Insurance Disputes

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Helping Policyholders & Businesses Resolve Complex Insurance Claims

When an insurance company delays, undervalues, or denies a valid claim, policyholders and businesses may be left struggling with unexpected financial burdens. Disputes over coverage, liability, and bad faith practices can make it difficult to get the compensation you deserve. If you are facing a complex insurance dispute, having an experienced attorney on your side can make all the difference.

At Finlay Law Firm, we represent individuals, businesses, and property owners in Miami, Coral Gables, and throughout South Florida in insurance disputes, claim denials, and bad faith litigation. With over 15 years of experience, Attorney Javier Finlay fights to ensure policyholders receive the coverage and benefits they are entitled to under their insurance policies.

We Handle Common Insurance Disputes

Insurance disputes arise when insurers fail to honor their agreements, leading to delays, underpayments, or outright denials. We handle cases involving:

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Denied or Underpaid Claims

Insurance companies often wrongfully deny or reduce payouts for valid claims, leaving policyholders without necessary financial support.

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Bad Faith Insurance Practices

If an insurer delays payment, misrepresents policy terms, or unfairly denies a claim, they may be acting in bad faith and could be held legally accountable.

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Coverage Disputes

Disagreements over what is and isn’t covered under an insurance policy can lead to prolonged battles with insurers.

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Property Damage & Business Interruption Claims

We represent homeowners and businesses in disputes over hurricane damage, fire damage, flood claims, and losses due to business interruptions.

Insurance Disputes FAQ

Answers to Common Questions About Insurance Disputes

  • What can I do if my insurance claim is denied?

    First, review your policy to understand your coverage. If you believe the denial was unfair, you have the right to challenge the decision and pursue legal action if necessary.

  • What is insurance bad faith?

    Bad faith occurs when an insurance company wrongfully denies, delays, or mishandles a valid claim. Policyholders may be entitled to compensation beyond the original claim amount if bad faith practices are proven.

  • How long do I have to dispute a denied insurance claim in Florida?

    Deadlines vary depending on policy terms and the type of claim, but in many cases, you must act within a few months to preserve your right to dispute the denial. Consulting a lawyer early strengthens your case.

  • Can I sue my insurance company for a denied claim?

    Yes. If your insurer wrongfully denied, underpaid, or acted in bad faith, you may have legal grounds to file a lawsuit for breach of contract and damages.

  • What other insurance disputes may require legal action?

    Beyond standard claim denials, policyholders may face disputes over deductible miscalculations, exclusions buried in policy language, premium overcharges, and failure to defend in liability cases.