If you feel your insurance company is mistreating you in any way, it’s time to contact a Texas insurance attorney to learn whether or not you have a case. Remember, Millin & Millin Attorneys will offer free consultations to give you a chance to determine if you need our services.

If your insurance company has treated you in bad faith, it may be time to file a bad faith lawsuit with help from Millin & Millin Attorneys. Texas insurance law gives policyholders the right to seek the damages they feel they may be owed in case of insurer wrongdoing, including the money to fix your property and your attorney’s fees.

Along with the full and rightful value of their original Texas insurance claim and attorney’s fees, a jury and judge may require Texas insurance companies to pay additional damages in interest for not paying the claim promptly and punitive damages for intentionally wrongful behavior.

Bad faith can happen in different ways. One sign of bad faith is when an insurance company fails to investigate a claim, ignores your requests for help, or unreasonably delays its claim decision. Sometimes, the carrier’s bad faith is reflected in its decision to pay less than your claim is worth. It may conclude that the cost of the damage is less than your deductible and pay nothing, or it may simply deny your claim without justification.

With that in mind, the first step is to figure out why exactly your insurance company denied or underpaid your claim. If it was a valid reason, such as if a policy exclusion applies, then you may not have been denied in bad faith. The best way to know for certain whether or not your insurance company has acted in bad faith is to consult with Millin & Millin, who can investigate your case at no cost to you.

Unfortunately, bad faith is present across all kinds of insurance. The most common we see involve property damage claims, usually after a strong windstorm, hailstorm, or named storm, such as a tropical storm or hurricane. The damage from such storms is sometimes obvious, but often it is more subtle and won’t manifest in leaks or additional damage for years later. By that time, it’s too late to make a claim. Millin & Millin can hire an experienced consultant to investigate all the damage at no cost to you.

We have also handled claims stemming from other types of insurance policies, such as life insurance contracts, auto insurance policies, and health insurance policies. In all of these cases, the insurance companies are motivated to save money by denying, delaying, or wrongfully underpaying claims.