90 Days Post Hurricane Irma: Has Your Insurance Company Fully Paid Your Claim?

J.P. Gonzalez-Sirgo
Founder of J.P. Gonzalez-Sirgo, P.A.

We are now at 90 days plus after Hurricane Irma made landfall in Miami.  Your insurance company is required to complete its investigation of your claim within 90 days of receiving notice of the claim.

Section 627.70131(5)(a) of the Florida Statutes reads:

Within 90 days after an insurer receives notice of an initial, reopened, or supplemental property

insurance claimfroma policyholder, the insurer shall pay or deny such claimor a portion of the claim

unless the failure to pay is caused by factors beyond the control of the insurer which reasonably

prevent such payment. Any payment of an initial or supplemental claimor portion of such claimmade

90 days after the insurer receives notice of the claim, or made more than 15 days after there are no

longer factors beyond the control of the insurer which reasonably prevented such payment, whichever

is later, bears interest at the rate set forth in s. 55.03. Interest begins to accrue fromthe date the

insurer receives notice of the claim. The provisions of this subsectionmay not be waived, voided, or

nullified by the terms of the insurance policy. If there is a right to prejudgment interest, the insured shall

select whether to receive prejudgment interest or interest under this subsection. Interest is payable

when the claimor portion of the claimis paid. Failure to comply with this subsection constitutes a

violation of this code. However, failure to comply with this subsection does not formthe sole basis for

a private cause of action.

If your claim has not been fully paid by your insurance company it is time to consult with an experienced insurance claims lawyer.

You can reach Miami Hurricane Irma Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email Attorney Gonzalez-Sirgo directly at [email protected].

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