Louisiana Bad Faith Insurance Attorney

When you buy homeowner’s insurance—or any other type of insurance—you faithfully pay your premiums each month with the expectation that your insurer will have your back when a disaster strikes. So, when a flood, tornado, or other natural disaster occurs, you file a claim, assuming your insurance company will hold its end of the bargain. When that doesn’t happen, you can find yourself struggling to make sense of an insurance denial, delay, or ridiculously low offer. It can feel overwhelming, leaving you unsure of where to turn or what to do to protect your family. Should this scenario become your reality, the best thing you can do for your future is to speak to an experienced Louisiana bad-faith insurance attorney. When you choose Gulf Coast Insurance Attorneys, you will find that we are wholly dedicated to solving problems and making things right for our clients. We provide highly individualized attention, diligent representation, and prompt communication, helping you through the litigation process as quickly and efficiently as possible. 

What is Bad-Faith Insurance?

When an insurance company fails to live up to its obligations, it may have engaged in bad faith. There are many different ways an insurer may attempt to “renege” on its obligations, including:

• Failing to provide a valid reason for a denied claim
• Neglecting to conduct a prompt, complete investigation
• Devaluing a claim by offering significantly less money than the claim is worth
• Delaying payment on claim requests without a valid reason
• Refusing to pay a valid claim
• Making threatening statements in an effort to avoid paying a claim
• Refusing a reasonable request for documentation on the denied claim
• Placing company profits over the valid claim of a policyholder
• Misrepresenting policy language or the law

Any tactics used by insurance companies to avoid contractual obligations can be considered acts of bad faith; a simple mistake on the part of the insurance company is not considered bad-faith. An insurance company should always provide a reason for a claim denial and that reason should be valid and legal.