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Three things common in insurance bad faith claims

Many California homeowners have been impacted by the devastating wildfires throughout the state this past fall. These homeowners will often have to file claims with their insurance companies in order to recover compensation under their policy in order to rebuild or repair their homes or property.

Unfortunately, many of these insurance companies will try to make it difficult for individuals to recover the money they are rightfully owed. They will deny the claims repeatedly in the hopes that the policyholders will simply give up.

Know that in some situations, the insurance companies may be acting in bad faith. In this post, we want to discuss some of the most common examples that frequently occur in bad faith claims, so that you know what to do if you see similar things happening to you.

Requests for more information

This is not all that unusual. Before an insurance company will approve a request under a policy, it might ask you to submit more information about your claim. Perhaps photos of the damage or a more detailed overview of the impact to your specific property.

This can rise to the level of bad faith if the insurer continues to ask for more information time and time again. They are not making any new determinations on your claim with the new details that you provide, and are simply trying to frustrate you.

Refusing to respond to your claim

When you submit a request to your insurer, they have a responsibility to offer you a timely response to your claim. If they fail to do so, this too, may be considered bad faith. If they do not have a valid or reasonable reason for failing to respond to you, know that you may be able to bring a claim against them for their inaction.

Failing to investigate your claim

Before they issue a definitive opinion on whether or not an incident is covered, the insurers should perform a detailed investigation in order to make certain something is within the scope of the policy. Often, they will issue a denial early on in the process without examining any of the evidence to determine whether or not you have a valid claim.

If any of these things are happening to you, you may wish to speak to an experienced lawyer to learn more about your options. This will help you understand the actions of your insurer, and also learn the appropriate steps to take in order to get the insurer to treat your claim fairly.

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