Policyholders pay good money to secure the coverage insurance companies promise to provide through their policies. When insurance companies sell an insurance policy, they promise to act in good faith and deal fairly with their insured. When a loss occurs, policyholders expect their insurance companies to deliver on their promises. Unfortunately, that is not always the case.
When you purchase an insurance policy, whether it is a homeowners, automobile, liability, life insurance, or any other type of policy, you are entitled to the full benefits of the policy when you have a covered claim. The rights of policyholders against their insurance companies are based primarily on the insurance policy and corresponding endorsements, but the policyholders may also have rights derive from the general duty of good faith that the law imposes on insurance companies when dealing with their policyholders.

At times, the language in the insurance policy drafted by the insurer, or the application of the facts of the case to that language, could result in legitimate disagreement between the carrier and the policyholder regarding coverage. However, in many instances, what seems like a straightforward claim for a loss covered under the policy, is transformed into an adversarial, time-consuming dispute for no legitimate reason.

Disputes often arise because insurance carriers interpret the coverage outlined in the policy too narrowly and the exclusions too broadly as a way to avoid paying claims. There are often substantial financial advantages for insurance companies to deny or delay claims, and insurance companies often:

Unreasonably delay or deny payment of valid claims.

Retroactively cancel policies when claims are made.

Fail to fairly and thoroughly investigate claims.

Fail to settle a claim when it should have and could have done so.

Fail to settle a claim when it could and should have done so in light of the circumstances.

Deny a claim arguing that the policyholder failed to comply with “conditions” of the policy

Deny a claim broadly applying “exclusions” to coverage contained in the policy

Deny a claim claiming that misrepresentations were made when the policy was purchased

Deny a claim based on either missed or late insurance premium payments

Unfortunately, insurance carriers know that very few people dispute the insurers’ decisions to deny or underpay their claims. Claims denied and closed represent big money savings for the insurance companies. Many times, justices delayed, is the equivalent of justice denied. Policyholders may find themselves in precarious situations for months or years, without the insurance benefits they are entitled to receive. Therefore, you should never give up on your rights when you have a valid claim. At the very least, you should consult an experienced attorney that could explain your rights and help you decide whether to accept an unfair settlement offer. Additionally, if the insurance company refuses to pay or unreasonably delays your payment, you may have a “bad faith” action against the insurance company.


Insurance companies have their adjusters, appraisers, representatives and lawyers employed to look after their interests. You should have someone fighting for your rights too. If you are struggling with an insurance company over unpaid or underpaid insurance claims or if the insurer unreasonably delayed or denied payment, call us now for a free consultation. The Remudo Law Firm is here to help.

The experienced insurance attorneys at the Remudo Law Firm know how to investigate, document, and present both insurance policy disputes and bad faith claims against insurance companies. We represent individuals, families, and business owners in coverage disputes against their insurers involving:

  • Auto Insurance
  • Homeowner’s Insurance
  • Property Insurance
  • Boat Insurance
  • Commercial general liability coverage
  • Directors’ and officers’ insurance
  • Errors and omissions insurance
  • Liability and casualty insurance
  • Life insurance

If your insurance company has delayed, denied, or only partially paid a claim, you may be entitled to pursue a First Party Action to obtain the benefits available under your insurance policy. In some cases, the insurance company of the party responsible for your injuries or damages is the one delaying, denying or underpaying your claim, and refuses to act reasonably to settle the claim. Whether you are facing a dispute with your own insurance company (First Party Actions) or the insurance company of the party responsible for your injuries or damages (Third Party Action), the attorneys at REMUDO LAW FIRM are committed to tenaciously fighting for your rights against insurance companies that refuse to act in good faith. Contact the Experienced Insurance Attorney at Remudo Law Firm Don’t let the insurance company’s excuse to deny or underpay your claim stands as the last word about your rights.


contact us

Monday to Friday 9:00am - 5:00pm

T: (305) 423-6203

F: (305) 459-1819


780 NW LeJeune Rd.
Suite 619
Miami, Florida 33126

Skip to content