When a loved one passes away, families often rely on life insurance benefits to cover funeral expenses, mortgage payments, and other financial needs. Unfortunately, many Florida families face an added burden when life insurance companies delay or deny valid claims. If this happens to you, it’s important to understand your legal rights under Florida law and how to challenge unfair insurer tactics.
Common Reasons for Claim Delays or Denials
Insurance companies may delay or deny claims for several reasons, including:
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Alleged misrepresentation on the application – Claiming the policyholder failed to disclose medical history or lifestyle habits.
- Cause of death disputes – Investigating whether the death falls under an exclusion, such as suicide or dangerous activities.
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Contestability period investigations – Extra scrutiny when death occurs within the first two years of the policy.
While some reasons may be legitimate, insurers often stretch these justifications to avoid paying.
Your Rights Under Florida Law
Florida law provides important protections for beneficiaries, including:
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Timely Claim Processing – Insurers must acknowledge and process claims promptly. Unreasonable delays may violate Florida’s Unfair Insurance Trade Practices Act.
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Good Faith Obligations – Life insurance companies must act in good faith when investigating and paying claims. Bad faith practices, such as stalling or ignoring evidence, may open the door to additional legal remedies.
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Contestability Limits – After two years, insurers generally cannot deny coverage based on alleged misstatements in the application (except in cases of fraud).
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Right to Appeal or Sue – If your claim is wrongfully denied, you can file an internal appeal with the insurer or take legal action in Florida courts.
Steps to Take if Your Claim Is Delayed or Denied
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Request a Written Explanation – Demand a clear explanation for the delay or denial.
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Gather Policy Documents – Keep copies of the policy, premium records, and any correspondence with the insurer.
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File a Complaint – You may file a complaint with the Florida Department of Financial Services.
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Consult an Attorney – A Florida life insurance lawyer can challenge the insurer’s decision, negotiate a settlement, or file a lawsuit if necessary.
How an Attorney Can Help
An experienced Florida life insurance attorney can:
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Investigate whether the denial was lawful.
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Demand timely responses from the insurer.
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File a bad faith insurance claim if the company acted unfairly.
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Represent you in court to pursue the benefits you deserve.
Conclusion
If your life insurance claim has been delayed or denied, you don’t have to face the insurance company alone. Florida law provides strong protections for beneficiaries, and legal help can make the difference in securing the financial support your family needs during a difficult time.
Have you or someone you know been denied a life insurance claim? Contact Florida Life 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.
