Mediation can provide a structured opportunity to resolve a denied, delayed or underpaid claim without going directly to court.
What Mediation Can Address
- Coverage disagreements
- Scope of damage
- Claim-handling issues
- Settlement negotiations
When to Consider Mediation
Mediation may be useful when a claim has been denied, underpaid or delayed, when there is a dispute over coverage or cause of loss, or when the policyholder wants to explore settlement before litigation.
How the Process Works
Request for mediation
Either party may initiate the process; in Florida, certain mediations may be handled through the Department of Financial Services.
Assignment of a mediator
A neutral mediator is selected to facilitate discussion.
Preparation
Both sides organize estimates, reports, photos and supporting documentation.
Mediation session
Positions are presented, private discussions may occur, and offers and counteroffers are exchanged.
Outcome
If agreement is reached, it is reduced to writing and signed. If not, other options may remain available.
Mediation vs. Appraisal
Mediation
Negotiation that may address coverage, liability, scope and value. It remains non-binding unless settlement is reached.
Appraisal
A process focused on the amount of loss and generally results in a binding valuation when properly completed.
Why Preparation Matters
The carrier may use mediation to test the strength of the claim. A clear demand, organized evidence and a well-supported scope can materially affect the negotiation.
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