There are two main ways you could have a problem with an insurance company in Florida. The first is that the insurer could deny your claim for some unstated or unclear reasons. The second is that your policy could be written in such a way that you do not get the coverage you expected or that you need.

Both situations can be frustrating. Both can potentially lead to legal action. Sometimes, it is difficult to decide whether you have the basis for a suit against your insurance company, so here are a few red flags you should look out for.

1. If the company denies your claim

If you have a reputable insurer, the company probably would not deny your claim if you make it according to their rules. However, it is important to remember that either you or your insurance company could have made an honest mistake. If you are early on in the rejection process, it is probably best to pursue the internal review process -- a task that can sometimes be far from simple. 

If you have suspicions about the reputability of your insurance company, there could be many reasons for the denial of your claim. The company could be trying to delay you or set up bureaucratic barriers to paying out. In the worst-case scenario, there may be no intention to cover your damages.

2. If you have a problem with your policy

It may seem like a minor distinction, but it is often a completely different problem when an insurer denies coverage that appears to be in your policy. This could mean the company worded documentation in a misleading manner to promise coverage it never intended to follow through on.

You deserve payment if you complied with all the rules in your insurance contract. Even if your denial seems to fall into one of the most common categories of rejected claims for home insurance, you may want to investigate challenging your rejection. Many insurance companies typically favor their own interests when in doubt making policy decisions -- make sure you do everything you can to get an impartial decision.

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