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How to Make an Insurance Claim

If you have been involved in an accident that caused personal injury or property loss, you may be entitled to pursue compensation on an insurance policy you hold. The question is, how do you go about making an insurance claim?

You should make the claim as soon as possible and keep in mind that state has a statute of limitations dictating the length of time an individual has to file a lawsuit arising from an unpaid or underpaid claim seeking damages after an auto accident, fire, hurricane, wind storm or any other type of accident or natural disaster. Failure to file a timely claim could result in policy benefits being denied, so it is important that you waste no time in retaining legal counsel.

Hiring an experienced Miami insurance attorney to guide you through the claim process is the first step we advise you take and the one which will significantly increase your chances of being able to recover the maximum compensation allowed under the terms of your policy.


Filing an insurance claim is not always as simple as it may sound. You may have been paying into your insurance policy for years and had no major issues with your insurance provider. That can quickly change when it comes time to file a claim.

Insurance companies are not in the business of paying out claims because that is not how they make their money. Even though you may be a loyal and trusted customer, you should not make the mistake of believing your insurance company is on your side because they are not. Many insurance companies are known to engage in bad faith insurance practices as a way of cutting their losses. Florida's "bad faith" insurance law was written to protect consumers from such unsavory tactics and give them the opportunity to collect fair and just damages.


Our Miami-based insurance law firm has helped many individuals and families gain the upper edge on their insurance providers, so they could recover the compensation, which they are entitled to. We stand ready and willing to help you do the same. Our lead attorney, Luis Mena, has more than 15 years of experience with insurance law and is honored to have been selected for inclusion in the Super Lawyers® Rising Stars℠ list multiple times. He is also AV® Rated by Martindale-Hubbell®!

Prior to filing a claim on your behalf, we will take the time to review your insurance policy, answer any questions you may have, help you gather the evidence necessary to document your claim and then assist you in completing each step of the claim process. Insurance companies who know their insured have retained legal representation are far less likely to offer a "lowball settlement" or attempt to deny a valid claim.

To find out more about insurance claims or to find out whether you may have a valid claim, get in touch with Mena Law Firm now. Trust us when we say fighting the insurance company is worth it!