When an insurer does not handle a valid claim in good faith.

What this covers

• Unreasonable denial of a valid claim.
• Unreasonable delay in investigating, evaluating, or paying a claim.
• Underpayment or lowball offers not supported by a fair evaluation of the loss.
• Failure to handle a claim with the care the law requires of an insurer.

What to expect

A bad-faith claim is different from the underlying coverage dispute: it looks at how the insurer behaved in handling the claim, not just whether the loss was covered.

We evaluate the insurer conduct, the applicable statutory and common-law standards, and whether the facts support pursuing a remedy beyond the amount owed under the policy.

Further reading — the pre-suit step that opens the door to a first-party bad-faith claim in Florida, and how to spot unfair claims handling: From claim to Civil Remedy Notice: how a homeowners claim becomes a bad-faith case  ·  Claims-handling red flags: a high-level primer for adjusters and claims professionals