Insurance Claims FAQ

Why is insurance coverage important?

When should I hire an insurance coverage attorney?

Why should I hire the Davis Law Firm for an insurance case?

Why is my insurance company suing me?

When should I sue my insurance company?

What types of insurance cases does Davis Law Firm handle?

What types of insurance policies does the Davis Law Firm handle?

Q: Why is insurance coverage important?

Insurance coverage is important because, without coverage, your business could be left exposed to a large judgment, incur substantial fees to defend a lawsuit, or unknowingly forfeit coverage rights that are rightfully yours.  If you’re sued and the insurance company denies coverage for the claim, the expenses and liability could potentially bankrupt your business.  The need is even more obvious when your insurance company decides to sue you in a declaratory action.  Don’t accept the often-incorrect coverage determination by the insurance companies; let us evaluate whether your case is covered and guide you on how to proceed.  We will consult with you at no initial charge. 

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Q: When should I hire an insurance coverage attorney?

The need for insurance coverage counsel often arises when you incur a direct loss like property damage (first-party coverage), or someone sues or makes a claim against you or your company (third-party coverage).  The most obvious need for a coverage attorney comes when the insurance company denies coverage for a claim outright or reserve their rights to deny coverage at a later time.  In these situations, you need a coverage attorney. 

If you are sued directly by your insurance company in a declaratory action (often in federal court), you need to hire a coverage attorney immediately.  They want the court to declare that their coverage denial is correct and, without a coverage attorney, that won’t be hard. In addition to situations where you are being sued by your insurance company, the following are common situations where you should also hire a coverage attorney:

Last, hiring an attorney with vast coverage experience is prudent if you are making a claim against another company.  Notably, the company you’re suing likely has insurance—but the company’s insurance company won’t pay unless there is coverage.  A coverage attorney helps you frame your case against the other company in the light most favorable to making sure your claim is covered. 

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Q: Why should I hire the Davis Law Firm for an insurance case?

Our experience handling insurance coverage litigation for insurance companies for years, combined with our extremely reasonable fees, and knowledge of getting the insurance company to settle and pay claims, makes hiring the Davis Law Firm the clear choice in insurance coverage matters.  Also, since policyholders are entitled to reimbursement of their attorney’s fees if they win an insurance coverage lawsuit, it is in your financial interest to hire the best coverage attorney that you can find.  Don’t just hire an attorney who dabbles in insurance coverage; hire one that handles these issues every single day.

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Q: Why is my insurance company suing me?

Often times, litigation is necessary to determine whether there is coverage for a certain claim under the policy.  Your insurance company gets the courts involved because an insurance policy is a contract, and it’s up to the court to determine whether the insurance company is required to honor the contract or not.  

When your insurance company initiates the suit, it sometimes means that they are “unsure” of their coverage position and they want the court to make a decision.  We know the tactics that will help you win the case against your insurance company. We may even cause the insurance company to re-evaluate its position or settle your case.  Simply because they initiated a lawsuit does not mean that you don’t have a chance to win.  In fact, the opposite may be true. 

Litigation over insurance issues can be initiated by the insurance company or the policyholder.  The insurer usually sues when it does not want to pay a claim under a third-party insurance policy, such as a liability insurance policy. In those situations, your business is often also being sued in a liability lawsuit (such as an injury on your premises), and the insurance company does not want to pay the injured party’s claim.  So, the insurance company will sue you for a declaration of coverage.  In other words, not only are you being sued by an injured party, you’re also being sued by the insurance company in a different lawsuit!

When the insurance company sues you, we know the best way to defend your case and to get the insurance company to uphold its obligations under the policy. 

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Q: When should I sue my insurance company?

Sometimes, in order to hold insurance companies accountable, the policyholder must initiate the lawsuit.  This can put pressure on the insurance company to pay the claim or be required to back up its coverage denial in front of a court.  Although the time to sue varies from case to case, we know when the time is right to file a lawsuit against your insurance company and the steps that need to be taken in preparation before filing suit.

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Q: What types of insurance cases does Davis Law Firm handle?

We have litigated numerous insurance cases in state and federal courts throughout Florida and Georgia.  We often litigate over issues regarding denial of insurance coverage, underpayment of claims, delays in payment of claims, and bad faith by the insurance companies.  When it comes to litigating insurance issues in Florida and Georgia, we have handled claims that involve:

  • Commercial General Liability (CGL) Insurance Claims
  • Professional Liability Insurance Claims
  • Malpractice Insurance Claims
  • Errors and Omissions (E&O) Insurance Claims
  • Directors and Officers (D&O) Insurance Claims
  • Construction Defect Claims
  • Homeowner’s Insurance Claims
  • Condominium Insurance Claims
  • Property Damage Claims
  • Personal Injury Claims
  • Theft Insurance Claims
  • Business Interruption Claims
  • Life Insurance Claims
  • Disability Insurance Claims
  • Auto Insurance Claims
  • Health Insurance Claims
  • Employer Liability Claims
  • Rescission of Insurance Policy
  • Bad Faith Claims

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Q: What types of insurance policies does the Davis Law Firm handle?

We litigate and advise on issues involving a number of different types of policies, including: commercial general liability insurance (CGL), business liability insurance, general contractor insurance, subcontractor insurance, homeowner’s insurance, hurricane insurance, windstorm insurance, commercial property insurance, builders' risk insurance, automobile insurance, boating insurance, motorcycle insurance, theft insurance, professional liability insurance, directors and officers (D&O) insurance, errors and omissions (E&O) insurance, life insurance, health insurance, disability insurance, umbrella insurance, excess insurance, and first and third party bad faith claims.  Call us today to see if we can help you recover the money from the insurance company that you deserve.

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The Davis Law Firm is located in Jacksonville, Florida and serves clients throughout the states of Florida and Georgia, including Jacksonville, Miami, Pensacola, Orlando, Tampa, St. Petersburg, St. Augustine, Fort Myers, Daytona Beach, Panama City, Destin, Melbourne, Fort Lauderdale, West Palm Beach, Tallahassee, the Florida Keys, and everywhere in between.

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231 East Adams Street, Jacksonville, FL 32202
| Phone: 904.400.1429

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