Insurance Bad Faith Claims

You pay insurance premiums to be protected from an unexpected loss. Sometimes insurance companies will tell you that loss isn’t covered by your policy when that simply isn’t true. When an insurance company denies or delays payment of a claim that it knows should be covered, it’s called a “bad faith denial,” and you have legal options.

It can happen to anyone. In fact, attorney Kenny Mendelsohn experienced a bad faith denial of his own homeowners’ insurance claim for water damage. He understands how frustrating an unfair denial can be. He fought back for himself, and he will fight back for you, too.

Bad Faith Claims We Handle

Jemison & Mendelsohn handles bad faith denial of insurance claims under homeowners’, automobile, and other policies, for matters including:

  • Hail damage
  • Storm damage
  • Water damage
  • Lightning strikes
  • Fire damage
  • Electrical issues
  • Structural and foundation damage
  • Theft or vandalism
  • Uninsured/Underinsured (UM/UIM claims)

Our firm also represents individuals and businesses who have been sued and whose insurance companies should protect and defend them but refuse to do so. Bad faith denials can take place with almost any type of insurance, but they are especially common in homeowners’ insurance cases, where claims may be worth tens of thousands of dollars.

If a claim was denied in bad faith, the policyholder may be able to recover not only the benefits that were owed under the policy, but also damages for harm caused by the bad faith denial. If you suspect it has happened to you, contact our firm without delay.

Common Tactics Insurance Companies Use to Deny Claims

Insurance companies are businesses, and they make money by taking in more in premiums than they pay out in claims. If an insurer wrongfully denies even a small percentage of claims, most policyholders won’t appeal or challenge the denial. Even fewer will hire an attorney to help them, and very few will actually file a lawsuit against the insurer.

That means it can actually be smart business for insurance companies to deny claims. The amount they save by not paying legitimate claims is often much more than they have to pay out due to the occasional lawsuit. Common signs of insurance bad faith include:

  • Unjustified denial: Denying your claim without giving a “reasonably legitimate” explanation
  • Unnecessary delays: “Slow walking” the claims process, putting financial pressure on you to settle
  • Lowball offers: Offering you much less than your claim is worth, especially after a long delay
  • Failure to disclose benefits: Not telling you about benefits or coverage that might be available to you under your policy

Alabama law provides you with protection against bad faith denials of insurance claims, and an experienced insurance bad faith attorney can help you make the most of it.

Why Hire an Alabama Insurance Litigation Attorney?

Bad faith insurance claim denials are common, but there are relatively few attorneys who regularly represent policy holders in these matters.

Attorney Kenny Mendelsohn is a seasoned courtroom attorney with decades of experience litigating insurance bad faith claims. He knows that when you’ve faithfully held up your end of the bargain, paying your premiums on time for years, the insurance company’s unjustified refusal to pay your claim feels like a betrayal.

Kenny understands how damage to your home or car can disrupt your life, and how critical insurance funds are to making necessary repairs and getting things back on track. These cases aren’t just about money; they’re about fairness. If you have a case, Kenny is prepared to pursue it all the way to trial if necessary, keeping you informed every step of the way.

How We Help

Don’t just accept the insurance company’s denial of your claim. Even if you’re not sure the insurer acted in bad faith, you should have your case reviewed by a knowledgeable attorney. There is no charge for the review, and if we accept your case, you pay nothing unless we recover money for you. Contact Jemison & Mendelsohn today to schedule your free consultation.