If You've Been a Victim of Fire or Water Damage
Misrepresentation of the terms of your insurance policy can be negligent. Terms that are deliberately misrepresented to convince you to buy a policy, when otherwise you might not have, is a violation of what we call “good faith and fair dealing” and there are certainly laws to protect the consumer in this situation. Contacts for insurance policies should be represented truthfully, never deliberately misstated so that you buy a policy, and always in fairness. When the unfortunate happens and you buy an insurance policy that misrepresented its terms, you need to hire an attorney.
Insurance agents are eager to sell insurance, and there’s no shame in that. It’s their job. These agents have obligations and legal responsibilities, though, to sell you only the coverage that you ask for and to represent that policy honestly and fairly before you purchase. Making sweeping claims about the policy that aren’t actually contained in it is a breach of consumer confidence, and it can come back to haunt both the consumer and the agent guilty of breaking good faith. The reasons they do it are obvious: They get a commission when you buy an insurance policy, so they want you to buy. Sometimes they overstake or outright lie in order to get you to make that purchase. Years down the road, after you’ve been paying premiums the entire time, you might have an accident and file a claim, only to discover your policy doesn’t even cover what your agent told you it did. When you discover this, it’s time to call our law offices. A seriously negligent act was taken by the insurance agent, and we’re here to hold them accountable.
What just happened is called insurance bad faith, and the toll can be devastating. You might have paid a high premium but still not received the coverage you thought you were getting, or there may be exclusions on your policy that you weren’t told about. The critical moment is if the agent made a “material misrepresentation of fact” when they were selling insurance to you. If so, a lawyer can help.
After you file a claim, you’ll deal with an insurance adjuster. This person’s job is to look into the facts of your claim and decide the amount the company is willing to pay on your claim. As we all know, adjusters represent the company, not you. This means they may attempt to pay you far less than you’re entitled to for your claim. These adjusters sometimes act in bad faith and say that you are not entitled to coverage for your claim when in fact you are entitled. Sometimes the policy was written out badly or intentionally misrepresented facts and the adjuster will go by this skewed version of your claim to deny you outright or to reduce the amount the company pays. Remember, for insurance companies it’s all about paying out as little as possible. For you, it’s about life, and a lawyer will represent your interests, not that of the adjuster’s. They will hold insurance companies responsible for this horrifically negligent example of bad faith.
Adjusters are especially good at skimming you out of dollars that you are entitled to. Only a free consultation with one of our lawyers will help you know 100% for sure if your insurance company has acted in bad faith and misrepresented facts to you. If you’ve been wronged, it’s time to play tough with the insurance company.
If you know you’ve been misled by an insurance agent or adjuster, it’s time to take action. Insurance bad faith attorneys work tirelessly for you to ensure that your company pays a fair amount for your claim, and that means we don’t stop until they pay you every last dime that they owe you. We never get paid until you do. That’s our promise to you.
Clients who come to us depend on us to recover maximum compensation for them, and that’s exactly what we deliver. We help people from all over the United States get the representation they need and the money they deserve when insurance companies act in bad faith. Insurance disputes are what we’re experienced in resolving. Our practice has a track record of recovering millions of dollars for our faithful clients, and we are just as faithful to our clients in every single matter. That means keeping you up to date on all of your case’s progress and playing tough with insurance companies who are trying to cheat you out of dollars. Don’t let them get away with it. Call us today and set up a free consultation to see if we can help.