According to statistics from the Insurance Information Institute, approximately one in 20 insured homes has an insurance claim of some kind each year. Homeowners’ insurance policies protect homes and personal belongings against financial liability or damages caused by weather, fire, wind, theft, or vandalism. When a home becomes damaged, and the policyholder files a claim, insurance companies are expected to investigate and honor valid claims in good faith and fair dealing. Unfortunately, some insurance carriers use bad faith insurance practices, such as denying valid claims or offering ridiculous first settlement offers when settling claims.
If you want to file a claim against your home insurance policy or if the insurance company is negotiating in bad faith, it is important that you retain an experienced Arizona insurance bad faith attorney immediately to protect your rights. At Arnett & Arnett, PC, we are dedicated to providing outstanding legal services and handling complex legal issues involving denied claims and bad faith insurance practices. As your legal counsel, we can review the details of your case and determine whether your home insurance claims have been affected by bad faith tactics. Our team will fight to protect your legal rights and help you seek your rightful compensation.
Our team at Arnett & Arnett, PC proudly serves clients across Chandler, Phoenix, Tucson, Flagstaff, and other communities throughout Arizona.
After suffering damage to your home due to a flood, fire, vandalism, theft, or another unfortunate home incident, filing a claim against your home insurance policy can help recover compensation to cover repairs and other losses. It is important that you get started with your home insurance claim as soon as possible. Here's how to proceed with filing a home insurance claim:
Some of the most common reasons why homeowners claims get denied include:
In the state of Arizona, the time limit for filing a claim is two years from the date you experienced bad faith practices from your homeowners’ insurance provider.
If your home insurance claim is denied, you have the right to appeal the decision. Below are the steps to appeal a denied claim:
If you are denied again, you can file a complaint with the state insurance board to investigate the denied claim.
Bad faith practices involve any unethical, unfair, or dishonest tactics used by insurance providers to deny, delay, or undervalue payments of home insurance claims. Below are some common bad faith practices by insurance companies:
If the insurance company denies your appeal, taking appropriate legal action against the insurer may be the next option. An experienced lawyer can help file a lawsuit and attempt to pursue the full amount of compensation available under your homeowners’ policy.
Filing homeowner insurance claims and dealing with the insurance company after a disaster or damage to your home can involve several complexities. If the insurer has denied your valid claim or if you believe the insurance carrier is negotiating using bad faith tactics, you can have a lawyer intervene on your behalf. A knowledgeable home insurance claim attorney can evaluate your situation, advocate for your legal rights, and help you negotiate a fair settlement with the insurance provider.
At Arnett & Arnett, PC, we have the experience and resources to represent homeowners and policyholders in complex legal issues involving denied claims and bad faith practices of insurance companies. As your representation, we will review and investigate all the surrounding facts of your case and determine if your home insurance claims have been affected by bad faith insurance tactics.
Hold your insurance provider accountable. If your homeowners’ insurance claim has been denied or undervalued, contact us at Arnett & Arnett, PC today to schedule a consultation. Our attorneys can offer you the detailed legal guidance, strong advocacy, and reliable representation you need. We're proud to serve clients across Chandler, Phoenix, Tucson, Flagstaff, and other communities throughout Arizona. Contact us today.