Panama City Insurance Dispute Attorney
Former claims adjuster fighting for clients in insurance disputes throughout Florida
Your insurance policy is a contract. You agree to make monthly premium payments, and the insurance company agrees to cover the losses defined in the policy. Insurance companies market peace of mind, but when their legitimate claims have been denied or underpaid, too many policyholders are left feeling confused and with their trust betrayed. If you should encounter a dispute with your insurance company over a claim for property damage from Hurricane Michael, a fire or any other covered catastrophe, you might be considering filing an insurance bad faith claim.
At Warhurst Law, you will find unparalleled experience and expertise when you work with Gene Warhurst. Added to his many years of experience as an insurance adjuster and claims manager, Mr. Warhurst decided to become a lawyer. One of the 7 professional insurance certifications Mr. Warhurst has received is the Chartered Property Casualty Underwriter (CPCU®), a certification usually obtained by insurance company CEOs. A CPCU is an insurance professional who is a property-casualty insurance subject matter expert who has met the education and experience requirements and promises to abide by a code of professional ethics which places their clients’ needs before their own.
Now, as a Panama City insurance dispute attorney, he can leverage his insurance and legal education, experience and training to help policyholders recover the proceeds of their policy and any additional compensation they are owed. If you are facing a dispute over an insurance claim, schedule a consultation with Warhurst Law, who will fight for you.
What types of insurance claims disputes does the Warhurst Law Firm handle?
Insurance companies do not always play fair, and they often rely on the lack of knowledge on the part of policyholders. Therefore, it is vital that you work with a knowledgeable Panama City insurance dispute attorney who is thoroughly familiar with the purposefully convoluted language of insurance policies and who can recover the proceeds of the policy that are due to you.
- Condominium claims including owners and HOAs
- Commercial/business loss claims
- Bad faith claims
What to do after a hurricane
Panama City, Florida was catastrophically devastated after Hurricane Michael, a category 5 storm raged ashore in October 2018. We are still in the process of removing the storm debris that was left after Michael blew through here last year. FEMA (Federal Emergency Management Agency) is helping private property owners to clear the hurricane-related debris from their property.
Because of our location, regardless of your best efforts to protect your property from storm damage, Mother Nature will likely cause some level of damage depending on the type and category of hurricane. The following are steps you can take after the storm has passed:
Take photographs and video of the storm damage to the property including all the structures, the roofs, and windows. Take photos inside the buildings room by room to document the damage each space has sustained. It is also helpful to make a list of the damaged property and items to accompany the pictures.
Protect property that has sustained damage. If an entire section of the roof on a building is missing, do your best to cover up the opening with a tarp to protect the interior of the building from additional damage.
Call your insurance company and file a claim right away. Some insurance companies have an app which you can use to submit your pictures and video and inventory list of damaged items. Fill out the claim form thoroughly and submit it to the insurance company immediately.
Local Panama City insurance companies that serve local residents
The following is a list of some of the Panama City insurance companies that serve the area:
- Brown Insurance Services
- Blackwell Insurance
- Daffin Insurance
- Brian Taylor Insurance
- Andrews Insurance Agency
- Liberty Mutual Insurance
- Geico Insurance
- State Farm Insurance
- Allstate Insurance
- Affordable Insurance Group
- People’s First Insurance
- Nationwide Insurance
What is a public adjuster?
The Division of Insurance Agent and Agency Services of the Office of the Chief Financial Officer for the state of Florida has oversight for public adjusters. Public adjusters work for policyholders for a fee, or they receive a percentage of the claim for helping policyholders prepare and file an insurance claim, negotiate the settlement of a claim.
A public adjuster must be at least 18-years old, be a Florida resident, a U.S. citizen, or legal alien with authorization to work in the U.S. and he or she must not hold a resident license in another state. A public adjuster must be licensed as an all-lines adjuster and have at least six months experience as a public adjuster apprentice. Public adjusters must file a $50,000 surety bond, be fingerprinted, fill out an application and pass an examination. Attorneys who are licensed in Florida are exempt from the requirement to obtain a license, but if they want to become a public adjuster, they must take and pass the examination.
Work with an experienced Panama City hurricane lawyer when you are facing an insurance dispute
If you have ever tried to read and make sense of your homeowner’s insurance policy, you would know immediately that if you are going to prevail in a complaint against the insurance company, you’d better bring in an attorney with the expertise to know not only the intricacies of the policy’s language, but also the law governing those policies.
There are several circumstances which might inspire you to seek legal counsel for an insurance dispute. Your insurance company may have given you a lowball settlement offer for your claim, the company might have denied your claim, or you feel that they are using delay tactics and not honoring your policy. Before you sign anything or agree to anything, you would do well to consult with a Panama City hurricane claims lawyer from Warhurst Law who will review your case and advise you of the legal options available to you.
What damages are available in a Florida insurance dispute claim?
Per Florida Statute 624.155, if your case is adjudicated in your favor, you may recover damages which include court costs and reasonable attorney fees as compensatory damages. Punitive damages may also be available in cases where the insurance company’s actions were willful, wanton and malicious, the company displayed reckless disregard for the rights of the insured or of a beneficiary under a life insurance contract.
Has your insurance claim for hurricane damage been unfairly delayed or denied? Call Warhurst Law today
When you need to resolve an insurance dispute, you need a Florida insurance dispute attorney from Warhurst Law. To schedule a consultation, please call 251-207-1296 or fill out our contact form. The firm’s office is in Mobile, Alabama but serves clients all over the South including, the Gulf Coast, and the Florida cities of Pensacola, Destin and Apalachicola
* Warhurst Law cannot and does not guarantee an outcome to any case. Results are indicative of previous claims and are not a guarantee about future claims.