Potential warning signs
Relevant concerns may include unexplained delay, failure to conduct a reasonable investigation, shifting explanations, disregard of material evidence, or refusal to pay benefits due under the policy.
First-party and third-party issues
Bad-faith questions can arise from an insured's own policy and, in different circumstances, from an insurer's handling of claims against its policyholder.
Documents that matter
Preserve the complete policy, declarations, endorsements, claim correspondence, estimates, photographs, recorded-statement requests, denial letters, payment records, and a communication timeline.
A denial is not the final analysis
A denial letter states the insurer's position. Whether that position is supported can depend on the policy language, facts, investigation, and governing law.
Discuss the matter with the firm
Every claim depends on its facts, available insurance, evidence, damages, and applicable law. A consultation can help identify the next practical steps.
Request a consultation