Homeowners in Florida may want to review their insurance policies whether or not they were personally impacted by Hurricane Micheal. This is because previous hurricanes have led to rate increases by insurance companies no longer operating in the state at all. According to the owner of one Tampa insurer, changes made since 2004 make such extreme scenarios unlikely. New companies coming into the market may provide consumers with the ability to shop around if their rates do go up.

Those who haven't filed claims in the recent past may be able to find an insurer who offers a lower rate. The reason why the insurance market was so volatile in 2004 and 2005 was because of a lack of re-insurance. This is essentially insurance for the coverage providers themselves, and the state government eventually stepped in to ensure that proper adjustments were made.

If a home experiences damage, it may be possible for a homeowner to file an insurance claim. In some cases, insurance denials occur because the damage a home experiences isn't covered by the policy. However, there are times when insurance companies make mistakes or deny claims in bad faith. Those who have had their claims denied are generally entitled to appeal those decisions. This can be done on their own or with the help of an attorney.

An attorney may be able to represent an individual during the process of disputing a denied claim. In some cases, it may be necessary to take an insurance company to court to compel it to abide by the terms of the policy it sold to a homeowner. In some cases, homeowners may be entitled to additional damages if an insurance company acts in bad faith.

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