Claims & Bad Faith

Knowing how to file a claim correctly — and recognizing when your insurer is acting in bad faith — can mean the difference between a fair settlement and being shortchanged by thousands.

Filing a Claim Properly

Step 1: Document everything immediately. Photos, videos, receipts, police reports, medical records. The more documentation, the stronger your claim. Step 2: Report promptly. Most policies require "timely" reporting (24-72 hours for auto, ASAP for property). Late reporting can be grounds for denial.

Bad Faith Insurance

Bad faith occurs when an insurer unreasonably denies, delays, or underpays a valid claim. Every state has laws against bad faith practices, but remedies vary. Common bad faith tactics: unreasonable delay in investigating/paying claims, denying a claim without adequate investigation, lowball settleme

Public Adjusters

Public adjusters are licensed professionals who represent YOU (the policyholder) in insurance claims — not the insurance company. When to hire: Claims over $10,000, complex losses (fire, water damage, hurricane), when you feel the insurer's offer is too low, when you're overwhelmed by the process. C