When you file a property damage claim with your insurance company, you expect the process to follow the terms of your policy. While many claims are handled properly, in some situations an insurance company may engage in practices that could be considered “bad faith.”

Bad faith is a legal term that generally refers to an insurer not fulfilling its obligations under the policy and applicable law. This could involve delays, inadequate investigations, or claim denials that are not supported by the facts or the policy language.

What Does Bad Faith Look Like?

Examples of conduct that may be considered bad faith can include:

  • Unreasonable delays in processing your claim
  • Insufficient investigation into reported damage
  • Offering payments that appear to undervalue the cost of necessary repairs
  • Failing to explain a denial or reduction of benefits based on the policy terms

It’s important to note that not every disagreement with an insurer amounts to bad faith. Whether a situation meets the legal definition can depend on the specific facts and applicable law.

Steps You Can Take

If you are concerned about how your claim is being handled, consider:

  1. Reviewing your policy to understand the specific coverage and exclusions
  2. Keeping detailed records of all communications and documents related to your claim
  3. Asking for written explanations if your claim is denied or reduced
  4. Seeking legal advice to understand your options based on your specific circumstances

Why Timely Action Matters

Certain deadlines may apply to both your claim and any legal action related to it. Acting promptly can help ensure your rights are preserved.

How Boggs Law Group Can Assist

Boggs Law Group helps property owners understand their insurance policies, evaluate claim denials or delays, and determine whether further legal action is appropriate. Every case is unique, and we can provide guidance based on your situation.

Contact us today to schedule a free consultation and discuss your options.