. Our Jacksonville first party storm damage lawyers at the Pendas Law Firm can explain the relevant laws and will fight for your rights as a policyholder.

How First Party Storm Damage Claims Work

In a typical homeowner’s insurance party, you stand in the position of a first party and the insurance company is the second party in the relationship. The contract is between you and the insurer directly, so you will file a first party claim if you suffer financial losses from a weather-related event. Your insurance company will pay out the relevant amount to cover your losses upon approval of a lawful, qualifying claim.

The problem is that some insurers don’t uphold their end of the bargain when it comes to first party insurance claims. They may contest the amount, cause of the damage, or other details, so they avoid paying out on the claim. In some situations, the insurance company actions are proper; however, in others, these acts amount to bad faith. Under Florida law and rules of the Florida Office of Insurance Regulation (FOIR), you’re entitled to good faith and fair dealing. Bad faith is illegal and provides you with remedies as a policyholder.

Signs of Bad Faith When Filing First Party Storm Damage Claims

Since not all actions by insurers rise to the level of bad faith, you should discuss your circumstances with a knowledgeable lawyer. However, there are some signs to watch for if you suspect misconduct by your insurance company. Examples include:

  • Failing to investigate the storm damage;
  • Not making a determination on whether the damage to your home is covered;
  • Refusing to pay the proper value after you’ve provided adequate documentation;
  • Failing to acknowledge receipt of your claim;
  • Not communicating with you about the status throughout the process;
  • Handing off your claim to others within the company;
  • Failing to respond to your claim within 14 days after you’ve provided notification, as required by law;
  • Citing loopholes in your policy to justify non-payment;
  • Failing to pay an approved claim within 20 days, as required by law; and,
  • Other suspicious acts.

Your Rights as a First Party Claimant

You can file a complaint with FOIR regarding insurance bad faith in a first party storm damage claim, but the law also allows you to seek civil remedies to recover for your damages. In general, you must prove that insurance benefits were withheld by the insurance company, and that the insurer’s reasons for doing so were unlawful.

Consult with a Jacksonville First Party Storm Damage Lawyer

Insurance companies are bound by Florida law when it comes to paying out rightful claims, so you do have rights if your interests were affected by bad faith. To learn more about your legal options and remedies, please contact the Pendas Law Firm. We can schedule a consultation to review your situation and take appropriate action.

Share This Page:

Read What Others Have To Say About Us

  • “I'm very happy with this firm... Joel is an excellent attorney and Carolyn is an amazing paralegal, After been ditched from another law firm, Pendas took care of me and they won my case. I recommend them 100%...” - Jacksonville -

    Maria Pastor
  • “This law firm is amazing. I love how they always try to stay/keep in contact with you. It shows that they really care and want everything taken care of correctly, Thank You!...” - Orlando -

    Shantelle Blackwell
  • “I'm very thankful for all the attention of all the Pendas staff that took care of my case and helped me through the process, thanks for your patience, collaboration and comprehension!...” - Tampa -

    Carlos Guadalupe
  • “The Pendas Law Firm was amazing! They are very kind, professional, and hard-working! They always kept me informed. Larry Trias was great to work with! I always recommend Pendas to family and friends. Thank you for helping me with my case!” - Fort Myers -

    Heather Pepper
  • “Their attorneys are absolutely someone you want handling your car accident claim. They communicated with us promptly and thoroughly. I was very happy with our recovery. Their staff speaks Spanish and you feel like family.” - Orlando -

    Ian Brito
  • “I would definitely recommend this firm. The staff really helps you and they actually show you that they care, especially Siomara Roldan. She has been a great help for my family and myself, she is always helpful with any questions.” - Tampa -

    Wilmer D Santana Rodriguez
  • “Pendas is the best! The paralegals are very attentive to your case, knowledgeable, and communicative! The attorney also won’t just be there the day of your sign up, but all throughout the process as needed. I truly recommend Pendas!” - Orlando -

    Ben Fitzgerald