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.
Can I Sue My Insurance Company for Bad Faith?
With the barrage of policy rules, as well as state and company rules, it can be difficult to file a bad-faith lawsuit on your own—and nearly impossible to win. Hiring a highly experienced Louisiana bad-faith insurance attorney from Gulf Coast Insurance Attorneys changes everything, giving you an immediate advantage. We work to ensure you receive the respect you deserve from your insurer. In short, having a knowledgeable bad-faith insurance attorney as your advocate is vital to the success of your lawsuit. Your attorney will help you work through the complexities associated with a bad-faith lawsuit, handling all communication with your insurance company, while comprehensively building a case on your behalf.
How Do I Sue an Insurance Company for Bad Faith?
Once you have spoken to a Louisiana bad-faith insurance attorney, you can relax, confident that your attorney will work hard on your behalf to ensure your insurance company pays you a fair amount for your loss. There are a few steps you can take that will help your attorney increase the chances of success, including:
- Read through your insurance policy to be certain your claim should be covered. This will allow you to be sure there was a breach of contract under the law.
- Make sure you keep all evidence associated with your claim together. This includes everything associated with your original claim, as well as denial letters, and notes from any phone calls you make to your insurer.
- A complaint can be filed with the Louisiana Department of Insurance; they will either help you with the mediation process or help you file a lawsuit against the insurance company. When you have a Louisiana bad-faith insurance attorney from Gulf Coast Insurance Attorneys, you don’t have to worry about the bad-faith lawsuit process—your attorney will handle it.
How Do I Find the Right Louisiana Bad Faith Insurance Lawyer for My Case?
You may be unsure of how to find the right Louisiana bad-faith insurance lawyer for your case. At a time when you are feeling overwhelmed, finding an attorney can feel even more daunting. It doesn’t have to be that difficult, however. Perhaps a friend, family member, or co-worker has been in a similar situation and can offer you an attorney referral.
At the Gulf Coast Insurance Attorneys law firm, we understand that you have many choices when considering a bad-faith insurance attorney. We also believe that once you have spoken to attorney Peter Diiorio, your choice will be clear. When you are facing an insurance dispute or denial, having a strong advocate in your corner who is never afraid to go up against a huge insurance company can make all the difference.
At Gulf Coast Insurance Attorneys, we will demand that your insurer follow through with its promises. Further, you don’t need to come to us with money as we will finance your case, taking aggressive action to force the insurance company to pay you what you are rightfully owed. If your goal is a settlement that fully covers your damages, Gulf Coast Insurance Attorneys is the right law firm for you. We will work hard to ensure your financial future is secure following an act of bad faith on the part of your insurance company.
How Hiring a Louisiana Bad Faith Insurance Attorney from Gulf Coast Insurance Attorneys Can Help
When you hire the Gulf Coast Insurance Attorneys, you benefit from our team effort. We work with a team of highly skilled professionals who pride themselves in fully meeting the needs of every client. We have extensive resources that will benefit you and your case and will use those resources to your advantage. Whether your insurance company is refusing to honor your homeowner’s claim, or simply offering you a settlement that is much less than you need and deserve, our team will aggressively fight to get you what you are owed.
We are never afraid to go toe-to-toe with a big insurance company, always zealously representing you and your interests. It’s important that you speak to a knowledgeable Louisiana bad-faith insurance company from GCIA today. We will deal with your insurance company from beginning to end, giving you the time you need to get your life back on track while we deal with the legalities of your situation. Contact the experienced Gulf Coast Insurance Attorneys today.