What is a First-Party Claim? First-party insurance claims are those that occur directly between a policy holder and their insurance company. For example, an individual with homeowner’s insurance that covers fires would themselves file a claim with their provider to cover damage and repairs. If the claim is honored, the insurance company will then compensate the homeowner according to the specific terms that were laid out in the policy. Knowing the exact terms and what is covered under your insurance policy is extremely important. Simply trusting that the insurance company is right when they choose to deny your claim may be a huge mistake. In order to save money, they often deny your claim for a variety of reasons that may not be valid. If they do this, they may be acting in bad faith and breaching the contract that they made. You may have cause to take legal action and fight for the compensation that you are rightfully owed. Some examples of the insurance company acting in bad faith include:
  • Denying your claim without a legitimate reason
  • Delaying compensation for an unreasonable amount of time
  • Failing to promptly reply to a claim
  • Harassing or intimidating the policy holder
  • Failing to provide a reasonable explanation for the denial
  • Failing to properly investigate the claim

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If your claim has been denied, reach out to our Florida insurance lawyers WHWG Legal. We will not let you be intimidated or unfairly treated by the insurance company and, if your claim is perfectly legitimate, we are dedicated to tirelessly fighting to make sure that it is honored through the appeals process.