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Pensacola Bad Faith Insurance Lawyer
We Handle Denied Put Years of Experience On Your Sideelayed Claims Throughout Florida
Homeowner’s insurance is meant to provide financial protection if something unexpected and unfortunate happens. You pay your premiums in good faith, expecting the insurance company to have your back when you need them most. Unfortunately, this isn’t always the case.
Insurance companies sometimes try to deny or delay legitimate claims, leaving homeowners struggling with a major loss and no help from their insurer. If you think that an insurance company has wrongfully denied or delayed your claim for coverage, it may be time to seek legal assistance from our experienced Pensacola bad faith insurance lawyer.
What Is Bad Faith Insurance?
Bad faith insurance is a term used to describe an insurance company not fulfilling its contractual obligations. When an insurer does not act in good faith, it may deny valid claims or delay the payment of benefits without proper justification. This can have serious financial ramifications for policyholders who are genuinely entitled to compensation.
Examples of bad faith tactics include:
- Refusal to pay legitimate claims
- Unreasonable delays in processing payments
- Misrepresentation of coverage terms
- Attempting to settle cases for far less than their true worth
- Adding extra requirements prior to paying out a claim
If you have paid your insurance premiums on time, fulfilled all the requirements for filing a claim, and have a policy that covers your losses, your insurer is required to act in good faith and provide the benefits you're entitled to. If they fail to do so, you may have legal grounds to take action against them.
Proving Bad Faith in a Bad Faith Insurance Claim
When insurance companies deny valid claims or delay payment of benefits, they may try to intimidate you and blame you for their actions. They often claim that they were in the right and that it was your fault for not following proper procedures. However, there are ways to prove bad faith on the part of an insurer so you can get the compensation you deserve.
Some of the ways we can prove bad faith is by:
- Gathering and analyzing evidence: Collecting evidence of the insurance company's actions, such as emails and documents that show delays or denials, can demonstrate bad faith.
- Reviewing insurance policies: Carefully examining your policy can prove whether the insurer is acting within its rights or not.
- Obtaining expert witnesses: Getting testimonials from qualified witnesses who are familiar with how insurers should handle claims can be useful in proving bad faith.
- Assessing bad faith tactics used by insurers: Identifying instances where an insurer has tried to intimidate you into settling for a lower payment than what you're entitled to may indicate bad faith.
- Investigating communications between you and your insurer: Examining communication between you and the insurer will allow us to determine if they were providing obfuscation or being untruthful in their dealings with you.
- Filing complaints with state regulators: In certain cases, we may file complaints about bad faith insurance practices with state regulators. This could lead to fines against the company for violating regulations on processing claims fairly and quickly.
What Damages Can Be Collected in a Bad Faith Lawsuit?
At Crawford Law, we won’t let insurance companies bully you and have the last word. We understand how important it is for policyholders to receive their rightful benefits, and we aren’t afraid to litigate in order to hold insurers accountable for bad faith practices.
If you’ve been wronged by your insurer, here are some of the damages that can be collected through a bad faith lawsuit:
- Reimbursement of medical expenses related to an injury or illness covered by your policy
- Recovery of lost wages due to an inability to work caused by a denied claim
- Payment of punitive damages if the insurer acted with malicious intent or gross negligence
- Refunds on overpaid premiums if there was fraud involved in setting up your coverage plan
- Interest paid on overdue payments from insurers
No one should have to suffer because of an insurer's negligent or fraudulent behavior. If you’re owed compensation by your insurer, don’t hesitate to seek legal help. Crawford Law is here to fight for justice on behalf of our clients and ensure that bad faith claims are handled in a timely and fair manner.
Get Started On Your Case Today
At Crawford Law, we understand how difficult it can be when a homeowner faces a significant loss without the support of their own insurer. That's why our team is dedicated to helping clients fight these unjust practices and get the compensation they deserve under Florida law. Our Pensacola bad faith insurance lawyers are well-versed in dealing with insurers who play games and won't back down until justice has been served for our clients.
If you think you have been wronged by your insurance company, don't wait to get the help you need. We are available 24/7 and are committed to providing compassionate and effective legal advice for our clients. Let's work together to make sure your rights as an insured person are protected!
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