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Florida Insurance Coverage Attorneys

Florida Insurance Coverage

  1. Are you aware of the insurance policy you bought? Is the policy’s coverage different from what you were advised that you would receive?
  2. While selling insurance contracts, salespeople present their carrier’s policies in a variety of ways. Insurers employ lists, “summaries,” leaflets, ads, and other writing that they provide to you directly or through their agents in order to explain the claims they will pay for and/or specific coverage(s) included in their policies.

    In many cases, the summaries, leaflets, ads, or lists outline things they will pay for when the reality is that the policy you are mailed months after purchasing coverage do not include some elements described in such literature.

    Insurance coverage is very rarely sold by providing you with an actual policy before your purchase it. As such, you should require the agent or sales rep to describe exactly what you have actually bought. Insurance contracts frequently contain distressing surprises based on actual coverage that varies significantly from what you were initially promised or advised that you were buying.

  3. Are any illegal provisions included in your policy?
  4. Besides issuing policies to insurers that are different from what they were told they would be buying, insurers occasionally construct their insurance contracts in violation of state law. All states prohibit specific coverage exclusions and restriction. When an insurer sells plans in several states, however, situations have developed wherein their multistate coverage violates relevant statutes of some states where their policies are sold.

  5. Has your health insurer eliminated your insurance protection by mis-categorizing your treatment?
  6. Medical health insurance policies usually describe all covered medical care and treatments. In general, however, they do not describe all possible health conditions, treatments, or ailments. The healthcare industry relies upon a standard coding system that describes patient treatments. All codes indicate whether or not, for how long, and how much a health insurer will pay for treatment. If your illness, condition, or treatment is mis-coded, it can result in the loss or major constraint of coverage.

  7. Property Insurance: Did your insurer pick the covered cause(s) if both non-covered and covered causes require replacement or removal of part of home or other building?
  8. The need to remove natural rocks, drywall, or tile and to test air conditioning or heating equipment may arise from a covered or non-covered cause(s). Has your insurer turned a blind eye to the covered cause(s) and denied your claim outright? If so, you need experienced coverage lawyers to scrutinize your policy and sort through the barrage of exclusions, definitions, and coverage. All these factors must be properly pieced together to determine whether your loss is covered.

  9. When signing up for an insurance policy, were you advised that you would get a “short rate” refund (in reality a penalty) if you terminated your insurance coverage before it expired? Were you made aware of your insurer’s “short rate” refund policy when you bought your coverage? Were you advised of your insurer’s “short rate” refund policy when you terminated your plan?

Short Rate Premium Fees in Florida

A “short rate” is the insurance premium rate that an insurer bills the insured if the policyholder terminates his or her policy before its expiration date. Many insurers return a pro-rated amount of the unused portion of their premium. A few insurers impose a fine on policyholders who terminate their plans prior to expiration of the policy term. Companies in the latter group refund the unused portion of the policyholder’s premium at a short rate. Farmer’s Insurance failed to notify a policyholder that later contacted Eppsteiner Law, APC at time of initial policy sale, when sending subsequent renewal notices, or when the insured terminated his plan. Even when they sent his partial premium reimbursement, the still failed to advise the policyholder that he was receiving a “short rate” refund. Is such conduct not misleading and by withholding pertinent information? Eppsteiner Law, APC is investigating Farmers Insurance procedures due to our client having brought the fact to our attention that they were never informed that they would receive only a “short rate” refund upon policy cancellation. Please continue further for more details about this pending investigation.

At Eppsteiner Law, APC, our experience has been that most insurance carriers fail to translate policies in a fair manner that favors the customer. You may sometimes devise effective arguments against your insurance carrier. Even so, you will often need attorneys with experience and knowledge of insurance coverage issues who are able to effectively sort through the mass of provisions, definitions, and exclusions in order to reconstruct the pieces necessary to perfect your insurance plan and receive payment for your claim. If you are unable to get a fair insurance protection coverage settlement on your own and want legal advice from attorneys:

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