In many local cases, the dispute isn’t whether a bite happened—it’s how severe it was and whether the injury truly matches the account of the incident.
After a bite, insurance adjusters commonly look for:
- How quickly you sought medical care (especially for punctures, bites to the hands/face, or swelling)
- Whether your medical records describe the same location and severity you report
- Whether follow-up treatment happened (wound care, antibiotics, specialists if needed)
Florida claims can stall when there are gaps. Even minor delays can give the defense an opening to argue the injury wasn’t caused by the dog, wasn’t serious, or healed faster than you’re claiming. That’s why “I’m fine” can become a problem—what you feel today may not reflect what shows up in treatment days later.


