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Underpaid, Delayed or Denied Insurance Claim? You Don’t Have To Take “No” For An Answer.
When you buy insurance, you are purchasing a promise that should the unexpected happen - whether from flood, wind, fire, hail or other disaster - the insurance company will cover your losses. Unfortunately, once a damage claim is made, it is not unusual for an insurance company to under value, under pay, delay, partially deny, or even completely deny payment of a claim without proper justification or warning.
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The insurance industry is a business like any other. Their profits are based on collecting, holding and investing money. It is bad for any business when money is outgoing instead of inflowing, and insurance companies are no different. However, the difference between the insurance industry and other industries is the fact that when a premium is collected, only a promise of potential performance is given by the insurer in return. As a result, insurers are theoretically held to a higher standard regarding the fiduciary relationship they maintain with their client, the insured. In theory, the insurance company is required to maintain the interests of the insured at a higher level to their own interests. In days gone by, this had seemed to be the case in most situations; however, in the current economy where making money is everything, it seems that many insurance companies have lost touch with this concept. As a result, claim payments are now more often delayed, denied and disputed by the insurance companies.
Bad Faith Insurance Claims
Insurance companies that unreasonably deny the coverage you have already purchased are acting in bad faith. Not every denied insurance claim is bad faith, but if you have been denied insurance coverage or have been offered a reduced settlement of your damage claim without proper justification or adequate warning, you may have a bad faith insurance case against your insurance carrier.
12 Signs That Your Insurance Company May Be Acting in Bad Faith
- Unwarranted Denial of Coverage
- Failure to Communicate Pertinent Information
- Refusal to Pay the Claim Without an Investigation
- Failure to Conduct a Reasonable Investigation of the Claim
- Failure to Deny or Pay the Claim Within a Reasonable Period of Time
- Failure to Confirm or Deny Coverage Within a Reasonable Period of Time
- Failure to Attempt to Come to a Fair and Reasonable Settlement When Damage is Clear
- Offering Substantially Less Money to Settle than the True Value of the Claim
- Failure to Promptly Provide a Reasonable Explanation for Denial of a Claim
- Failure to Enter into any Negotiations for Settlement of the Claim
- Failure to Respond to a Time-Limit Demand
- Failure to Disclose Policy Limits
To learn more about bad faith insurance claims, request our free book: Disputes with Your Insurance Company - What All Consumers Need to Know.
The Voss Law Firm, P.C.
Protecting Policyholders & Holding Insurance Companies Accountable
The Texas Bad Faith Insurance Claim Lawyers at The Voss Law Firm handle all commercial and personal property damage claims, including damage caused by natural disasters:
Flood claims
Hurricane claims
Tornado claims
Earthquake claims
Mudslide claims
Sinkhole claims
Wind claims
Hail claims
Lightening claims
Fire claims
Apartment complex fire claims
Vandalism claims
Theft claims
Mold damage claims
Industrial insurance claims
Marine insurance claims
“Acts of God”
Contingency Fees
The Voss Law Firm, P.C. handles insurance litigation lawsuits and bad faith claims on a contingency fee basis. This means that if you win, our fees come out of your settlement. If you lose, you pay nothing. To schedule a free confidential consultation, contact our bad faith insurance attorneys at 1-866-276-6179.
Our Practice Areas
Industrial Insurance Claims
The Texas Insurance Litigation Lawyers at The Voss Law Firm, P.C. offer industrial insurance claim analysis, evaluation and consultation involving property losses in industrial structure settings resulting from damage caused by a covered peril, material and construction defects, improper loading conditions and water damage. Evaluation of loss in an industrial insurance claim is used to determine the cause and scope of the damage. Repair cost estimates and schedules will be determined to provide a guide for correcting structural defects and ultimately prosecuting a claim against the insurance carrier when the insurance company acts in bad faith with wrongful delay or denial of payment.
Marine Insurance Claims
As a natural extension of our industrial claims practice, the marine insurance litigation attorneys at The Voss Law Firm, P.C. help marine clients maintain administrative continuity throughout the litigation process. Whether you suffer property damage, liability, or economic loss, our attorneys can thoroughly investigate, fully administer and promptly litigate complex marine insurance claims. We have earned a reputation for unrivaled expertise in a wide range of areas, and bring extensive experience in marine losses, as well as several other areas of first party insurance litigation.
Condominium Claims
Condominium insurance claims are not like other claims. The division of responsibility for property damage is determined by the by-laws of the condominium association and the interests of both the individual owners and the condominium association must be taken into account.
Commercial Claims
Natural disasters affect businesses as well as individuals. Damage from fire, hurricane or tornado can prevent your business from operating and may affect productivity, profit and stock value. When an insurance company refuses to fully and promptly pay insurance claims, the resulting losses can be disastrous! You need insurance compensation, so you can get your business back in operation without further delay.
Agricultural Claims
Farming is unpredictable and risky. Whether you operate a small, family-owned farm or oversee an expansive operation, with an increasing variety of perils choosing the right policyholder attorney to help fight a wrongfully denied or underpaid claim is one of the most important decisions you will make. Our legal services provide farmers with customized legal service offerings that offer flexibility, customer service, and prompt, accurate claims adjustment and solutions. Our attorneys are specialists and can develop customized solutions for dwellings, farm buildings, machinery, vehicles, livestock and hay as well as liability.
Governmental Claims
Municipalities must answer to the people they serve. They are responsible for keeping water flowing, trash collected, and power grids up and running. In the event of a major catastrophe, these cities and towns must find the means to make sure these services either remain intact or are back in service as quickly as possible. Having represented policyholders of all types, The Voss Law Firm is adeptly qualified in making sure municipalities and local governments fully recover.
Church Claims
Damage to a church or religious facility from a fire, hurricane, wind, rain, theft, vandalism or tornado can prevent your organization from operating and may affect numerous individuals in your congregation. When an insurance company refuses to fully and promptly pay insurance claims, the resulting losses can be disastrous! When you need insurance claim compensation, so you can get your facility back in operation without further delay, hire a qualified insurance claims attorney.
Residential Claims
Your home is more than just a place to live. When your home is damaged, you lose more than possessions. You lose an important part of your life. Serious property damage is always distressing, but having your homeowner insurance claim denied can leave you emotionally and financially devastated. The Texas insurance litigation attorneys of The Voss Law Firm can help you fight against an insurance company that won't pay your residential property claim. Let us deal with the bad faith insurance companies that are wrongfully delaying your payment or denying your homeowner insurance claim altogether so that you can focus on your life.
Construction Defects
What is considered a construction defect and what should you do about it? Let's tackle defining a construction defect first. Depending to whom you ask, you will get a range of explanations of what a construction defect is. However, generally speaking, construction defects refer to issues with the structure design, poor materials used, inferior workmanship, and/or lack of consideration of the subsurface upon which the building stands.
