When a loved one passes away, the last thing you expect is for the life insurance company to delay or deny payment of benefits. Unfortunately, this happens more often than many families realize. If you’re dealing with a denied or delayed claim in Florida, you may have the right to file a lawsuit against the insurance company to recover the benefits your family deserves.
Common Reasons Life Insurance Claims Are Denied in Florida
Insurance companies sometimes look for ways to avoid paying out full benefits. Common reasons for denial include:
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Alleged misrepresentation on the application (such as health history or lifestyle).
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Policy exclusions (like death during certain activities or within a contestability period).
- Disputes over beneficiaries or unclear policy language.
Not all denials are valid, and many can be successfully challenged in court.
Steps Before Filing a Lawsuit
Before heading straight to court, it’s often necessary to:
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Request a written denial letter from the insurer.
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Review the policy language to understand coverage and exclusions.
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Submit an internal appeal if available.
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Consult with an experienced life insurance attorney to evaluate the strength of your case.
If the insurer continues to wrongfully deny or delay payment, litigation may be the only option.
Filing a Lawsuit in Florida
When you file a lawsuit against a life insurance company in Florida, you’re essentially bringing a breach of contract claim. The policy is a binding agreement, and if the insurer refuses to pay without a valid reason, they may be held liable in court.
In some cases, you may also bring a bad faith insurance claim if the insurer acted unreasonably, unfairly, or in violation of Florida insurance laws. This can open the door to recovering not only the policy benefits but also additional damages and attorney’s fees.
Why Legal Help Matters
Life insurance companies have teams of lawyers and adjusters working to protect their bottom line. Having an attorney who understands Florida insurance law helps level the playing field. A lawyer can:
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Investigate the denial.
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Gather evidence and expert opinions.
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Negotiate directly with the insurer.
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File suit and represent you in court if needed.
Bottom Line
Filing a lawsuit against a life insurance company in Florida can feel overwhelming, but you don’t have to face it alone. If your claim was wrongfully denied or delayed, you may have strong legal options to recover the benefits your family is entitled to.
Have you or someone you know been denied a life insurance claim? Contact Florida 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 Miami Attorney Gonzalez-Sirgo directly at jp@yourattorneys.com or by text at (305) 929-8935.
