A policy of insurance is a very complex contract. For decades the interpretation of an insurance policy's language has been the subject of great controversy between the policyholder and the insurance company. Whether a commercial or personal policy, the language of the insurance contract is always accompanied by terms outlining the coverage available and limiting those coverage by "Exclusions," "Definitions," "Conditions," "Obligations," and other restrictive terms. The limitation of coverage created by such terms are frequently surprising to the policyholders whose expectation of coverage is usually much broader.
Florida is among a few states that allows insurance companies to perform a "second look underwriting" by permitting cancellation of a policy after a claim is presented if the insurance company determines that the policyholder made a misrepresentation on the insurance application. Cancellation for misrepresentation on the insurance application is a very tricky subject because the policyholder is often cooperating with the insurance company after a claim, in compliance with the policy language that obligates the policyholder to cooperate as a condition for coverage. Under these circumstances, however, the policyholder is unaware that the insurance company has hostile motives and is looking for facts that could trigger an exclusion or cancellation of the policy.
The variety of controversies and disputes between policyholders and insurance companies have led lawyers to develop expertise in litigating and solving the disputes that arise from insurance contracts and their interpretation. We recommended that you contact an attorney as soon as you receive a coverage denial or limitation on the amount recoverable.
Over the past three years, The Pinkert Law Firm has handled the defense of hundreds of insurance claims from the initiation of the claim to final outcome, either through settlement or trial. We at The Pinkert Law Firm can help you evaluate any coverage denial and assist in the resolution of any dispute. In some cases we are able to recover our fees directly from the insurance company. Under some circumstances, we charge the client only if we are successful in obtaining the desired coverage. Contact The Pinkert Law Firm today to see how we can help with your unique situation.
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