Insurance Disputes attorneys by state.

What should I do if my insurance claim is denied?

Request the denial in writing with the specific policy provisions cited. Review your policy carefully — denials are sometimes based on misinterpretations or exclusions that don't actually apply. You have the right to appeal internally, and if that fails, you can file a complaint with your state's department of insurance or pursue legal action. An attorney can evaluate whether the denial is valid and advise on next steps.

What is "bad faith" insurance?

Bad faith occurs when an insurance company unreasonably denies, delays, or underpays a valid claim. Examples include failing to investigate properly, misrepresenting policy terms, refusing to pay without a reasonable basis, and making lowball offers to pressure quick settlements. Most states allow policyholders to sue for bad faith, with remedies that may include the claim amount, consequential damages, attorney fees, and in some states, punitive damages.

How long does the insurance company have to respond to my claim?

Timeframes vary by state and claim type, but most states require insurers to acknowledge claims within 15 days, begin investigating promptly, and make a coverage decision within 30-45 days. Unreasonable delays can constitute bad faith. If your insurer is dragging its feet, document every communication and consult an attorney about your state's specific requirements.

Can I dispute a low settlement offer from my insurance company?

Absolutely. Insurance companies often make initial offers well below what a claim is worth. You can submit additional documentation (repair estimates, contractor bids, independent appraisals) to support a higher amount. Many policies include an appraisal clause for property damage disputes. An attorney can negotiate on your behalf and pursue legal action if the insurer refuses to pay fairly.

What is the difference between first-party and third-party insurance claims?

A first-party claim is against your own insurance company (e.g., filing a homeowner's claim for storm damage). A third-party claim is against someone else's insurance (e.g., filing against the at-fault driver's auto insurer). The legal standards, procedures, and available remedies differ. First-party claims may give rise to bad faith claims against your own insurer, while third-party claims are typically resolved through the liability claims process.

Does my insurance company have to pay for temporary living expenses?

Most homeowner's and renter's policies include "loss of use" or "additional living expense" coverage that pays for temporary housing, meals, and other costs when your home is uninhabitable due to a covered loss. The amount and duration of coverage varies by policy. If your insurer denies or limits these expenses unreasonably, an attorney can help you recover what you're owed.

What if my insurance company cancels my policy after I file a claim?

State laws regulate when and how insurers can cancel or non-renew policies. In many states, an insurer cannot cancel mid-term solely because you filed a claim. Non-renewals at the end of a policy period are subject to notice requirements and, in some states, limitations. If you believe your cancellation was retaliatory or improper, file a complaint with your state insurance department and consult an attorney.

Should I give a recorded statement to the insurance company?

Be cautious. Your own insurer may require a recorded statement as a condition of your policy, but you should prepare carefully and understand what's being asked. The other party's insurer has no right to a recorded statement from you. In either case, consider consulting an attorney before giving any recorded statement — what you say can be used to minimize or deny your claim.