Florida Insurance Claim Denial Lawyers For Bad Faith Disputes
When Your Insurer Won't Pay We Fight Back
Policies Have Promises. We Enforce Them.
If you need an
insurance claim denial lawyer in Florida, Wooster Law challenges wrongful denials and lowball offers. We handle auto UM disputes, homeowners damage claims, life insurance denials, and medical necessity fights with clarity and pressure. From Fort Lauderdale and Boca Raton to Palm Beach County, our team pushes insurers to
honor their contracts.
Common Types Of Denied Claims
Where Carriers Say No
Homeowners Insurance
Storm, water, or fire losses denied as pre-existing or excluded. We bring experts to prove covered damage.
Auto Insurance
UM and PIP disputes, medical bill denials, and totaled vehicle value fights. Policy language does not override Florida law.
Life Insurance
Claims denied for alleged misstatements or lapsed coverage. We audit underwriting and premium history.
Business And Renters Policies
Burglary, water, and liability claims underpaid or delayed. We press timelines and documentation standards.
What Is Bad Faith Insurance
Unfair Tactics Have Consequences
Bad faith happens when an insurer fails to investigate fairly, unreasonably delays, or denies without a valid basis. Florida law gives
policyholders tools to hold carriers accountable when they act unfairly. We use
formal notices and litigation to force payment and, when warranted, pursue extra damages and fees.
Policy Analysis
We read the policy, endorsements, and the denial letter line by line.
Ambiguities favor the insured.
Evidence And Experts
Estimators, engineers, and medical specialists counter carrier narratives. Solid proof drives better results.
Appeals And Negotiation
We present targeted demands with timelines and law. Silence or stall tactics are documented.
Litigation If Needed
If carriers refuse to act fairly, we
file suit for breach and potential bad faith. Pressure shifts quickly in court.
Insurance Denial Questions Answered
Your Rights Against A Powerful Company
My claim was denied. What should I do first?
Read the denial letter carefully and note the reason. Gather any missing documents and keep all communications. Then have Wooster Law review your policy and the denial to plan the next steps.
Can I sue my insurance company for denial?
Yes, if the denial is wrongful after you give the insurer a chance to correct it. We typically appeal or send a demand letter before filing suit. If they still refuse, we may pursue breach of contract and bad faith claims when appropriate.
What is bad faith in Florida?
Bad faith occurs when an insurer handles a claim unfairly—such as failing to investigate, causing unreasonable delays, or denying without a valid reason. We can serve a civil remedy notice to give the insurer a chance to correct their conduct, which strengthens a later bad faith case if ignored.
Will I owe attorney fees to fight my insurer?
We work on a contingency basis, so there are no upfront fees. In some cases, Florida law allows recovery of attorney fees from the insurer if you win. We explain all terms clearly before beginning representation.
The insurer offered a small amount. Should I take it?
Lowball offers are common early in a claim. If it does not cover your losses, do not accept it. We evaluate the true value of your claim, negotiate effectively, and, if necessary, pursue litigation to recover full compensation.
Related Practice Areas
When Work And The Road Overlap
Ready When You Are
Wooster Law Levels The Field
From coastal condos in Boca Raton to single-family homes in Fort Lauderdale, we stand up to insurers. Call for a
free case review and a decisive plan.