Mediation for Policyholders and Insurance Carriers
Mediation offers policyholders, insurance carriers, and the people who work with them a neutral place to talk through a disputed claim and look for a resolution both sides can accept.
What these disputes look like
An insurance claim often involves more people than the policyholder and the insurer. Adjusters, public adjusters, contractors, medical providers, and attorneys may all have a role. When a claim stalls, communication between these parties can break down, and positions harden through letters and emails.
Mediation brings everyone into the same conversation, in person or on Zoom. The mediator is neutral and does not represent the policyholder or the carrier. The goal is to help each side be heard, understand the other side's view, and work toward a practical resolution, whether that is a full settlement or an agreement that narrows the issues.
Who takes part in these mediations
- Homeowners and business policyholders
- Insurance carriers and their adjusters
- Independent and public adjusters
- Contractors, restoration companies, and repair shops
- Medical providers in auto and PIP matters
- Attorneys for any party
Two examples
Example 1: A business owner and a commercial carrier
The situation. A warehouse owner files a claim after a roof leak damages inventory and equipment. The carrier has paid $40,000. The owner, working with a public adjuster, believes the loss is about $68,000 and is frustrated by months of requests for more documents. The carrier feels it has not received the records it needs.
How mediation helps. In mediation, both sides can explain what they have provided, what they still need, and why. The mediator helps them sort the disputed items into groups, such as documented, partly documented, and disputed, so the conversation becomes specific. With private sessions on each side, the parties can talk candidly about their concerns and explore terms for resolving the claim.
Example 2: A restoration contractor's invoice
The situation. A restoration company performs emergency water mitigation at a home and bills the insurer $14,500 for its work. The insurer pays $8,000, saying some of the charges were not supported. The homeowner wants the matter resolved so the company stops calling.
How mediation helps. The mediator can help the contractor and the carrier review the invoice, the moisture logs, and the photos together, and hear each other's concerns about the charges. Often the gap narrows once each line is discussed. The mediator helps the parties consider their options and reach terms that close out the balance, which also gives the homeowner some peace of mind.
How mediation can help
Faster answers
Many disputes can be discussed and settled in a single session, instead of months of letters, demands, or a lawsuit.
Lower cost
A few hours of mediation typically costs far less than litigation.
Everyone in one conversation
Policyholders, carriers, adjusters, contractors, providers, and attorneys can address the issues directly.
A mediator who knows insurance
Jeff has more than 15 years in the insurance industry and holds Florida insurance licenses, so he understands policy terms, claim files, and how claims are handled.
You stay in control
Nobody can impose a result. A settlement happens only if both sides agree to it.
Please note: Mediation does not replace the claim process. The mediator is neutral, does not give coverage opinions, adjust the claim, or give legal advice, and you are welcome to bring an attorney. The examples above are illustrative, are not real cases, and do not predict the outcome of any dispute.
Schedule your mediation
Pick a date on the live calendar, or reach out with questions about your case, timing, or format.