Houston Bad Faith Insurance Claims Lawyer

An insurance policy is a contract your insurer must abide by. You acquire insurance and pay your premiums faithfully so that the insurance company will take the risk of a financial loss in the event of a covered incident. If something goes wrong, you rightfully expect your insurance company to treat you fairly and in good faith. But what if your insurer does not live up to its standards and wrongfully denies your insurance claim?

If you feel your insurance company failed to fulfill its legal obligations and has treated you unfairly, don’t hesitate to call a Houston bad faith insurance claim attorney from Cook Law Firm. We can fight for you and help you obtain the compensation you rightfully deserve.

Texas Car Crash Facts And Figures

The Texas Department of Transportation releases annual reports showing vehicle crash statistics in the state. These reports help us understand accident causes and trends. Here are highlights from the latest release:

• In 2015, there were 13,616 serious injury crashes in the state, causing serious injury to 17,011 people.
• In the same year, the total number of persons who obtained a vehicle crash injury, serious or otherwise, was 246,335.
• There were 3,531 deaths from motor vehicle accidents that year.
• Of those fatalities, 960 occurred in traffic accidents where alcohol was involved.
• Further, 476 of the fatalities occurred in accidents involving distracted driving.

At the Cook Law Firm, we want you to know that you are not just another number – when we take on your case, we treat is as our own and commit to it. Our priority above all is to win you the compensation you need so you can get the justice you deserve and simply focus on recovering from your accident.

Obligations of an Insurance Company

According to Texas insurance law, insurance companies have a duty to handle your claim with good faith and fair dealing when it comes to investigating a claim. This duty arises from the special relationship created by the contract between the insured and the insurer.

An insurance policy enumerates the company’s specific obligations to its customer. Apart from the written provisions included in every insurance policy, however, each contract also comes with the implied pledge of good faith and fair dealing—or the insurance company’s obligation to process all insurance claims in a fair and reasonable manner.

Unfortunately, insurance companies sometimes seek to make a profit by delaying, limiting, or denying benefits for no good reason. When these insurers fail to honor their commitment to their customers and act in bad faith, then they leave those individuals relying on insurance benefits to suffer financial loss.

Examples of Bad Faith Insurance Claims

There are numerous ways an insurance company can act in bad faith. Common examples of these are:

• Undervaluing an insurance claim
• Hiring biased experts to undervalue a claim
• Enforcing unreasonable delays when processing a claim
• Refusing to adequately investigate a claim
• Creating unreasonable burdens or obstacles for the insured to overcome
• Attempting to force the insured to settle their claims for an unreasonably low amount
• Denying a legitimate insurance claim without valid reason

Engaging in any of these wrongful acts may constitute bad faith. Legal action may be taken against the insurance company.

Hail Damage Claims and Other Insurance Disputes for Homeowners and Business Property Owners

For many of us, the home is our biggest investment. When calamity strikes, you may find yourself facing costly damages to your home.

Hailstorms, for instance, can be particularly destructive. In the United States, the size of destructive hail typically averages 1 to 1.75 inches in diameter—resulting in extensive damage to a structure’s roof, gutters, windows, and other parts of the property when it lands.

The danger of hail is that it can cause a great amount of damage to your roof without you knowing. The damage may not even be apparent until your roof begins to leak or crack.

Due to the property damage caused by hail, you may be unable to live in your home and may require major repairs to be made. Lengthy delays or unrepaired hail damage can not only destroy roofs and sidings, but also lower a property’s value significantly.

A hailstorm and other misfortunes can leave you stressed out and dealing with both financial and emotional damages. As such, you will need your insurance claim paid right away so that you can repair and rebuild your home, and move on with your life as soon as possible.

But what happens if the insurance company denies your claim stating that your roof was merely too old or was improperly maintained? What if they undervalue your assets or only cover a fraction of the entire cost of repair?

At Cook Law Firm, we can help you with coverage disputes stemming from:

• Hail damage
• Storm damage
• Hurricane damage
• Tornado damage
• Wind damage
• Fire damage
• Tree damage
• Other forms of residential and commercial property damage

If your property is sufficiently insured for such damage and you make your claims properly, you are entitled to obtain the full level of coverage you paid for. If your insurance company denies your claim wrongfully or refuses to pay you a fair amount, we can help you pursue a bad faith insurance claim to compensate you for the related losses.

Bad faith insurance claims may be made for all types of insurance, including auto insurance, health insurance, accidental death insurance, business loss insurance, property and casualty insurance, and homeowner’s insurance.

Contact Cook Law Firm

It may seem like a lost cause to go against a large insurance company, but we at Cook Law Firm will fight for you to help hold the insurance company liable for its wrongful actions. We have helped individuals, businesses and families successfully obtain fair insurance payouts in their bad faith insurance claims. We will aggressively advocate on your behalf and help you obtain the compensation you deserve. Call Cook Law Firm today to schedule your free and confidential case evaluation.