What is the process for appealing an insurance claim denial?

The process for appealing an insurance claim denial in Florida starts with filing a written Notice of Appeal with the insurance company. The Notice of Appeal should include the policy number, the date of the denial letter, and the reason the claim was denied. The insurer must then provide the claimant with the complete details of why the claim was denied and any internal appeal process available. The claimant can also file a complaint with the Florida Department of Financial Services by filing a completed Complaint Form. The Department will investigate the claim’s validity and the actions of the insurance company. If the claim is denied by both the insurance company and the Department, the claimant may opt to have the case heard in court. In Florida, the claimant has the right to hire an attorney to pursue the case. If the court finds in favor of the claimant, it can order the insurance company to pay the full amount of the claim. In Florida, claimants have one year from the date of the insurance company’s denial to initiate an appeal. If the appeal is not filed within the one-year period, the right to appeal is lost. It is important for claimants to be aware of the timelines for filing an appeal to ensure their rights to do so are preserved.

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What is the process for appealing an insurance claim denial?

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