What is an opportunity to repair a claim?

An opportunity to repair a claim is when an insurance company gives the policyholder the chance to fix an issue or situation that caused the claim to be denied or reduced. In Florida, this typically occurs when an insurance company decides that an insured individual or company has violated a policy provision or acted in an inappropriate manner. When the insurance company provides an opportunity to repair a claim, it is giving the insured a chance to amend their actions and provide additional evidence or documentation which will prove that they are entitled to a full or partial insurance claim. This may include providing proof of financial responsibility for property damage, providing medical records which show the party had a valid claim, or offering additional evidence which shows that the insured party has acted in good faith. In some cases, an opportunity to repair a claim may also provide the insurance company with the chance to review the claim more thoroughly to ensure that the insurer is making a correct assessment of the situation and that any payments made are appropriate.

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