At Gonzalez & Cartwright, P.A., our Florida underpayment of claims lawyers understand the challenges policyholders face when their insurance claims are underpaid, denied, or delayed. When you’ve paid premiums faithfully, you deserve to receive the full benefits of your policy without hassle. Unfortunately, insurance companies often prioritize their own profits over their obligations to policyholders, leaving you with less than you’re owed.
Our team of skilled attorneys is here to protect your rights, ensuring you receive fair treatment and the compensation you’re entitled to under your insurance policy. Whether you’re dealing with an underpayment, claim denial, or bad faith practices, we have the knowledge and experience to guide you through the legal process and hold insurers accountable.
Why Choose Gonzalez & Cartwright, P.A.?
Choosing the right law firm can make all the difference in your insurance dispute. At Gonzalez & Cartwright, P.A., our Florida underpayment of claims lawyers focus on helping individuals and businesses recover what they’re owed, no matter how complex their case may be. Our clients trust us because of our proven track record, personalized approach, and relentless advocacy.
Unmatched Expertise
We focus exclusively on insurance disputes, making us experts in this area of the law. This specialization allows us to stay ahead of the tactics insurance companies use to reduce or deny claims. Our attorneys have decades of combined experience handling cases involving underpayment of claims, bad faith insurance practices, and breach of contract disputes.
Aggressive Advocacy
Insurance companies have teams of lawyers working to minimize payouts. We counter this by developing strong strategies tailored to your case and are prepared to take on even the largest insurers. We’re not afraid to take your case to court if necessary. While many cases are resolved through negotiation, our attorneys are seasoned litigators who can fight for your rights in a courtroom.
Personalized Attention
At Gonzalez & Cartwright, P.A., we treat every client as a priority. Unlike larger firms where cases are passed off to paralegals, your case will receive direct attention from our experienced attorneys. We listen to your concerns and work closely with you to develop a strategy that meets your specific needs and goals.
Underpayment of Claims: Your Rights and Options
One of the most common issues policyholders face is underpayment of insurance claims. When an insurer offers a settlement that falls short of covering your losses, it can leave you financially vulnerable and wondering where to turn for help. At Gonzalez & Cartwright, P.A., we are dedicated to helping you address these challenges and recover the full amount you’re owed.
Why Do Insurance Companies Underpay Claims?
Insurance companies are for-profit businesses, and one of their primary goals is to minimize payouts to policyholders. They employ several tactics to achieve this, including:
Lowball Settlement Offers
Insurers often offer settlements that are far below the true value of a claim. This tactic is designed to pressure policyholders into accepting less than they deserve, especially if they are unfamiliar with their rights or feel they can’t afford to fight back.
Policy Misinterpretation
Insurance companies may deliberately misinterpret policy terms to justify underpayment. For example, they might claim that certain damages are excluded from coverage, even if the policy language says otherwise. This tactic relies on confusing or overwhelming policyholders with complex jargon.
Disregarding Evidence
Even when policyholders provide detailed evidence of their losses—such as repair estimates, medical bills, or photographs—insurers may ignore or undervalue this documentation. This allows them to offer a settlement based on their own, often lower, estimates.
Delay Tactics
Insurers may intentionally delay the claims process, knowing that policyholders who are in financial distress might accept a lower settlement out of desperation.
How Gonzalez & Cartwright, P.A. Can Help
If your claim has been underpaid, you don’t have to accept the insurance company’s offer. At Gonzalez & Cartwright, P.A., we take the following steps to help you secure a fair settlement:
Comprehensive Policy Review
We begin by thoroughly analyzing your insurance policy to determine the full scope of your coverage. This includes reviewing the fine print to ensure the insurer is held to every obligation outlined in the contract.
Evidence Collection
Our team works with you to gather all relevant documentation, such as repair estimates, invoices, medical records, and expert opinions. This evidence is crucial in demonstrating the actual value of your claim.
Negotiation with the Insurer
We engage directly with the insurance company on your behalf, using strong evidence and legal arguments to demand a fair settlement. Our attorneys are skilled negotiators who understand how to counter lowball offers and delay tactics.
Litigation, If Necessary
If the insurer refuses to pay what you’re owed, we are fully prepared to take your case to court. Our team has a strong track record of winning favorable verdicts for clients in insurance litigation cases.
Example Success Story
Our firm recently represented a family whose home suffered extensive hurricane damage. The insurance company offered a settlement covering only 60% of the repair costs. After reviewing the policy and presenting clear evidence of the damages, we negotiated a settlement that fully covered the repairs and additional compensation for the delay.
Our Areas of Expertise
At Gonzalez & Cartwright, P.A., we handle a wide range of insurance disputes. Here are just a few examples of the cases we take on:
Claim Denials
When your claim is denied without justification, it can leave you feeling powerless. We investigate the reasons for the denial, challenge the insurer’s decision, and work to ensure your valid claim is approved.
Bad Faith Insurance Practices
Bad faith occurs when an insurer fails to meet its legal obligation to act fairly. Examples include unjustified denials, unnecessary delays, or misrepresentation of policy terms. We hold insurers accountable for these unethical practices, often pursuing additional damages.
Breach of Insurance Contract
When an insurer fails to honor the terms of your policy, it’s considered a breach of contract. Our Florida underpayment of claims lawyers are skilled in enforcing these contracts and recovering compensation for policyholders.
Lowball Settlement Offers
If your settlement doesn’t reflect the true value of your claim, we’ll fight for an amount that accurately covers your losses. We use clear evidence and expert testimony to build a compelling case.
Steps to Resolving Insurance Disputes
When you hire Gonzalez & Cartwright, P.A., we follow a proven process to resolve your insurance dispute:
- Policy Analysis
We carefully review your policy to identify coverage entitlements and ensure the insurer hasn’t violated any terms. - Evidence Gathering
We collect detailed documentation to support your claim, including estimates, invoices, expert reports, and photographs. - Strategic Negotiation
Using the evidence we’ve gathered, we negotiate aggressively with the insurance company to secure a fair settlement. - Litigation, When Necessary
If the insurer refuses to act in good faith, we take the case to court. Our attorneys have extensive trial experience and a history of success in insurance litigation.
Frequently Asked Questions
What should I do if my insurance claim is underpaid?
Begin by reviewing your policy and documenting your damages. Reach out to an experienced attorney to discuss your legal options for challenging the insurer’s decision.
Can I sue my insurance company for underpayment?
Yes, if your insurer has acted in bad faith or breached your contract, you may file a lawsuit to recover the full value of your claim and additional damages, if applicable.
How long does it take to resolve an insurance dispute?
While some disputes can be resolved in weeks through negotiation, more complex cases may take months or longer, especially if litigation is required.
Contact Gonzalez & Cartwright, P.A. Today
Don’t let an insurance company take advantage of you. If your claim has been underpaid, denied, or delayed, contact Gonzalez & Cartwright, P.A. today. Our Florida underpayment of claims lawyers are ready to fight for your rights and ensure you receive the compensation you deserve.