Over our lifetimes, most of us will own more than one insurance policy, and we may have multiple lines of coverage in force over the long term—whether for our cars, businesses, health and life needs, homeowners, or more. And while purchasing coverage may be simple for some lines of insurance, along with filing claims that are cleared up quickly, other policies may present complications that are not atypical but can leave policyholders feeling frustrated, unsettled, and even unfairly targeted.
If you have been in an accident or experienced damage to property, even if you were not seriously injured you may have been left feeling extremely shaken. And while insurance adjusters may seem friendly enough at first, do not be misled by an affable demeanor as they work to extract information that could be used against you later; in fact, you may want to consult with an attorney as soon as possible, and especially if the claim you are dealing with was caused by negligence on the part of someone else.
Dealing with a fire in your home is usually a very stressful situation, whether moderate or catastrophic. This could have been caused due to a variety of different reasons, to include a construction defect such as a faulty electrical or mechanical system, issues with lighting, the kitchen, furnace, or more. Arson may be the last thing from your mind—but first on the insurer’s. Accusing someone or even just insinuating they may have been responsible for a fire is a grave matter as it is considered a serious and malicious criminal act; unfortunately, if there was no solid explanation found by the fire department, delaying due to an arson investigation could make it much easier for the insurer to avoid paying out a substantial claim—or at least to hold out as long as possible.
Attempting to deny your claim when there are no grounds to prove arson could be a sign of bad faith. If you have any type of claim that is being delayed for unreasonable or undisclosed reasons, or if you or witnesses are being intimidated, or if there is an outright denial without validity, this is not your fault but more likely an angle being used by the insurer to keep their money in the bank earning interest as long as possible or to try and get out of paying the claim completely.
If you need help reviewing your insurance policy, or if you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm. If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!