Policy Limits Demands and the New Safe Harbors, Part 2: Florida Bad Faith in Practice, from the Demand to the Bad Faith Case

Florida’s bad faith laws are changing, with HB 837’s reforms to Fla. Stat. § 624.155 rewriting the rules insurers and claimants play by. But the statutes decide only part of the outcome. The record built during the underlying claim, demand by demand and letter by letter, decides the rest.

Miss a bad faith issue as the claim develops and the record never gets made. Send a demand that creates no meaningful opportunity to settle and the insurer’s response proves nothing. Mishandle communications between the parties and they resurface later as exhibits. And in multi-party cases with too little insurance for every claim, each of those moves carries more weight.

This program supplies a practitioner’s working method for the life of the claim. Attendees will spot issues early, prepare demands that create real settlement opportunities, and evaluate insurer responses. They will resolve the underlying case while protecting potential bad faith issues. That judgment is work no form file supplies.