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The Law Offices of John D. Ameen Experienced Attorneys Committed to Protecting You

Insurance Claim Lawyers in Fort Lauderdale

Fighting for the Rights of Our Clients Throughout the State of Florida

If your insurance claim was denied, don’t lose hope. The Law Offices of John D. Ameen, P.A. offers experienced legal services to help you fight back and work to obtain the full and fair compensation you are owed. Our Fort Lauderdale insurance claim attorneys utilize over 50 years of combined experience to help build a strong case in support of your needs.

We understand that this is a difficult time. During your free consultation, our attorneys will carefully review your insurance policy to determine a course of action that helps you recover maximum benefits. If a lawsuit is necessary, Florida law requires your insurance company to pay your attorney’s fees and costs.

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How Do I Appeal an Insurance Claim Denial?

If you have filed for an insurance claim and received a denial letter in the mail, it is understandable that you may be feeling overwhelmed and discouraged. If you are sure that you deserve compensation for damages, you may have the option to appeal your claim.

Below are three steps to take after receiving a notice of your claim denial:

  • Step One: Review your claim to ensure there are no errors or ways to improve it
  • Step Two: Think about the option of hiring an insurance adjuster to get an independent appraisal
  • Step Three: If you are unable to reach an agreement with your home insurance company, contact a Fort Lauderdale insurance attorney to assist you

Types of Insurance Claim Disputes We Handle

You’ve suffered an unfortunate financial or physical injury, and the insurance company you trusted to protect you has denied your claim. Despite faithfully paying your premiums, you now find yourself in the unexpected position of fighting for the coverage you already paid for. The skilled insurance claims lawyers at the Law Offices of John D. Ameen, P.A. know how to combat the “delay, deny, defend” tactics insurance companies use to avoid honoring a valid claim.

We regularly take on insurance claim denials related to:

Our lead attorney, Mr. Ameen, offers the advantage of having once represented insurance companies, which allows him truly understand the way they think and plan accordingly. Whether through tough negotiation or aggressive litigation, Mr. Ameen and our entire staff of experienced legal professionals is well-equipped to handle and resolve complex claim disputes.

Our Experienced Team Will Advocate For You

The Law Offices of John D. Ameen, P.A. can help you appeal your denied insurance claim. We can aggressively negotiate with the insurance company in an effort to help you receive maximum financial compensation. Dial (800) 953-2858 now to speak with a member of our team during a completely free and confidential consultation.

Understanding How Insurance Companies Operate

No matter what type of insurance policy you purchase, you are entitled to the full benefits of the policy if you have a covered claim. If your claim is denied, you have the right to challenge that denial in a court of law. Insurance companies are generally held to the standard of what a reasonable insurance company would do under the same circumstances. Your situation will first be surveyed by a claims adjuster. Remember, this adjuster is NOT on your side.

During their investigation, they may:

  • Make you feel as if their only allegiance is to you
  • Offer you a quick and easy settlement before you know the full extent of your damages or injuries
  • Make you sign a medical release allowing them to look into your entire medical history
  • Ask you to give them a recorded statement in order to “lock in” your testimony

Don’t fall into the insurance company’s trap! If you were injured or your loved one was killed in a serious accident resulting from someone’s negligence or misconduct, you are legally entitled to restitution for any injuries and losses you sustained.

Recorded Statements After an Accident Can Hurt Your Claim

Giving a recorded statement to an adjuster is not a good idea. Their questions are designed to get you to say something that can be used against you later. For example, if you said your knee hurt but did not disclose any back pain, they may accuse you of making the back pain up in order to profit from the accident.

An adjuster may ask you how fast the other driver was going. If you respond and say the impact felt like 60 mph, and the facts reveal that the other driver was only going 35 mph, the adjuster will build a case characterizing you as an exaggerator.

If they ask you where the other car came from and you say, “I don’t know,” they can use a he said/she said argument to plausibly excuse the blame from the insurer.

Documenting Your Injuries Is Essential

In Florida, if you have a preexisting injury or condition, you are entitled to recover more money—not less. This is because you are more likely to get hurt and need long-term medical care due to your preexisting condition. It’s important to visit a doctor after an accident and tell him/her every single ache and pain you have so that it can be documented. Disclosing injuries later will have less credibility.

    Appealing Denied Disability Claims

    If you have become disabled due to an injury or illness and are no longer able to work, you are entitled to disability benefits. If you have been denied these benefits, don’t be discouraged. Approximately 7 out of 10 claims for disability in Florida are denied at the initial claim or disability application level. The good news is you can appeal your denied claim in a federal court under the Employee Retirement Income Security Act of 1974.

    There are four steps in the claims appeal process:

    • Reconsideration – Within 60 days of the Social Security Administration’s decision, we will submit a request to have your claim reconsidered by a disability claims examiner who was not involved in the initial review.
    • Hearing – If your claim is in reconsideration, we can request to have the claim reviewed before an administrative law judge in a hearing. During this hearing, you can present your case and include witnesses, experts, and any additional evidence not submitted with your initial claim.
    • Appeals Council – If your claim was denied in the hearing before the judge, we can request another hearing in front of the Appeals Council. The Council will either reverse the judge’s decision and approve your request, order a second hearing, or deny your claim.
    • Lawsuit – If your claim is denied by the Council, you may be able to file a lawsuit in federal district court seeking benefits.

    Are You Experiencing A Property Damage Nightmare?

    Did your home, car, or business suffer damage due to a natural disaster, crime, or accident? Did your insurance carrier deny compensation to help you repair and rebuild?

    As residents of South Florida in the heart of “Hurricane Alley,” we know the devastation storms and natural disasters can cause. We’ve also seen our fair share of serious accidents due to dangerous highways and crimes committed from an increasingly populated coastline. The first step to take toward proving an unfair denial is to gather evidence to support your argument.

    Here are some examples of common property damage in Florida:

    • Automobile accidents
    • Fire damage
    • Water damage
    • Flood damage
    • Windstorm damage
    • Roof damage
    • Structural damage
    • Damage to landscaping
    • Vandalism
    • Theft
    • Sinkhole

    What Evidence Do I Need for My Insurance Claim?

    When you file a claim after an accident in Florida, you will need to provide certain elements of proof in order to have a successful claim.

    These elements of proof could include:

    • Pictures documenting damages
    • Receipts or records of any purchases you made to protect your home (security system, fire alarm)
    • Witnesses’ testimonies

    You can also request independent appraisals if there are disagreements over the value of your property. It’s very important to establish that you are a safe and responsible owner and that there was no negligence or recklessness on your part that caused the damage. If we appeal the claim and it is denied, our attorneys will be fully prepared to take the insurer to court or to a private arbitrator.

    Life Insurance Claim Denials

    Before your loved one passed, they did the responsible thing and bought life insurance to protect and provide for the ones he/she left behind. Ideally, your insurance company would do the right thing and adhere to your loved one’s wishes. If a death occurs within the first two years of the policy, beneficiaries should expect that the policy will be investigated to determine if the deceased misrepresented themselves in the claim.

    Should You Let Your Lawyer Talk to Your Insurance Company?

    Insurance companies get encouraged whenever they get to manage a claim for a policyholder or claimant who is alone. They get worried when they see that a claimant has an insurance claims lawyer, though. Attorneys know what to do, say, and demand in order to get around insurance company tactics that are designed to confuse and frustrate claimants into admitting liability or giving up on their claims after multiple denials or delays.

    Because insurance companies don’t like dealing with attorneys, it is highly recommended that you let your insurance attorney do all of the talking with your insurance company. Once you have hired a lawyer, you no longer have an obligation to speak with your insurer. You can instruct them to redirect all further communications to your attorney, who will act on your behalf and keep you informed as things develop.

    Two main benefits of allowing your insurance claim lawyer to do the talking for you:

    • Fewer complications: Trying to discuss your insurance claim without fully understanding the details of your policy and your state’s liability laws is likely to cause trouble for you. Avoid misspeaking by simply not speaking to the insurer once you hire a lawyer.
    • Less stress: By allowing your attorney to intercept, relay, and respond to all insurance company communications, you can take a step back from the situation, slow things down, and breathe a little easier.

    Did My Insurance Company Act in Bad Faith?

    As a policyholder in Florida, your rights are protected under the Unfair Claim Settlement Practices Act. Your insurance company must handle your claim promptly, reasonably, and in good faith. If your benefits were unreasonably withheld from you, your insurer has acted in bad faith.

    Our job as your legal representation is to prove that the insurance company failed to honor its contract and had no reason to not pay your claim. Florida’s bad faith law is codified in Section 624.155, Florida Statutes. In certain circumstances, the law allows for the recovery of punitive damages, as well as attorneys’ fees and court costs.

    Bad faith insurance claim practices include, but are not limited to:

    • Failing to promptly and thoroughly investigate a claim
    • Unreasonable interpretations in translating policy language
    • Refusing to settle the case or reimburse you for the entirety of your loss
    • Unreasonable denial of benefits to a claim or termination of an insurance claim that should have been paid
    • Unreasonable delay in making payments to the policyholder
    • Unreasonable failure to defend a policyholder who has been sued under a policy containing a liability provision
    • Unreasonable attempts to under-settle or low ball the payment of a claim

    Let the Law Offices of John D. Ameen, P.A. help. Dial (800) 953-2858 or contact us online now to get started with a free and confidential consultation.

    Client Testimonials

    The Opinions that Matter Most
    • “My family loves John as our lawyer.”

      - Yvolon
    • “Great personal injury attorney.”

      - Anthony
    • “John Ameen is a great attorney who wins.”

      - Cindy

    Our Values

    Our Commitment to Clients Across Florida
    • Experienced Former Insurance Defense Attorneys on Staff
    • Spanish & Creole Language Options Available for Clients
    • Direct Attorney Access, Flexible Hours & 24/7 Call Answering
    • Millions of Dollars Recovered from Insurance Companies
    • Personal, Individualized Attention for Each of Our Clients
    • Passion for Making Sure that Every Client is Compensated Fairly
    Take Your First Step Toward Recovery

    Let us help you recover the financial compensation you need to get your life back on track. Schedule a Free Consultation - Programe un consulta gratis - Fè yon konsiltasyon gratis.