Homeowners Insurance

Just because your homeowners insurance denied your claim for property damage, it does not mean that they have acted in bad faith. You should always request a free consultation from an experienced homeowners insurance bad faith lawyer.

In general, your insurance company may be acting in bad faith if:

• They unreasonably delay paying your claim or delay in responding to your calls, emails and other communication regarding a dispute.
• They refuse to pay a valid claim.
• They refuse to pay for a covered loss or property damage.
• They refuse to pay any part of a covered claim including personal property or damage to part of your home.
• They “low ball” your claim, only paying a fraction of what is fair market value.
• They change adjusters in the middle of an insurance claim that results in delay.
• They fail to pay where coverage was originally promised, or wrongful denial of insurance coverage.
• They set impossible conditions, which may include requiring you to have itemized receipts for every single item of lost or damaged personal property or requiring you to submit multiple types of “proof of loss,” such as numerous recorded statements or written proof of loss.

The ERISA law regulates insurance companies and employers as the administrators of your benefits plan. ERISA requires your plan administrators to do their jobs with the highest degree of responsibility. Generally, ERISA regulates such things as reporting and accountability, disclosures, procedural safeguards and financial interests of plan participants. An experienced life insurance attorney can explain ERISA regulations to you and discuss your options during a free case evaluation.

If an insurance company has acted in bad faith on your homeowners insurance claim, an experienced bad faith lawyer can evaluate your case and tell you what monetary damages you are entitled to under your policy. But, generally, you are entitled to the benefits of the policy, any additional damages that you have suffered because of their bad faith and, in some cases, punitive damages to punish the insurance company.

Call us, or request a free claim evaluation today. We are here to help.