Most people carry some kind of insurance — automobile, health, homeowner’s – to financially protect them from life’s unexpected problems.
An insurance policy is a contract between the insurance company and the policy holder in which the insurance company agrees to insure the policy holder against the risks specified in the insurance policy. When it comes time for the policy holder to make an insurance claim, the insurance company has a moral and legal obligation to resolve the claim fairly and in good faith.
Bad Faith on the Part of Insurance Companies
What happens when an insurance company acts in bad faith when deciding to handle your claim? What recourse does a policy holder have if they feel the insurance company did not honor the terms of the insurance policy when deciding a settlement?
If you are a policy holder who suspects your insurance company improperly denied your claim, the Houston bad faith insurance attorneys at Ricardo N. Gonzalez & Associates are here to help.
We have over 30 years’ worth of experience fighting the insurance companies and are familiar with all the tricks and gimmicks they use to try and wiggle out of paying a claim. Our highly qualified Houston bad faith insurance lawyers will review your claim, review your policy, gather evidence to support your claim, represent you during the appeal process and, if necessary, take them to court.
You Have Rights When an Insurance Company Acts in Bad Faith
Insurance companies have a duty to their policy holders to investigate and pay legitimate claims in a timely fashion. An insurance company can act in bad faith in a number of ways, such as:
- Denying payment for a legitimate claim.
- Delaying payment for a legitimate claim.
- Failing to process the claim in a timely manner.
- Refusing or failing to conduct a thorough investigating.
- Unreasonably delaying the investigation of a claim.
- Denying a claim that is covered under the policy.
- Unreasonable demands for documentation and other types of proof.
- Offering an inadequate settlement amount.
- Paying only partial benefits when full benefits are owed.
- Misrepresenting the meaning of the policy’s language.
Put Your Faith in Ricardo N. Gonzalez & Associates
Ricardo N. Gonzalez & Associates has an impressive record of success when it comes to representing our clients in bad faith insurance cases. Our lawyers have extensive experience dealing with disputes involving all kinds of insurance policies:
- Business Interruption Insurance: Insurance adjusters will often attempt to place blame for the loss on the business owner.
- Commercial Property Insurance: Call us when your insurance company insists on repairing damaged property when full replacement is needed.
- Homeowner’s Insurance: We’re on your side when the insurance company offers you a lowball settlement, undervaluing the damage to the home or property or delay payment on a claim.
- Fire damage claims: Insurance companies don’t like fire claims because they can be expensive to settle. Some of the ways they’ll try to get out of paying a claim include casting suspicions of arson, fraud, owner negligence or the actions of third parties.
- Hurricane damage claims: We’re here to help when an insurance adjuster tells you that damaged caused to your home or business during a hurricane was not due to the hurricane.
We also assist policy holders who have been unfairly denied their life, health, disability, automobile, and wind, hail and flood damage insurance claims.
Protect Your Rights With The Help Of Our Houston Bad Faith Insurance Attorneys
If you feel you’ve been taken advantage of by an insurance company, please call Ricardo N. Gonzalez & Associates today at 713-429-1971. Our legal team is committed to holding insurance companies accountable for their bad faith practices and violations of the law. Our Houston bad faith insurance attorneys assist clients all over the state of Texas in getting the compensation they are due for the bad faith actions of insurance companies.
Contact us today to schedule a free consultation. We will review your claim, carefully read your policy, and offer professional advice on the best way to get the settlement you deserve. Many of our bad faith insurance cases are handled on a contingency basis, which means we don’t collect our fee until after you’ve won your case.