Bad Faith Insurance Attorneys in Dallas & Houston, TX

An insurance company has a duty to conduct a reasonable investigation of the claim and promptly pay a claim that is owed. An insurance company commits bad faith when it fails to reasonably investigate a claim or fails pay a claim when it is reasonably clear the claim is owed. It is improper for an insurance company to fail to conduct a reasonable investigation to be able to claim it was never clear the claim was owed. Certain unreasonable conduct by an insurance company in connection with a claim may generally constitute a State insurance code violations as well as violations of State Consumer or Deceptive Trade Practices Act statutes. Such conduct may expose the insurance company to an additional damage claim by the policyholder.

Insurance Bad Faith and Delayed Claims Handling

Many insurance companies deny or delay legitimate claims. Insurance companies and adjusters make claim denial or delay part of their normal operating practice. They make promises in their familiar advertising slogans to get your business, however frequently take steps during the claims process to minimize payout. Some insurance companies hire engineers, consultants and other “preferred” contractors they routinely use which are biased toward protecting the insurance company’s interest as well as their continued business obtained from the insurance adjuster.

Fighting the Tactics of Insurers

Many insurance companies deny or delay legitimate claims. In fact, some insurance companies and adjusters make claim denial or delay part of their normal operating practice. They make promises in their familiar advertising slogans to get your business but frequently take steps during the claims process to minimize payout. Some insurance companies hire engineers, consultants, and other “preferred” contractors that are biased toward protecting the insurance company’s interests as well as their continued business obtained from the insurance adjuster.

Grisham & Kendall, PLLC focuses on investigating whether your claim has been reasonably handled by the insurance company. We also determine ways to fight the negative tactics of insurers. Our review and investigation includes:

  • Reviewing your insurance policy and the coverage it provides.
  • Reviewing the payments made by the insurance company.
  • Reviewing all documentation related to your loss.
  • Performing an independent analysis by attorneys.
  • Engaging consultants and experts, when required, including roofing engineers, structural engineers, environmental consultants, business interruption experts, damage consultants and insurance-practices consultants.
  • Analyzing how to prove your claim in a timely and cost-effective matter.
  • Analyzing how to disprove the insurance carrier’s unreasonable position.
  • Investigating prior incidents similar to yours, including whether your insurer has a history of denying or underpaying claims like yours.

The attorneys at Grisham & Kendall, PLLC have represented hundreds of residential and commercial property owners whose claims have been wrongly denied or underpaid. If you have a disputed insurance claim, please contact us to discuss how we may be of assistance. The attorneys at Grisham & Kendall, PLLC can help your client recover what they are owed under their insurance policy. Please call Grisham & Kendall, PLLC at (713) 999-5085 or contact us online today.

Punitive Damages in Bad Faith Claim Cases

Under normal circumstances, an insurance company failing to provide adequate or timely coverage for a policyholder’s loses may be sued for their negligence. However, if an insurer’s actions are intentionally designed to harm a policyholder, they may be liable for additional compensation known as punitive damages. These damages aren’t available in every case, and a defendant may need to take some additional steps to prove that they deserve this compensation.

What a Policyholder Should Know about Punitive Damages

Punitive damages are only awarded in special situations where an insurance company has gone beyond the normal scope of negligence in bad faith dealings. As a result, most policyholders won’t be able to pursue these damages. However, in particularly severe instances when an insurer has exercised malevolent intent, these punitive damages may provide important additional compensation. The following may influence how these punitive awards are determined in a case:

  • The degree of financial or personal hardship caused by the insurer’s misdoing
  • The ongoing length of the mistreatment
  • Any attempts to conceal the misconduct

Before the court will grant the possibility of punitive damages, they must determine that clear evidence points to intentional misconduct on the insurance company’s behalf.

Protecting against Insurance Bad Faith

When homeowners purchase property insurance and make their monthly payments, they expect their insurance companies to uphold their part of the contract and pay on rightful claims. Unfortunately, though, many insurance companies act in bad faith and either refuse to pay or greatly underpay on claims. Insurance companies are required to act responsibly in responding to claims, but if they don’t, you may be able to take legal action.

If your insurance company is acting in bad faith and failing to pay on your claim, you can fight back. At Grisham & Kendall, PLLC, a Houston & Dallas insurance bad faith lawyer can help you get the financial benefits you deserve on your claim. To learn more about how we can help you, contact us today at (713) 999-5085 and schedule a consultation to discuss your legal options.

Protecting Yourself from Insurance Bad Faith

Insurance bad faith law can be complex, so getting the financial compensation you deserve may be complicated. Three ways you can help protect yourself from this insurance bad faith are:

  1. Be sure you are familiar with the terms of your insurance policy.
  2. Ask questions of your insurance agent when you sign up to make sure you understand everything before purchasing the coverage.
  3. Contact a qualified legal representative to help you fight for the benefits you need.

It can be difficult and intimidating to fight back against a negligent insurance company, but legal representation is important as it forces your provider to take your claim seriously.

Insurance Code Violations

Insurance companies have a responsibility to act in good faith toward their policyholders when dealing with granting, denying, and responding to insurance claims. Individuals and even businesses purchase insurance policies and pay monthly premiums, fully expecting to receive benefits if needed. Insurance companies are required to respond to claims promptly and also must provide written notification explaining why a claim has been reduced or denied.

When companies fail to uphold the Texas Insurance Code, they are denying you benefits you need. Do not suffer any longer from a fraudulent or bad faith insurance company that violates the insurance code. The Dallas bad faith insurance attorneys of Grisham & Kendall, PLLC, can fight to get you the benefits you need. Call us today at (713) 999-5085 and schedule a consultation with a qualified attorney.

Common Insurance Code Violations

Even though insurance companies claim they exist to serve their customers, they are trying to sustain a profit like any other business. They are happy to take your monthly payments, but some companies may be stingy or hard to work with if you have to file a claim. Insurance companies can act in bad faith by:

  • Refusing to honor claims
  • Not investigating a claim adequately
  • Putting off investigation of a claim
  • Denying life insurance
  • Denying disability insurance benefits
  • Refusing to pay damages
  • Attempting to avoid speaking with policy holder
  • Failing to disclose important facts

In some cases, if an insurance company wrongfully denies your claim or delays the payment you deserve, you may be entitled to financial recompense for your suffering in addition to the insurance payout itself.

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If you’ve been mistreated by a policy provider, you could be able to hold that insurer responsible for their actions and obtain financial compensation for the trouble you’ve had to endure. To learn more about what to expect when filing an insurance bad faith lawsuit, speak with a Texas bad faith insurance attorney from Grisham & Kendall, PLLC, by calling (713) 999-5085 today.

Areas We Serve Bad Faith Insurance Claims

Plano, Richardson, Dallas, Fort Worth, Houston, and other cities in Texas.

Insurance Bad Faith and Your Rights

Homeowners and business owners pay monthly insurance policy premiums to provide financial protection in case of a natural event, flooding, theft, vandalism, or other property damage. When your property is damaged, you often expect to receive payment to help you recover your losses. After years of paying premiums to your insurer, it is only fair that they compensate you as outlined in the terms of your policy.

Unfortunately, sometimes insurers attempt to avoid paying on valid insurance claims filed by their policyholders. When they do so, they may be held legally accountable for acting in “bad faith”.

What is Bad Faith?

An insurance company can be found liable for bad faith when it purposely avoids paying on a valid claim. Denying, delaying, or underpaying a claim all qualify as acts of bad faith. Bad faith considered to be fraud, and insurance companies who intentionally deceive their policyholders can be sued to recover payment for losses caused by a company’s bad faith.

Your Right to Legal Action

When a company acts deceitfully and causes harm, those who are affected have the right to take legal action to recover compensation for their costs. If you believe that your insurer has acted in bad faith, don’t hesitate to consult with an experienced Dallas insurance bad faith lawyer as soon as possible. We can help you initiate your case against your insurer and will pursue a beneficial resolution either in or out of the courtroom.

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To discuss your bad faith insurance claim with a trusted Dallas insurance lawyer, don’t hesitate to contact us today at (713) 999-5085.

Conduct That May Indicate Bad Faith Practices

People buy insurance in order to protect themselves against the cost of unpredictable disasters. Whether it is a storm that devastates a home or a car accident that causes injuries and damages a car, insurance is a way to plan for the unexpected. That is why it is so important for insurance companies to fulfill their end of the deal when a customer’s property is damaged. Unfortunately, many companies may be guilty of bad faith practices which attempt to cheat customers out of the financial assistance they need.

If you have suffered a sudden disaster and your insurance company is acting in bad faith, you may need the representation of a skilled Dallas insurance attorney. Contact Grisham & Kendall, PLLC, today at (713) 999-5085 to speak with an attorney about your case and begin working towards getting the payment you are due.

Signs of Bad Faith Conduct

If you are dealing with an insurance company that is being uncooperative with your claim, they may be acting in bad faith. The following are some of the most common ways an insurance company can act in bad faith:

  • Misinterpreting policy language
  • Deliberate misrepresentation of the facts
  • Delaying response to a claim without explanation
  • Using an extreme standard for measuring damages
  • Using coercion or abusive tactics to make you settle a claim
  • Not investigating a claim thoroughly

This is by no means a comprehensive list of the types of tactics an insurance company may use. If you suspect you are being treated in bad faith by your insurance company, legal action may be the next recourse.

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At Grisham & Kendall, PLLC, we understand how important it is to obtain the coverage your insurance company owes you after a disaster. If your insurance company has attempted to deny or underpay your claim, contact one of our tenacious Dallas bad faith insurance lawyers today at (713) 999-5085.

Insurance Bad Faith regarding Policy Terms and Language

Insurance companies have a responsibility to their policyholders to present their policy contracts in clear terms that don’t use intentional misrepresentation. However, some insurance companies commit what is known as insurance bad faith by intentionally failing to do this. In an effort to cheat their customers out of money or avoid paying claims, they may use the language in their policy to confuse customers and re-interpret the terms of the policy when it suits the company best. When such acts of insurance bad faith are used against a policyholder in Dallas, the team at Grisham & Kendall, PLLC, understands how frustrating this can be and may be able to help.

Confusing Language and Insurance Bad Faith

Insurance companies can’t use flexible language or re-interpretations of contact terms to unreasonably deny policyholders their right to file a claim under that policy. In fact, an insurance company may be guilty of committing insurance bad faith if they do the following:

  • Writing contracts with standardized language, also known as boilerplate terminology, but interpreting these common phrases differently within the company
  • Writing policies with intentionally confusing terminology or phrasing, and failing to clearly or accurately explain how the policy works when a policyholder asks
  • Writing policies with unusual phrasing that may be vague and easily interpreted in various ways

If a policyholder is mistreated by their insurance policy provider in this way, they may be eligible to file an insurance bad faith claim for the extent of their financial damages.

Find Out More About Insurance Bad Faith

If your insurance company has used confusing terms or misinterpreted a policy with the intention of cheating policy holders out of money, you may be able to pursue a bad faith lawsuit to get the insurance benefits you need. To learn more about how we may be able to help you through this process, speak with an attorney from Grisham & Kendall, PLLC, today by calling (713) 999-5085.

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Office Locations

Grisham & Kendall, PLLC

Dallas Office

5910 North Central Expressway #925
Dallas, TX 75206
Phone: (214) 308-2027

Houston Office

3515 Fannin St.
Houston, TX 77004
Phone: (713) 999-5085

Fax: (214) 308-2036

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