Dealing with insurance claims, particularly for commercial claims or extensive property damage, can be complex and often frustrating. Sometimes, policyholders may encounter issues or disputes with their insurance companies that require a formal resolution. In such cases, one important tool in the arsenal of those seeking justice is the Civil Remedy Notice.
This blog will explore the purpose and significance of the Civil Remedy Notice, the specific requirements for filing it, and the role of insurance adjusters and public adjusters.
Filing a Civil Remedy Notice
The Civil Remedy Notice is a critical step in addressing grievances with your insurer, ensuring that your claims are handled fairly and in compliance with your insurance policy. It serves as a formal alert to your insurance company and the Department of Financial Services, informing them that you intend to file a bad faith claim.
For example, the Florida Statutes mandate that you submit this notice at least 60 days before initiating a lawsuit against your insurer. This additional window allows for the potential resolution of the dispute without involving the court system. Keep in mind that you cannot file a notice within 60 days of an appraisal. This prevents the premature filing of bad faith claims before the scope of damages is fully determined through the appraisal process.
What to Include in Your Notice
Your Civil Remedy Notice should include the following information:
The statutory provision and its specific language that the authorized insurer allegedly violated.
The facts and circumstances giving rise to the violation.
The names of individuals involved in the violation.
References to specific policy language relevant to the violation.
A statement to perfect the right of pursuing civil remedy.
The Role of Adjusters in the Process
Public adjusters are invaluable in preparing and supporting your Civil Remedy Notice. They can assess your insurance loss and ensure that your insurance claims are accurate and well-documented. Insurance company adjusters may also review the issues raised in the notice and negotiate a resolution.
Consequences of Not Filing a Notice
Failure to file a Civil Remedy Notice before commencing a bad faith lawsuit may lead to the dismissal of your case by a judge. The Civil Remedy Notice is a crucial prerequisite that must be followed to pursue a bad faith insurance claim.
Public Adjusting Firm In New York
Stay informed about these recent legal changes to ensure compliance with Civil Remedy Notice requirements when pursuing a bad faith insurance claim. For expert guidance in insurance loss recovery, contact the Affiliated Adjustment Group today. We are your trusted partner in achieving a just and equitable resolution for your insurance dispute.