Bad faith means that someone is working to deceive you. Of course, this can be done in many different ways. As it relates to insurance, bad faith means that a company is attempting to give you less than what you’re owed. Again, there are many tactics insurance companies use to accomplish this. These include:
- Refusing to settle a claim
- Underpaying a claim
- Delaying a claim
- Denying your benefits
- Cancellation of a policy
- Failure to investigate a claim
- Extra contractual damages
- Insurance agency negligence
If you believe your insurance company is deliberately acting in bad faith, there are a few steps you should take. First, review your insurance policy so you have a clear picture of what you’re entitled to. Next, document EVERYTHING. Take pictures. Keep relevant paperwork, receipts, and emails. This includes the denial of your claim. Once you’ve done this, send a letter in writing to your insurance company demanding they approve your claim and honor the terms of your policy. If you do not receive a response within 15-60 days, hire an attorney. If your insurance company has denied your claim, file an appeal or an official complaint. Last, but certainly not least, speak to an attorney.
The truth is, insurance companies hire smart, capable lawyers who work hard to keep them from paying you. For those who aren’t familiar with the legal system, it can be a little intimidating. The good news is, we do this full time, and we’re here to help you.
Brasher Law Firm works on a contingency fee basis. That means hiring us is free. We get paid only if we win, with our fee being a predetermined percentage of the amount recovered. We provide a review of your case at no cost to you.
We prepare each case we take on under the assumption it will go to trial. However, the vast majority of cases settle before they reach the courtroom. In the end, the decision will be totally up to you.
If your insurance company sent you a check, you are free to use it toward repairs for your home or property. Using those funds does not mean your claim has been closed, however. If your insurance company undervalued your claim, it’s our job to get you the rest.
We’ve been helping people just like you for a long time. Our attorneys and staff understand the stress and frustration a person goes through in just trying to get their insurance company to give them the benefits they paid for. We’re dedicated to getting you the justice you deserve.
We work hard. We’re always in contact to answer questions you may have or walk you through a part of the legal process. And we get to work the first day you hire us.