A fire destroys your home, or someone sues you because he/she got injured while visiting your business. In both cases, you expect your insurance company to cover at least some of the damages. However, insurance companies improperly refuse to pay valid claims all the time, acting in bad faith.

How can you recognize Insurance Bad Faith?

Any insurance company has certain duties to perform, such as:

  • Investigate your claim fairly, honestly and promptly;
  • If your company was sued by someone, provide and cover your defense costs;
  • Evaluate the damages and come with a fair settlement offer;
  • Approve or deny the claim with a valid explanation and within a reasonable amount of time;
  • Pay the approved claim to you in time, or if you were sued and found liable, it should cover the claims as described in your insurance policy.

If the company: 

  • fails to fulfill these duties, 
  • uses deceptive practices to deny claims or 
  • misrepresents the terms of coverage from your policy, 

this constitutes insurance bad faith. 

In other words, the insurance company breaches the insurance policy, basically the contract signed with you or your business. In this case, you can file a complaint and even start a lawsuit.

Contact us online today, and our experienced attorneys will review the facts and the circumstances of your insurance case, as well as the denial reasons given by the company. If needed, we can file a bad faith insurance claim on your behalf.


Client Reviews

6/27/18, FindLaw.com

Rated 5 out of 5

We received a letter from an attorney representing an ex employee from years ago. This letter couldn’t have come at a worse time for our family. Although the ex-employee had no substance in their case and this was mostly a nuisance, we felt very vulnerable and unprepared. I reached out to a few lawyers for a quote and their retainer fees alone were deal breakers. When I reached Thomas Gallagher, he approached my case from a completely different angle and walked me through the many small steps we would take to get through this issue. Within the first conversation I felt like I had a plan of attack, an attorney I could trust, and that our family was protected. Our case ended up never going to court. In fact, Thomas was able to resolve the entire issue within a week. I am extremely happy with the results from this potential lawsuit, but even happier knowing my family and business is now protected by a lawyer than can get the job done.


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