Hurricane Michael made landfall in Florida in October 2018, and the storm is believed to be responsible for more than $6.9 billion in insured losses. There were 148,347 claims made related to the storm, and of those claims, 20,484 have yet to be resolved according to state authorities. That represents roughly 14% of all claims made related to the storm. In Bay County, 17% of the 88,830 claims related to Hurricane Michael have yet to be resolved.

The insurance commissioner in Florida has warned insurance companies not to delay efforts to close any unresolved cases in a timely manner. He said that their reputation of the insurance industry was at stake as they work to help policyholders. The commissioner told the governor and other state lawmakers that he was concerned over the number of claims that were still outstanding as of July 2019.

Individuals who have homeowners or flood insurance policies may be entitled to compensation for any damage caused to their properties. However, there is no guarantee that an insurance company will approve a wind or water damage claim or do so in a timely manner. Those who feel as if their insurance providers have not acted in good faith may want to consult with an attorney. An attorney may help a policyholder learn more about his or her rights and how to protect them.

Legal counsel may review a policy with an individual to determine if a claim should have been approved. At a minimum, an individual should be told why the claim was denied and how to appeal. With the help of legal counsel, it may be possible to appeal the decision or take the matter to court. Disputes with an insurance company might also be handled through mediation or arbitration.

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