Bad Faith Insurance Claims

There are several different instances in Florida when a lawsuit can be filed against an insurance company for engaging in “bad faith” conduct.  First party “bad faith” involves the obligations an insurance company owes to their own policyholder.  If you file a claim with your insurance company for property damages, your insurer has several obligations which include settling the claim in a reasonable amount of time.  In the event the insurance company places its own interest above its policyholder we may, when proper, pursue punitive damages against the insurer in an insurance bad faith lawsuit after the withheld payments are recovered in the underlying lawsuit. 

STRUBLE attorneys have successfully prosecuted many bad faith insurance claims.  Some examples of an insurer’s wrongful business practices include delaying claims, issuing low-ball claim payments, ignoring additional coverages available such as for Mold and Additional Living Expenses, using an insured’s need for other coverages to leverage a settlement and wrongfully using policy conditions to delay or deny claims.  After identifying an insurer’s wrongful use of such tactics, STRUBLE attorneys have successfully forced many insurers to pay extensive damages resulting from the wrongful handling of claims.  In several instances, we have forced the insurance companies to pay our clients claims for property damage and then pay additional extra-contractual damages.

The following are examples of some of the recoveries STRUBLE, P.A. has made for clients in bad faith claims.

Bad Faith Recovery – $345,000 Recovered

Our client’s home sustained water damage and the insurer contended that the amount of the claim was less than $5,000.  We ultimately filed a bad faith lawsuit against the insurer which resulted in total additional payments of $345,000 which primarily consisted of bad faith damages related to the insurer’s low-ball claims payment and wrongful handling of the claim.

Bad Faith Recovery – Ten Times the Contractual Damages Amount

Our client’s home sustained water damage and after the insurer was forced to issue payment for repairs we filed a bad faith lawsuit related to the insurer’s wrongful conduct during the handling of the claim.  The bad faith lawsuit was settled for over ten times the amount of the contractual damages owed for repairs. 

Bad Faith Recovery – $250,000 Recovered Above Contractual Claim Amount

Our client’s home sustained water damage and the insurer contended approximately $10,000.00 was owed.  After the insurer was forced to pay substantially more for repairs we filed a bad faith lawsuit which resulted in a total recovery of $250,000 for bad faith damages above the claim amount.

Bad Faith Recovery – Four Times Claim Amount

After forcing an insurance company to issue additional payment for our client’s claim, we filed a bad faith lawsuit related to the insurance companies low-ball payment and claim delay.  A total settlement was obtained for four times the contractual claim amount.

Bad Faith Recovery – Three Times Claim Amount

Our client received a low-ball claim payment and we ultimately filed a bad faith lawsuit. STRUBLE, P.A. forced the insurance company to pay extra-contractual damages nearly ten times the contractual amount the insurer contended was owed and nearly three times the full amount of the contractual damages owed.

Bad Faith Recovery – Five Times Claim Amount

The insurance company issued a low-ball payment after our client sustained damage from a roof leak and contended that exclusion prohibited further recovery.  STRUBLE, P.A. filed suit which was ultimately amended to assert a bad faith claim which resulted in the insurance company issuing extra-contractual damages of approximately fifteen time the amount it claimed was owed for contractual damages and approximately five times the amount owed for contractual damages due to the insurance company withholding additional coverages owed during the adjustment of the claim.

Bad Faith Recovery – Three Times Claim Amount

Our client received a low-ball claim payment and we ultimately filed a bad faith lawsuit. STRUBLE, P.A. forced the insurance company to pay extra-contractual damages nearly ten times the contractual amount the insurer contended was owed and nearly three times the full amount of the contractual damages owed.