Florida Insurance Bad Faith Claims Are Rising: Know Your Rights When Your Insurer Lets You Down

This July, news headlines across Florida are filled with stories of families and businesses struggling to recover after severe weather—from hurricanes on the Gulf Coast to flooding and hailstorms throughout the state. Sadly, many Floridians are facing a second wave of hardship when their insurance companies delay, deny, or underpay legitimate claims. In 2025, lawsuits against Florida insurers for “bad faith” practices are at an all-time high.

What is insurance bad faith under Florida law?
Florida insurance companies are legally required to handle your claim honestly and fairly. When an insurer puts its own profits ahead of policyholders by denying, delaying, or lowballing valid claims without a reasonable basis, it’s called insurance bad faith—and you have powerful legal rights to fight back.

Examples of insurance bad faith in Florida include:

• Unreasonably denying a hurricane, flood, or storm damage claim
• Delaying payment without good reason
• Failing to investigate your claim promptly and thoroughly
• Misrepresenting your policy’s coverage under Florida law
• Offering much less than your claim is actually worth

At Moore Payne Law, we know how stressful it is to fight your insurance company when you’re already dealing with property damage in Florida’s unpredictable climate. Our Florida insurance bad faith lawyers have years of experience holding insurance companies accountable and securing the compensation our clients deserve across the state.

What Should You Do If Your Claim Is Denied in Florida?

If you believe your Florida insurance company is acting in bad faith:

1. Document everything: Keep detailed records of all your communications, claim forms, and policy documents.
2. Request a written explanation: Florida law requires insurers to provide clear reasons for denial or delay.
3. Consult a Florida bad faith lawyer: Insurance companies often back down when a skilled Florida insurance attorney is involved.

Moore Payne Law can review your Florida policy, investigate your insurer’s actions, and take legal action if needed—including filing a lawsuit for additional damages under Florida’s bad faith statutes.

How Moore Payne Law Helps Florida Policyholders

Our law firm stands by Florida policyholders, not insurance companies. We offer:

• Free consultations for denied or delayed claims in Florida
• Aggressive advocacy against unfair insurance practices statewide
• A proven track record of successful settlements and verdicts for Florida clients

Don’t let your Florida insurance company take advantage of you. If you suspect bad faith, contact Moore Payne Law today. We’re here to protect your rights and help you get the coverage you paid for under Florida law.