Insurance companies have a duty to act in good faith and fair dealing
Insurance bad faith practices can include, but is not limited to:
- Denying coverage without completing a full and accurate investigation;
- Taking too long to determined that there is coverage for the claim;
- Ignoring your telephone calls, emails, or letters;
- Using inaccurate legal or policy terms to diminish your claim;
- Intentionally dragging out settlement negotiations so statute of limitation laws apply;
- Refusing to negotiate after you file a valid claim;
- Failing to deny or pay your claim in a reasonable timeframe;
- Failing to give you a clear written explanation for why your claim was denied;
- Misstating the coverages that apply to your claim;
- Falsely citing local laws or building codes to defend your claim denial or underpayment;
- The “adjuster shuffle” where your adjuster that knew everything on your file is suddenly replaced by someone that has no idea about your claim.
Your insurance company has collected premiums to be there for you in your time of need. If you feel that they are not holding your best interest at heart, call an attorney to review the practices and come up with a plan.
Don’t get taken advantage of.
Review your case with an attorney.
Even if an adjuster acts in one of these ways, it’s important to remember that bad faith may not have existed. It’s helpful to consult with a lawyer if you feel like your insurance claim was unfairly denied, or if you believe your insurance adjuster acted in bad faith.
Insurance companies are
obligated to pay covered,
valid claims in a fair and
Ross Legal Group Fights For YOU.
Insurance companies must follow the terms outlined in the contract or policy, act in good faith of this agreement, and avoid unfair tactics. Unfortunately, These tactics are far too common. Insurance companies have every interest to keep their money in their bank account and invested. They use all kinds of tactics to delay claims processes in order to achieve this goal. This leaves homeowners at their mercy and desperate to have their homes repaired. If you find yourself in a situation that becomes unlivable or impossible to deal with financially because of an insurance company’s delay, you need an attorney to protect your rights.
Usually Insurance companies will not take their insureds seriously until they are represented and when they know the claim will cost them more eventually. Don’t hesitate to reach out to an attorney to discuss your legal rights.
ROSS LEGAL GROUP
1800 Second Street Suite 765 – Sarasota, FL – 34236