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Bad Faith Claims
When an insurer delays, underpays, or denies without a fair investigation, that’s potential bad faith. We help policyholders force carriers to honor their promises, recovering benefits and, when warranted, extra‑contractual or punitive damages.
What is Bad Faith?
Insurers must:
- Promptly investigate,
- Fairly evaluate,
- Communicate decisions,
- Pay valid benefits without unreasonable delay.
Failing these duties can create a bad faith claim.
Common Bad Faith Tactics
Endless “documentation” requests already supplied
Endless “documentation” requests already supplied
Endless “documentation” requests already supplied
Lowball offer without explanation
Endless “documentation” requests already supplied
Endless “documentation” requests already supplied
Ignoring key evidence (photos, expert reports)
Endless “documentation” requests already supplied
Ignoring key evidence (photos, expert reports)
Misstating policy language or coverage limits
Unreasonable delay / “waiting for supervisor approval”
Ignoring key evidence (photos, expert reports)
Unreasonable delay / “waiting for supervisor approval”
Unreasonable delay / “waiting for supervisor approval”
Unreasonable delay / “waiting for supervisor approval”
Sudden reversal after months of cooperation
Unreasonable delay / “waiting for supervisor approval”
Unreasonable delay / “waiting for supervisor approval”
What You Can Recover
- Owed policy benefits
- Consequential damages (e.g., additional living expenses caused by delay)
- Emotional distress (where permitted)
- Punitive damages (for malicious or oppressive conduct)
- Attorney fees / interest (jurisdiction‑dependent)
Frequently Asked Questions
Please reach us at sara@theinsuranceavenger.com if you cannot find an answer to your question.
A: Possibly—unreasonable delay itself can be bad faith if it caused you extra loss.
A: Often after reviewing the denial letter, claim file timeline, and policy.
A: Litigation adds steps, but pressure frequently accelerates fair resolution.
A: Policy declarations, denial or offer letters, adjuster emails, photos, and your timeline notes.
The Insurance Avenger
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