Bad Faith Insurance Claim 
in Texas

Insurance claim denied? Make your insurance company pay what they owe with help from a bad faith insurance lawyer.
FREE CASE EVALUATION

Get Help After Texas Bad Faith

When you signed up for your insurance policy, your insurance company made the agreement to pay out on valid claims in exchange for your monthly premiums. Bad faith comes in when insurance companies try to get out of paying what they promised.

Common Bad Faith Insurance Practices

Delay

Using Stalling Tactics

Many Texas bad faith insurance claims relate to unfair and unjustified delays without a reasonable explanation.

Deny

Without a Valid Reason

If your insurance company has denied your claim without a valid reason, you may need to file a bad faith lawsuit.

Underpay

Lowballing Settlements

Another common type of bad faith claim involves lowball settlement offers from Texas insurance providers.

Misrepresent

Misleading Policyholders

Insurance companies may try to mislead policyholders regarding the details of their policy and the coverage they may be owed

Refuse to Investigate

Non-Cooperation With Claimant

Your insurance company is required to take reasonable steps to investigate your claim in good faith.

ABOUT BAD FAITH INSURANCE LAWYER

When it comes to proving bad faith practices in court, the tactics your attorney will use will depend on the type of bad faith committed against you. There are two primary categories of bad faith insurance claims recognized in Texas: common law bad faith and statutory bad faith. Your case may involve both types of bad faith.
A close up shot of a pen on an insurance claim form
Common law bad faith involves unfair or deceptive acts that are not technically against the law. Proving these acts is based on court precedents rather than Texas law. In general, common law bad faith occurs when an insurance company acts unreasonably and harms the policyholder as a result. As you might expect, this can include a broad range of behaviors. If you think your insurance provider may have acted unreasonably when handling your claim, it might be time to file a bad faith lawsuit.
Statutory bad faith happens when an insurance company actually breaks the Texas Insurance Code. Proving statutory bad faith claims comes down to proving an unlawful act. The law specifically prohibits insurance companies from denying or delaying claims without a valid reason. Like with common law, this type of bad faith can include many types of behaviors, including some which may also fall under common law bad faith. If your insurance company wrongfully denied or delayed your claim in any way, you may have a valid statutory bad faith claim.

Flood Damage

When it comes to flood damage, it can be difficult to determine whether or not your case is covered under your policy. We can help you make a strong, valid claim.

Storm Damage

Storms are a fact of life here in damage, and so is storm damage. If your storm damage insurance claim is denied, we’re ready to help you seek whatever you may be owed.

Burst Pipes

Burst pipes can cause absolute chaos and destruction. Getting insurance coverage can make a huge difference in moving forward. Let us help you fight for what you’re owed.

Why Should You Hire Millin & Millin Attorneys?

We can make the insurance company pay.

Millin & Millin Attorneys is proud to fight for those who have been wronged by insurance companies, and we won’t rest until you get the payout you deserve. When you need coverage, you need attorneys you can trust.

  Get To Know Us

BLOGS

October 2, 2023
Sending a Bad Faith Letter to Your Insurance Company

When you sign up for comprehensive homeowner’s insurance, you should be able to rely on that coverage in case of an emergency. Unfortunately, insurance companies don’t always want to hold up their end of the bargain. In those cases, they may act in bad faith in an attempt to get out of paying what they […]

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July 8, 2022
Reasons Your Health Insurance Claim Might Be Denied

Unfortunately, accidents happen and things don’t always go as planned. An insurance claim that's denied only adds to the frustration of an already difficult situation. People end up in predicaments like this all the time, but why and how? While some claims are denied in bad faith, there are many reasons why a health insurance […]

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February 15, 2022
Bad Faith Insurance Lawyers and The “Duty to Defend:” What You Should Know

The fact of the matter is that individuals need insurance for a variety of circumstances. From protecting our families to protecting our property from the unpredictability of the world, insurance is essential.  But what happens when an insurance company doesn’t follow through with its end of an agreement? This is where bad faith insurance lawyers […]

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November 3, 2021
What You Need to Know About Hurricane Homeowner Claims

Gulf Coast living provides many exciting recreational activities that the land-locked residents of most other states do not get to experience. But these opportunities come with a risk; warm-water hurricanes. Homeowners know they must prepare for these events, and that includes knowing how to purchase insurance that will help you rebuild in case your part […]

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Bad Faith Frequently Asked Questions

There are some insurance providers who are frequently found on lists of the worst bad faith actors in the space. The top ten worst companies are often listed as:
  • Allstate
  • Unum
  • AIG
  • State Farm
  • Anthem
  • Farmers Insurance
  • United Health
  • Global Life
  • Liberty Mutual
  • Progressive
To learn more about why each of these providers landed on this list, check out our guide to the worst insurance companies for bad faith.
If you need to file a bad faith insurance lawsuit, you need help from an attorney. First, these types of lawsuits are incredibly complex, and experienced bad faith insurance lawyers have the expertise needed to guide you through the process. As if that weren’t reason enough to consider hiring a lawyer, there’s more: insurance companies often have high-powered legal teams on their side that will stop at nothing to keep their clients from paying what they rightfully owe. An experienced attorney can be your champion against insurance representation.
Here at Millin & Millin Attorneys, we’re proud to work on a contingency fee basis. What that means is that we get paid as a part of your settlement, and we only get paid when and if you when. You won’t have to pay us anything at all until you win, and our pay comes out of your total settlement amount. Often, attorney fees are figured into settlements, meaning you will still get all of the coverage that you need.
If you feel your insurance provider has wrongfully delayed, denied, or underpaid your claim, it’s time to talk to a lawyer about filing a bad faith insurance lawsuit. You may also need to file a claim if your insurance provider treated you unreasonably or misrepresented your policy. If you’re not sure whether or not you have a valid bad faith claim, you should consult with an experienced bad faith attorney.

WHAT CLIENTS ARE SAYING

  • John and his team did a great job for us! Tried on my own to get the insurance company to do right by us after storm damage to our roof, but they would not cooperate. Millin and Millin helped us get what we deserved.
    Kevin Pagan

  • We have worked closely with Millin & Millin twice on weather related insurance claims and both times we were so grateful for their expertise in guiding us through the process. Our experience with Millin&Millin can only be described as excellent.
    Chris Henderson

  • We cannot recommend Millin & Millin attorneys highly enough for anyone facing challenges with their insurance claims. Their efficient and effective approach, combined with their professionalism and expertise, truly sets them apart in the legal field. Thank you Millin & Millin, for your exceptional service and support and retrieving the appropriate amount from the insurance companies to fix the damages to our home.
    Chris & Vanessa Curl

  • I had a dispute with my landlord about water and mold damage in my apartment. Millin and Millin worked with me diligently to reach a desirable conclusion. They thoroughly explain all legal documentation and advise you at every step of your legal process. Their expertise and knowledge is excellent, and they will fight for you until you get the outcome you deserve.
    Caroline Harms

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