Are you tired of getting the runaround from your insurance company?
You paid your premiums and followed the rules, but now they won’t treat you fairly. That isn’t right, and you don’t have to accept it.
At Insurance Claim HQ, we know how to handle insurers who delay, deny, and underpay property casualty insurance claims. Our bad faith insurance attorneys have helped thousands of policyholders across Louisiana stand up to unfair insurance practices. Let us help you, too.
If your home, property, or business was damaged in Baton Rouge and the insurance company is giving you trouble, contact ICHQ today for a free consultation. We can review your case, explain your options, and discuss how we can help you fight back.
Understanding Bad Faith Insurance Claims
When you pay for insurance, you expect your insurer to follow your policy’s terms and handle your claims fairly. But sometimes, insurance companies act unfairly or try to avoid paying what they owe. That’s called acting in bad faith. Common signs of insurer bad faith include unreasonable delays, low offers, false statements about your coverage, or denials of valid claims for no good reason.
Insurance companies must act honestly and follow the law when handling your claim. If they don’t, you could have the right to take legal action through a bad faith insurance claim. An attorney from ICHQ can help you review your situation and determine whether you have a valid claim.
Louisiana Bad Faith Insurance Laws
Louisiana law gives policyholders numerous rights when dealing with insurance companies.
For example, you have the right to fair treatment, honest answers, and timely payments. You can also expect clear explanations for denied claims, advance notice before cancellation or nonrenewal, and full access to key documents in your claim file. If your insurer acts unfairly, you also have the right to file a complaint with the Louisiana Department of Insurance.
If an insurer delays or denies your claim without a good reason, you could have grounds for a bad faith insurance lawsuit. In most cases, Louisiana gives you 10 years to file this kind of lawsuit. However, some insurance policies include tighter deadlines, sometimes as short as two years. That’s why it’s important to review your policy language carefully.
If you’re unsure about your coverage or how much time you have to act, a Baton Rouge bad faith insurance lawyer can review your documents and explore your options.
Types of Bad Faith Insurance Claims We Handle
ICHQ helps policyholders in Baton Rouge take legal action when their insurers act in bad faith. Some common types of bad faith insurance practice cases our firm can handle include those involving:
- Unreasonable delays in processing claims – Insurance companies must handle claims within a reasonable time. If they drag out the process for no valid reason, they might be acting in bad faith. These delays can leave people without the money they need after a loss.
- Lowball settlement offers – Some insurers try to save money by offering much less than a claim is worth. Their hope is that policyholders will accept out of frustration or desperation. This brushes aside the real value of the claim and violates insurers’ duty to handle claims honestly.
- Denying a valid claim without a clear explanation – If an insurer denies a claim without giving a specific reason or gives a vague excuse that doesn’t match the policy terms, it could be a sign of bad faith. Insurers must explain exactly why they deny claims based on what their policy says.
- Failing to investigate a claim properly – Insurance providers must thoroughly investigate claims before deciding whether to pay them. If they skip steps, ignore key facts, or rely on incomplete information, they may violate Louisiana bad faith insurance laws.
- Misrepresenting policy terms – Sometimes, insurers tell policyholders they don’t have coverage for a loss when they actually do. Misleading someone about what a policy says or leaving out essential details can count as bad faith if it leads to a wrongful denial.
How a Baton Rouge Bad Faith Insurance Attorney Can Help You
When you suffer property damage, you should be able to trust that the insurance company is on your side. If it acts unfairly, consulting an experienced bad faith insurance lawyer may make a real difference. A skilled lawyer from ICHQ can deal with the insurer on your behalf and help you stand your ground by:
- Reviewing your insurance policy to determine the coverage you have
- Gathering the documents and records needed to support your claim
- Communicating directly with the insurance company on your behalf
- Spotting and challenging unfair tactics used to delay or deny your claim
- Calculating the full value of your losses, including property damage and other costs
- Demanding a fair payment from the insurance company based on your policy terms
- Filing a formal complaint with the Louisiana Department of Insurance, if necessary
- Hiring experts to support your claim, such as appraisers or contractors
- Negotiating for a better settlement if the insurance company makes a low offer
- Preparing a strong case to take to court if the insurer refuses to cooperate
Why Choose Our Bad Faith Insurance Attorneys?
At ICHQ, we don’t back down when insurance companies try to avoid paying what they owe.
Our attorneys have decades of experience handling property damage claims, and we know how and when to push back if insurers delay or deny payments. Many of our team members grew up in Louisiana, so we know the havoc that floods, hurricanes, fires, and other crises can wreak on a family’s life. We also understand the importance of timely, fair compensation when you’re trying to recover.
Our law firm has helped over 70,000 clients throughout Louisiana and nationwide. Every day, we use our extensive knowledge and experience to help policyholders across Baton Rouge seek the results they deserve. We listen, stay in touch, and always put your needs first.
Whether you need help with a denied claim or just want a second opinion, our experienced bad faith insurance attorneys will take the time to review your case and give you straight answers.
Contact the Baton Rouge Bad Faith Lawyers at Insurance Claim HQ Today
Don’t wait to get answers if your insurance company isn’t paying what it owes you. ICHQ can assess your situation and help you determine whether you have a bad faith insurance claim. Our legal team handles these cases all the time, and we know how to deal with insurance companies that won’t play fair.
Contact us today to arrange your free consultation. We’re here to listen and ready to help.