Insurance Law

Insurance Law Attorneys in Fort Lauderdale, FL

Helping Clients Obtain Justice from Insurance Companies

Insurance companies routinely misapply and/or misinterpret language in their policies to deny valid claims. Many times, unsuspecting policyholders receive a denial letter and feel there is nothing they can do; their insurance company will not cover the loss.

However, a thorough review of their policy is warranted. Insurance adjusters are trained to find a reason—or excuse—to deny claims. Often, they skew policy interpretations and improperly cite exclusions or exceptions to coverage that do not apply to a policyholder's situation.

Salas Law Firm is here to help if you have been wrongfully denied insurance coverage. Our attorneys are well-versed in insurance law and have a wealth of experience reviewing insurance contracts and navigating claims, particularly those involving property damage. We routinely secure coverage for clients that they might not have gotten without our insights and advocacy.

Call (954) 420-6406 or reach out online to discuss how we may assist you. We serve clients throughout Broward County, including Fort Lauderdale and Plantation. We also serve Naples and nearby areas.

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Comprehensive Insurance Law Solutions How Can We Help?

Common Reasons Insurance Companies Deny Claims

There are many reasons why insurance companies may deny a claim. Some of the most common that our Fort Lauderdale insurance law attorneys handle include the following:

Policy exclusions: Insurance policies typically feature exclusions that limit coverage for certain losses. The exclusions must be outlined clearly and cannot be added after the fact.
Unreasonable interpretation of language: As mentioned above, insurance adjusters may intentionally misinterpret policy language to deny a claim. An example of this could be citing vague or ambiguous terms to support a denial.

Lack of proper documentation: Insurance companies may request extensive documentation to support a claim. If it is not provided or does not meet a certain standard, they could deny coverage.
Failure to disclose all information: Insurance companies can deny claims if they believe the policyholder did not disclose important information when applying for coverage.
Delay in filing a claim: Insurance companies could deny coverage if a claim is not submitted by a specified deadline.
Pre-existing conditions: Some insurance policies exclude coverage for "pre-existing conditions," meaning they will not cover damage stemming from an issue with a property or building that had existed before the policy was purchased.
Neglect: If an insurance company believes a policyholder's neglect caused losses or damage, they could deny coverage.
Failure to maintain: Some policies require policyholders to maintain certain conditions or take specific precautions to prevent losses or damage, and if these are not met, coverage might be denied.
Minimal damage not covered by deductible: If the cost to repair damage falls below a policy's deductible, insurance companies can deny coverage.

Steps to Take if Your Insurance Claim Is Denied

If you believe your insurance company should not have denied your claim, do not wait to seek justice. Take the following steps to pursue the coverage you need:

Contact an attorney to review your policy and discuss your options for getting recourse. Lawyers like ours at Salas Law Firm can provide valuable insights about why a claim may have been denied and help you take action.
Gather all documentation related to your claim, including the denial letter, your policy, and any supporting evidence or communication (professional damage inspections, repair receipts, emails between you and your insurance adjuster, etc.).
File an appeal with the insurance company, if possible, providing additional evidence or arguments to support your claim. The guidance of a lawyer can be highly beneficial as you do this.
Consider filing a lawsuit against the insurance company for bad faith practices. Only take this step after consulting a knowledgeable insurance law attorney, as the laws and regulations surrounding bad faith claims are complex.

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Excellence in Law, Unwavering Ethics What Sets Salas Law Firm Apart?

We're a Spanish-Speaking Team
We pride ourselves on delivering high-quality legal counsel in both English and Spanish across a wide range of practice areas, including Real Estate, Business, and Contract Law.
Comprehensive Legal Expertise
At Salas Law Firm, we offer expert legal guidance not only in Real Estate Law but also in Business and Contract Law, ensuring your legal needs are covered from every angle.
Your Trusted Advisor

Whether handling complex real estate transactions, business contracts, or foreclosure defense, Salas Law Firm provides comprehensive legal services across various practice areas.
Full-Service Legal Support

From real estate transactions and title services to business law and contract disputes, Salas Law Firm offers comprehensive legal support across multiple areas.

Protect Yourself Against Unfair Insurance Practices

Insurance companies are not always on your side, even though you pay them for protection. If you believe that your claim was unfairly denied, do not hesitate to seek help. Our Fort Lauderdale insurance law attorneys work tirelessly to hold insurance companies accountable and fight for our clients' rights. We take on cases involving all types of properties, from commercial storefronts to condominiums, and damage, including fire, water, wind, and hurricane.

Discover what we can offer you in a virtual or in-person consultation. To start with us, call (954) 420-6406 or submit our online contact form.

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Let’s Talk Solutions

Need legal guidance? Reach out to Salas Law Firm today for a consultation. We’re here to help you navigate your legal matters with confidence.

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Read firsthand experiences from those we’ve had the privilege to serve, and see how our dedication and expertise make a difference.

"A Dedicated Legal Team You Can Rely On"
JP Salas and his team are responsible, hard-working, and experienced. Their commitment ensures great results, making them highly recommended!

- Lorena C.
"Personalized Legal Service You Can Trust"
JP Salas Law provides a smooth, stress-free legal process tailored to client needs, ensuring excellent results every time. Highly recommended!

- Yuly V.
"Your Ally in Insurance Disputes"
Salas Law excels in representing clients against insurance companies. JP Salas’s expertise and responsiveness lead to fair settlements every time.

- Van & Maggie
"Exceptional Representation for City Fines"
Salas Law Firm successfully reduced a $23,000 fine to $4,290! Their professionalism and expertise make them a highly recommended choice for legal needs.

- Elena V.