Insurance companies have a legal obligation to treat their policyholders fairly and in good faith.
Marr Law Firm is dedicated to the aggressive pursuit of protecting policyholders from insurance companies who have chosen to place their financial interests above the rights of their policyholders.
Insurance companies have a legal obligation to treat their policyholders fairly and in good faith. A breach of this legal obligation can result in a policyholder's claim being underpaid, unnecessarily delayed, or even denied entirely.
Regardless, of the type of insurance at issue in your situation, homeowner's, auto, medical, life, disability or other, if an insurance company has chosen to ignore its obligation to treat its policyholder fairly and in good faith, it may be sued for damages, emotional distress and punitive damages.
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Insurance carriers who insure your property have an obligation to deal with you fairly and in good faith. When these same carriers develop secret schemes, policies or tactics designed to deny or underpay your homeowner claims, to increase their profits, this equals Bad Faith. Whether it be through biased or outcome-oriented investigation, or the use of pre-selected “experts” - insurance carriers cannot place their financial interest above those of their policyholders. When they do, this equates to not only breach of contract but bad faith, wherein punitive damages may apply.
Oklahoma ranks in the Top 10 nationally for hailstorms and hail related claims. Recognizing this fact, insurance carriers have resorted to a myriad of tricks to avoid replacing roofs in our state from shifting the risk of loss to policyholders by way of increased roof deductibles and/or confusing policy language to claiming the damage is not from hail but simply “wear and tear” or finding only the roof’s soft metals and associated guttering were damaged and not the shingles - which happens to result in the estimate being under the policy’s deductible. All have been used successfully by insurance companies to drastically reduce claim payments to insureds for hail related claims. These tricks of the trade are not only a breach of the insurance contract but are Bad Faith as well.
Most claims for earthquake damage here in Oklahoma are routinely denied for one reason or another. Insurance companies consistently claim damage to foundations, brick exteriors, driveways, etc. are merely the result of pre-existing earth settlement and therefore excluded under the terms and conditions of the policy.
Homes are constructed in accordance with local building codes. These codes permit a home to withstand certain wind speeds and a certain amount of force. Once a home is subjected to wind speeds or force which exceed those which it was constructed to withstand, the home becomes over-deflected.
Insurance companies often delay or deny coverage for life saving treatments, medications, surgeries, chemotherapy, immunotherapy, and even diagnostics. Why? Because these types of treatments are often expensive and paying these claims cuts into their profits.
In addition to our success on behalf of many insurance policyholders, we have also won verdicts in the areas of medical malpractice, nursing home neglect, and personal injury.
Our website was launched to assist us in answering any questions you might have regarding your particular situation as promptly as possible. If you feel you are being treated unfairly by your insurance carrier, or you are an attorney handling a bad faith case, or whatever your situation may be, please let us know by completing our Online Consultation Form. We will be glad to follow-up with you regarding your questions.