What If a Hail Damage Claim Is Denied in Bad Faith?

Posted on May 4, 2023


Long Nguyen | author

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ICHQ | Site Author

Hailstorms can strike at any time and cause damage to homes and other property. Often, there’s nothing you can do to prepare for it. The unpredictable nature of such damage is one of the main reasons to have insurance.

But unfortunately for some, insurance companies that should be focused on holding up their end of the contract can just as easily act in bad faith toward their claimants. Through this, the insurance company keeps more money in its pocket while the claimant is left without the benefits they deserve.

Our bad faith insurance attorneys explain how the hail damage claims process should work. We discuss how bad faith on the part of your insurance can interrupt your claim and how partnering with our team at Insurance Claim HQ can make all the difference.

How the Hail Damage Claim Process Should Work

Your insurance policy is a two-way contract: You pay a premium, and your insurance company should pay a claim when something goes wrong. Therefore, your responsibility as the claimant is to:

  • Document your losses as well as you can
  • Contact your insurance company to file a claim
  • Cooperate with them to keep your claim moving forward

Your insurance company, however, also has responsibilities. They are legally obligated to be fair, honest, and reasonable with your claim. This includes prompt action, accurate communication, and appropriate compensation.

How Insurance Companies May Act in Bad Faith in Your Hail Damage Claim

Too often, insurance companies act in bad faith toward claimants. A common reason for this is making money. As a business, any given insurance company can get caught up in making and saving as much money as possible.

Here are some ways that insurance companies might act in bad faith in order to minimize your claim and maximize their profits:

  • Making low settlement offers
  • Delaying communication
  • Requesting irrelevant documents
  • Setting unreasonable standards for evaluating your claim
  • Giving you incorrect information about your policy or claim
  • Accusing you of insurance fraud

If you’ve experienced any of these issues with your insurance claim, our homeowners insurance claim attorneys can make sure you’re getting what you deserve. Most claimants don’t find themselves in these kinds of conversations on a regular basis; insurance companies do. That’s why partnering with bad faith insurance attorneys is a great step toward getting what you deserve from your claim.

How Insurance Claim HQ Can Help

If you have a hail damage claim, and your claim is denied in bad faith, contact us at Insurance Claim HQ today to get the experienced help you need. The claim denial you’re facing doesn’t have to be the end of the case. Our homeowners insurance attorneys are well-versed in dealing with bad faith insurance companies. We can pursue your case in full.

FAQs About Bad Faith Claims

What exactly does “bad faith” mean?

“Bad faith,” in legal terms, simply means any kind of dishonesty or fraud. Specifically, it applies to intentional acts that have real legal and financial consequences.

If an insurance company denies my claim, what are my options?

If your claim is denied, don’t give up. First, you can file an appeal with your insurance company. Second, you can hire bad faith insurance attorneys to assist you with the appeals process and any subsequent lawsuits that may be required in the future.