Almost everyone has heard a family member or friend tell an insurance horror story involving an unfairly denied claim, an uncooperative adjuster or endless bureaucratic runaround resulting in a lengthy delay of any payment. While some such insurer actions have a legitimate basis or result from mistakes, others justify insurance bad faith claims.
Laws governing insurance bad faith may come into play when insurers show reckless disregard for their obligations to policyholders and act unreasonably in their own interests. Working with an insurance claims attorney who recognizes and can prove bad faith may lead to payment of rightful benefits and additional damages.
Unfair Claim Denial Or Delay? Are You Being Denied Coverage You Paid For?
Only an experienced lawyer such as K.C. Williams can effectively analyze whether you have a valid insurance bad faith claim. The duty of insurers to act in good faith applies across the spectrum of types of coverage and policies, including automobile, homeowners, business and disability insurance. Indications that you should involve a lawyer with solid, successful bad faith case experience include your belief that:
- A claim denial appears to have no reasonable basis
- The insurance company has failed to promptly investigate your claim
- The insurance adjuster’s assessment of your losses does not align with real economic damages you have suffered, leading to an inadequate, “low-ball” settlement offer
- Reasons for denial of your claim, such as alleged errors or omissions on your application for coverage, have no basis in fact
- The company or its agents committed misrepresentation of terms or coverage when you originally purchased your policy
Has Your Home Insurance Company Denied Or Undervalued Your Property Damage Claim In Florida?
If your insurance company is dragging their feet regarding your property damage claim you should speak with an experienced insurance claim lawyer as soon as possible. Please contact us online or call our Tampa, Florida law office directly at 800.451.6786 to schedule your free consultation. We help Florida residents just like you fight the big insurance companies who fail to abide by their own policies. Remember, we work on a contingent basis, meaning you don't pay us anything until we win your case.