When your insurer fails you, we step in to fight back.

At Moreno Perdomo, we hold insurance companies accountable when they delay, deny, or underpay valid claims. Insurance policies are meant to provide peace of mind — protection for your family, home, or business when the unexpected happens. But all too often, insurers fail to honor their promises, leaving policyholders without the coverage they rightfully deserve. Our attorneys fight to enforce these contracts and ensure clients are treated with the fairness the law requires.

We represent individuals and businesses across Miami, Miami-Dade, Broward, and South Florida in disputes with their insurers. Whether your claim involves personal injury, hurricane damage, fire loss, or business interruption, we know the tactics insurance companies use to protect their bottom line — and we know how to fight back.

Florida policyholders face unique risks, from devastating hurricanes to rising property insurance disputes. Insurers sometimes exploit these circumstances, delaying payments or wrongfully denying claims at a time when families and businesses are most vulnerable. Our firm is dedicated to leveling the playing field by holding insurers accountable.

With decades of combined trial experience, our attorneys are not intimidated by large insurance companies. We pursue justice aggressively, whether through negotiation, mediation, or courtroom litigation, so you can move forward with confidence.

Insurance & Bad Faith Law

Insurance companies in Florida have a legal duty to act in good faith — meaning they must process claims honestly, fairly, and in a timely manner. When they fail in that duty, they can be held legally accountable for bad faith practices. At Moreno Perdomo, we represent policyholders throughout South Florida in holding insurers to their obligations.

Bad faith can take many forms: unfairly denying coverage, undervaluing legitimate claims, or dragging out the process to pressure policyholders into settling for less. These practices not only harm individuals financially but also cause immense stress and uncertainty.

Our attorneys have extensive experience handling insurance disputes of all kinds — including auto insurance, property damage, health insurance, life insurance, and commercial policies. We thoroughly investigate each claim, review policy language, and gather the evidence needed to prove insurer misconduct.

By pursuing bad faith claims, we help clients recover not just the compensation they were originally owed, but in some cases additional damages designed to punish insurers for dishonest conduct.

Wrongful Claim Denials

One of the most common forms of bad faith is the wrongful denial of valid claims. Insurers may use vague policy language, obscure exclusions, or outright misrepresentation to deny coverage. At Moreno Perdomo, we fight these denials by carefully analyzing your policy, reviewing the facts, and proving that your claim is covered under Florida law.

These cases often involve homeowners’ insurance after hurricanes or floods, auto insurance following serious accidents, or health insurance denials for necessary medical care. In each case, the insurer is hoping the policyholder will simply give up. Our job is to ensure that doesn’t happen.

Wrongful denials can have devastating consequences, particularly for families depending on insurance money to cover medical bills, property repairs, or lost income. We pursue these cases aggressively, filing lawsuits when necessary to force insurers to fulfill their contractual obligations.

By challenging these practices, we not only secure justice for our clients but also send a clear message to insurers across Miami-Dade and South Florida that wrongful denials will not go unchallenged.

Delay Tactics & Lowball Offers

Another frequent bad faith tactic is delaying claims or offering unfairly low settlements. Insurers may stall by repeatedly requesting documents, conducting unnecessary investigations, or refusing to communicate. These delays are designed to frustrate policyholders into accepting far less than their claim is worth.

At Moreno Perdomo, we don’t let insurers drag their feet. We step in quickly to demand action, backed by evidence and a clear legal strategy. If negotiations fail, we are fully prepared to take the case to court to secure the payment you deserve.

Lowball settlement offers are equally damaging. Insurers may present a quick payout in hopes that desperate families accept it without realizing the full value of their claim. Our attorneys ensure that every claim is thoroughly evaluated, with input from experts when necessary, so clients understand the true worth of their losses.

By pushing back against these tactics, we protect policyholders across Miami, Broward, and Palm Beach County from being taken advantage of during vulnerable times.

First-Party Bad Faith Representation

Most people assume insurance disputes always involve another person’s insurer. But many cases involve your own insurance provider acting in bad faith. Known as first-party bad faith claims, these arise when your insurer violates its duty to treat you honestly and fairly.

Examples include refusing to pay under uninsured/underinsured motorist coverage, mishandling homeowners’ claims, or undervaluing life and disability insurance payouts. These disputes can be especially frustrating because they involve the very company you trusted to protect you.

At Moreno Perdomo, we hold insurers accountable when they breach that trust. Our attorneys are experienced in pursuing statutory and common law bad faith claims under Florida law, ensuring that policyholders receive the benefits they paid for.

In addition to recovering the original value of the claim, successful bad faith cases may also allow recovery of extra-contractual damages, including compensation for emotional distress and attorney’s fees. This makes bad faith claims one of the most powerful tools available to policyholders mistreated by insurers.

Our Values

Client-First Focus

Every client matters. We listen, we care, and we fight for the best possible outcome.

Integrity

We approach every case with honesty, transparency, and an unwavering drive to make a difference.

Proven Results

Our track record speaks for itself as we work with clients all across Florida.

We level the playing field—because insurance companies should play by the rules.