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Tampa Insurance Law

Insurers owe a duty to their insureds to pay valid first party claims, or to settle or defend third party claims. Yet insurance companies also have a duty to their shareholders to operate prudently and efficiently. Fulfilling these duties means that all claims should be thoroughly investigated, with benefits paid only where coverage and liability are clear and the amount involved is accurately established. HD Law Partners represents insurance carriers and individuals involved in insurance disputes. Additionally, the firm provides defense of claims alleging insurance bad faith, contact our Tampa insurance attorneys today.

Coverage Disputes

HD Law Partners represents clients from filing through appeal across a range of insurance lines, including commercial general liability, bodily injury, uninsured motorist, homeowners and other property damage policies. Our practice includes first party, third party and subrogation claims. In determining whether coverage exists, we conduct a thorough review of the policy as well as the facts underlying the claim to determine:

  • Is coverage in order? Was the policy in effect during the loss?
  • Were the terms of the policy complied with and if not, what is the effect of the non-compliance?
  • Is the policy coverage applicable to the claim at hand?

The firm provides opinions and advice in furtherance of assessing coverage and determine future handling. We can help determine potential exposure, trial strategies, as well as the value of the claim. Where a dispute over coverage remains, we represent clients in declaratory judgment actions and/or litigation under a reservation of rights. The firm’s representation extends from claims investigation and examinations under oath (EUO) to trial and appeals.

Extra-Contractual Liability

Refusing to settle when liability is clear or refusing a reasonable settlement demand that is within policy limits, can expose an insurer to liability for any excess verdict over policy limits in the event the carrier loses at trial. We fight to make sure insurers are not penalized for acting reasonably and in good faith in their interpretation of obligations under the policy and attempt to represent their insured’s best interests.

Professional Florida Homeowner’s Insurance Lawyers

When damage occurs to a home, either through weather events or as the result of unforeseen conditions, the homeowners’ insurance policy helps to protect them against certain losses. Unfortunately, it is not uncommon for claims to be filed which overstate the actual amount of damages involved, or even how they occurred. At HD Law Partners, our litigation attorneys have over 40 years’ combined experience in handling all types of insurance claims that are typically filed in Florida, and can help ensure claims are not exaggerated, duplicated, disconnected, as well as those that are more rightfully the responsibility of another party. We work closely with insurers to thoroughly investigate each situation and review key policy provisions, helping your company avoid costly overpayments, contact our Tampa insurance attorneys today.

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