What types of insurance claims can an insurance dispute lawyer help with?
At Red Dirt Legal, we handle disputes involving homeowners and commercial insurance claims.
What should I do if my insurance claim is denied?
Start by reviewing the denial letter and your policy. Then, contact an experienced Oklahoma insurance dispute attorney to explore your options.
Why do insurance companies deny valid claims?
Denials often result from profit-driven motives or adjusters making errors. It’s not personal.
What is a partial denial of an insurance claim?
This occurs when an insurer agrees to cover part of your claim but refuses to pay the full amount.
Is a partial denial the same as a settlement offer?
No. A partial denial reduces the payout based on the insurer’s reasoning, while a settlement offer is a negotiation tool.
How do I know if my claim was underpaid?
If your insurance company’s offer doesn’t match your own calculations of your damages, you know that something is up. Consult an insurance dispute attorney to find out if the settlement is fair. We will compare your insurer’s payment to repair estimates, receipts, and the opinions of experts.
How do I know if my insurer acted in bad faith?
Common signs include unreasonable delays, lowball offers, or outright refusals without valid reasons. Proving “bad faith” in court is not always easy, so it’s important to have an experienced insurance dispute lawyer by your side.
What damages can I recover in a bad faith claim?
Depending on the circumstances of your case, you may recover the full claim amount, additional damages caused by the insurer’s actions, and sometimes punitive damages.
How long is “reasonable” for an insurance company to process a claim?
Timelines vary depending on your policy, your insurer, and the details of your case. A better way to determine if your insurer is dragging their feet is to look for common tactics of delaying claims, such as repeated requests for documentation or ignoring communication.
What should I do if my claim is delayed?
The most important thing to do is not to agree to anything without consulting an attorney. Document all communications, request written explanations, and reach out to a lawyer if the delay persists.
