You filed an insurance claim and it was denied. You tried to convince the insurance company to reconsider, but your claim was still denied. If you want to fight your insurance company, the next step is to file a lawsuit over your claim.
If you want to increase the chances that you win your case over your insurance company, then you need to file your lawsuit in a timely manner. Keep reading to learn how long you have to sue over a denied insurance claim.
The Cliff Notes: Key Takeaways From This Post
- 1In Florida, the statute of limitation for filing a lawsuit against an insurance company is five years from the date of loss.
- 2If the insurance claim process is going nowhere, filing a lawsuit may help resolve the issue.
- 3The sooner the lawsuit is filed, the better; witnesses’ memories will remain fresh and help strengthen the case.
- 4Most cases settle early or through mediation, but there is potential for a trial as well.
- 5Get in touch with an insurance dispute lawyer to handle your case and maximize chances of success.
Florida’s statute of limitations is typically five year
The statute of limitations for filing a lawsuit varies by state and even type of case. In Florida, the statute of limitations for a lawsuit against an insurance company for denying an insurance claim is five years. That five-year window starts on the date of loss–in other words when the damage to your property occurred.
Insurance claims aren’t always neatly wrapped up within a few days or weeks of filing. Your insurance company may keep you on the hook for months waiting for the claim process to wrap up.
If you keep trying to move your case forward but receive pushback from your insurance provider, then it may be time to sue. Your case is going nowhere fast and a lawsuit often helps convince insurance companies to stop sitting on your claim.
File a lawsuit if your claim is going nowhere
While you may not have an immediate, pressing timeline to file your lawsuit against your insurance company, you need to contact an insurance dispute lawyer to move the legal process forward as soon as possible. Litigation can take months or years. The sooner you get the process going, the better.
The sooner you file a lawsuit the better
Additionally, filing your lawsuit sooner means the memories will be fresh in your mind and fresh in the mind of your witnesses–people who saw the damage or helped repair it. The better your and your witnesses’ memories, the stronger your case will be.
