Insurance coverage (and the related litigation) generally involves a dispute between an insurance company (insurer) and its policyholder (insured) regarding whether a loss suffered by the insured is covered by the insurance policy issued by the insurer.

Such coverage disputes may arise after the insured suffers a loss due to theft, fire, or other event—or when an insured (person or business) is served with a lawsuit and requests the insurer defend the insured in the lawsuit, but the insurer denies coverage or only agrees to defend the lawsuit under a reservation of rights (ROR).

Insurance contracts and insurance coverage issues are often complex and an insured is often well-served by promptly discussing these matters with an experienced insurance coverage lawyer.

In Florida, insurance coverage disputes typically involve disagreements between an insurer and the insured over whether a particular loss is covered under the terms of the insurance policy. These disputes can occur in various situations, such as after the insured experiences a loss from theft, fire, or another covered event, or when the insured is named in a lawsuit and seeks defense from the insurer. If the insurer denies coverage or agrees to defend under a reservation of rights (ROR), it means the insurer may later contest its obligation to cover the claim. Florida's insurance laws and regulations are designed to govern these relationships and the handling of claims. The state follows specific statutes and case law that dictate how insurance policies are interpreted and the duties of both insurers and insured parties. Given the complexity of insurance contracts and the nuances of coverage issues, it is often advisable for an insured to consult with an experienced attorney who specializes in insurance coverage law to navigate potential disputes and understand their rights and obligations under the policy.