When natural disasters and property damage happen, getting insurance coverage is often essential for property owners to recover financially. Unfortunately, insurers often engage in bad faith practices to avoid paying fairly for valid claims. In cases of insurance bad faith, policyholders can get the help they need from an experienced Harlingen insurance lawyer.
If your insurance company acts unfairly during your claim process, our legal team at Millin & Millin Attorneys is ready to help you fight for whatever compensation you may be owed. Keep reading to learn more about how we can help with your Harlingen bad faith insurance case.
Unjustified Stalling
Delays without a valid reason are often used to pressure policyholders to accept low settlement offers and denials.
Wrongful Claim Denials
If your insurance company denies your claim without reasonable justification, you may need to file a bad faith claim.
Lowball Settlement Offers
Unreasonably low settlements are a common type of bad faith from insurance carriers, often leading to insurance disputes.
Misrepresenting Policy Terms
Insurance adjusters may attempt to mislead you about policy benefits. A Texas insurance attorney can help.
Not Processing Claims
If your insurer fails to investigate or process your claim and is refusing to act in good faith, you need help from a lawyer.
While you may be able to access the coverage you need through an insurance claim without legal help, it can be essential to get legal assistance when bad faith happens.
You should get help from a Harlingen bad faith insurance lawyer if your insurance company acts unfairly toward you in any way during the claims process. This might include sending excessive requests for documentation to delay and hamper the process. Your insurer may attempt to confuse you, or they may outright lie about the coverage provided by your policy. Under Texas law, insurers are also subject to strict timelines, which means delaying payments and failing to handle claims promptly can lead to bad faith lawsuits.
It’s important to get a lawyer when bad faith occurs because holding insurance companies accountable is often a complex, difficult, and time-consuming process. To get fair compensation for bad faith practices, you will need an attorney with a deep understanding of the Texas insurance code. Your lawyer needs to have the skills to fight back against high-powered insurance legal teams, relying on proven experience with insurance bad faith litigation. If your insurance company fails to handle your claim fairly, you can count on our team to help you seek compensation.
At Millin & Millin Attorneys, our insurance lawyers have more than 50 years of combined experience helping Texas property owners defend their legal rights to fair insurance coverage. We fight tirelessly to ensure insurers are held liable for delayed, denied, and undervalued claims, and we won’t rest until you get the settlement you deserve.
Through bad faith insurance litigation, policyholders may be able to access full coverage for the original claim. In cases of extreme wrongdoing or fraud, you may also be owed punitive damages. Under certain circumstances, policyholders may also be owed emotional distress damages.
The statute of limitations on bad faith legal action in Texas is two years. This means that you will have two years to file a lawsuit against your insurer for bad faith.
Unfortunately, there are many valid reasons why your insurance company may deny your claim. Your insurer is required to provide a written explanation for your denial, and you should also be able to confirm based on that documentation whether or not the justification seems reasonable. If you’re unsure or you think the denial justification might be fraudulent or unreasonable, you should get in touch with a Harlingen insurance law firm.
