When an insurance company fails to fulfill its obligations to the policyholder in a fair and reasonable manner, it may mean it is acting in bad faith. Louisiana Revised Statute § 22:1973 governs the practices insurance companies must follow regarding their good faith obligations. Specifically, insurance providers have a duty of good faith to adjust and pay claims
What is the Bad Faith Law in Louisiana? Read More »
Homeowners and their insurance companies are bound to each other by contractual commitments. Both you as the policyholder and your insurance provider must fulfill certain obligations as part of your relationship, like you paying your premium on time and your insurance company investigating any claims you may file. Most of the time both parties hold
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Yes, you have a legal right to dispute a rejected property insurance claim in Colorado. Homeowner’s insurance claim denials come in all forms. Sometimes claims are denied due to simple errors or misunderstandings. Other times the reasons include policy exclusions or coverage limits. To learn more about common reasons claims are denied in Colorado, be sure
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In Louisiana, the statute of limitations on property damage claims, including those related to homeowners insurance, is typically one year from the date of the incident or discovery of the damage. This statute of limitations is outlined in Louisiana Civil Code Article 3492. Below we’ll discuss what the statute of limitations on property claims in Louisiana means
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In Florida, insurance companies are required to settle hurricane claims promptly and fairly. They must respond to your claim within 14 days, and, to avoid a bad faith demand, they should make a claim determination within 90 days. Here are some other things to be aware of if you’ve experienced hurricane damage to your property. If you
How Long Does an Insurance Company Have to Settle a Hurricane Claim in Florida? Read More »
Insurance companies deny claims for myriad reasons and they vary based on the specifics of each case. In Colorado, as in other states, insurance companies have certain criteria and guidelines they use to evaluate claims. While some denials are legitimate due to policy terms or lack of coverage, there are situations where denials may be
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When homeowners experience damage to their property, they need relief fast. The work of building back up after your roof has been damaged or a hurricane wreaks havoc takes time and costs money. That is why you have property insurance – to help restore your home or business to its original condition. The law in Louisiana recognizes
How Long Does a Homeowner’s Insurance Company Have to Settle a Claim in Louisiana? Read More »
In Florida, bad faith insurance law is governed by Fla. Stat. § 624.155. If your insurance company fails to fulfill its obligations to you as the policyholder in a fair and reasonable manner, it may be acting in bad faith. Bad faith encompasses the following: Time Limits and Bad Faith Demand in Florida Recent changes to
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Property insurance claims in Colorado can be denied for a host of reasons, and in some cases, those denials are not warranted or were done in bad faith. If you believe your claim has been wrongfully denied, you have options, including the right to appeal the decision. In this post, we’ll discuss some of the steps
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On top of everything else there is to deal with after a storm, a denied roof damage claim from your homeowner’s insurance company should not be one of them. But, the reality is it can and does happen to property owners across Louisiana. Not only is this frustrating and stressful, it can leave you with
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