Insurance Bad Faith Lawyers

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Insurance Bad Faith Lawyers in Jackson, Mississippi

Insurance companies and adjusters have a responsibility to insurance holders to handle claims fairly and within a reasonable time frame. You purchase insurance in order to protect yourself and your family, and insurance companies have a duty to honor their contract to you. However, there are cases where insurance adjusters or companies put their own interests above their obligations. When this happens, insurance holders may face serious difficulties paying for necessary repairs or other expenses.

The job of an insurance adjuster is to investigate a claim, determine the value of a claim, and make an offer to settle a claim for the lowest justifiable dollar amount possible. Insurance adjusters have an interest in saving the insurance company money, but they also have a duty to honor their obligations to insurance holders. An insurance adjuster has to do more than just offer you a low (but justifiable) settlement in order to be guilty. If an insurance adjuster is denying a claim without offering sound reasoning, if you feel that your settlement offer is unreasonably and unjustifiably low, or if an adjuster ignores facts or evidence, you may be able to pursue the insurance company in a lawsuit.

In order to win a lawsuit, you’ll have to show that the insurance company or adjuster acted in bad faith without an arguable basis. The attorneys at Heilman Nisbett Polk have many years of experience handling bad faith insurance claims and lawsuits under all insurance coverages. Our firm will work closely with you to help you understand your rights and help you get the outcome you deserve.

Signs of Bad Faith Tactics

How do you know if an insurance adjuster is acting in bad faith? Adjusters handle many cases and often have more knowledge of policies and laws than individuals who are filing a claim. This advantage can sometimes work against individuals who are seeking a fair insurance settlement. Here are some warning signs an insurance adjuster may be acting in bad faith:

Your Adjuster is Ignoring Facts and Evidence

Your adjuster is ignoring facts and evidence, even if you have brought the information to his or her attention more than once.

Denial of Claim Without Documentation

If you spoke to an adjuster on the phone and your claim was denied, you may want to ask that your insurer or adjuster send you a written statement and reasoning for your denied claim. A written statement should tell you why your claim was denied. If you think the reasoning isn’t sound or if you aren’t provided with written documentation regarding why your claim was denied, you may wish to speak to a denied insurance claim lawyer.

Adjusters are Offering a Very Low Settlement for Your Claim

More and more often, insurance adjusters use algorithms and computer programs to estimate the value of claims. In some cases, these estimates may not be based on the actual damages you sustained, but on a lower estimate of damages that typically happen given a particular loss. This is why it is important to make sure that your insurance adjuster has all information available on your claim. You may want to ask how your adjuster arrived at his or her value for your claim.

If your adjuster claims that certain repairs will cost less than they are estimated to cost you, you may want to dispute this with your insurer. However, if you believe you are being offered a very low settlement for your claim, it may be wise to speak to a denied insurance claim lawyer. Some insurance companies know that individuals face bills and expenses after a loss. Some rely on a client’s sense of urgency to pay bills, thus leading to the acceptance of lower estimates. If you think a settlement is too low, speak up.

Adjustors Are Misinforming You

Your adjuster uses false information, improperly informs you about the law, or engages in other fraudulent means to deny or delay your claim.

You May Only Have a Limited Time to Take Action

The law places limits on how long individuals have in order to make an insurance claim and file an insurance bad faith lawsuit. Sometimes, adjusters may even delay your claim in order to allow the statute of limitations to pass. If you are having difficulties with your insurance adjuster or insurance company, contact Heilman Nisbett Polk today to take action and get the recovery you may deserve. Our bad faith lawsuit lawyers in Jackson, Mississippi have your best interests in mind and fight for justice.

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File a claim in writing and keep all records and communication you exchange with your insurance company.

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Review your policy to see what is and isn’t covered.

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Take photos and make a list of all losses.

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Secure your home against theft if you cannot live in the house.

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Cooperate with investigators and provide as much information as you can.

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Don’t give a statement to investigators before consulting with a denial of fire loss claim attorney in Jackson, Mississippi.

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Be mindful of all deadlines in your insurance policy

Facing a Denial of Your Lightning Damage Claim?

If your claim is being denied or if you believe you deserve more money, contact Heilman Nisbett Polk. Our denial of fire loss claim lawyers may be able to help you.

Facing a Denial of Your Lightning Damage Claim in Jackson, Mississippi?

Lightning damage can lead to fires and other losses. Electrical systems can require repair. Lightning can either hit your home or an object near your home, thus causing damage. Denial of a lightning damage claim can be stressful for individuals and families facing massive and expensive repairs. The lightning damage claim lawyers at the Heilman Nisbett Polk Group, PA understand the unique challenges you may be facing. Our firm will investigate the facts of your claim and work to see that insurance companies honor their contractual obligations to you. If you need assistance with a claim, contact our firm today.

When to Speak to a Denial of Fire Loss Claim Attorney in Jackson, Mississippi

Fire damage and losses due to fire can be devastating. Individuals who have fire loss insurance may file a claim believing that their insurance company will protect them when they need them the most. Unfortunately, some companies act in bad faith and deny fire loss claims without proper justification.

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