Orange County Homeowners Insurance Claim Denial Lawyer – Serving California
When you have suffered a loss, you expect the insurance company to cover it fully, as they promised to do when you bought the policy. If the insurance company is refusing to pay a claim, or they are otherwise acting unreasonably, Quincey Law can fight for you.
Contrary to what they say, insurance companies do not get the final word when it comes to paying your claim. You can sue them to force them to pay, and you may even be able to take legal action against them directly for what they did. Do not assume that you simply have to abide by whatever the insurance company says.
Call attorney Nicholas Quincey at Quincey Law today when you have had enough of the unreasonable hardball tactics that the insurance company is trying to use against you. Speak to an attorney during a free initial consultation and learn how you can hold them accountable.
Quincey Law helps clients throughout California and is located at 34135 PCH, Ste 318 Dana Point, CA 92629 just a few blocks west of the intersection of Golden Lantern & PCH. Call attorney Nicholas Quincey today at (949) 844-6630 regarding your denied homeowners insurance claim or reach out by submitting a contact form to schedule a free consultation.
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“Nick fights hard for his clients. Guided by a strong moral compass, he provides fair and honest insight as to what is in your best interest. He is incredibly diligent, and a straight shooter. You feel like he is always in the trenches with you, and guiding you through tough times. I am so grateful to have worked with him on matters over the last few years. I cannot recommend him highly enough.”
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How an Insurance Company Can Make Your Life MISERABLE
Insurance companies can be very ponderous and literal when they are processing your claim. While you need the money immediately, the insurance company is not necessarily even in a hurry to pay, even though California law requires them to settle claims within 85 days after filing. However, that time deadline has many loopholes, and insurance companies take advantage of them to drag out your claim.
Insurance companies may do the following when processing or responding to your claim:
- Unreasonably delaying with the processing or payment of your claim
- Misrepresenting the terms of your policy to deny the claim or to refuse to cover a key part of it
- Denying your claim without a proper reason
- Failing to investigate a claim before they deny it
Not all of these tactics should be considered “business as usual.” Some may even cross a line that could make the insurance company liable to you for its actions.
TIME IS OF THE ESSENCE – Call us now at (949) 844-6630
Breach of Contract Lawsuits Against the Insurance Company
An insurance policy is a contract. You pay homeowners insurance premiums, and the insurance company must cover damages, up to the amount of the policy limit. Although you must follow the terms and conditions of the policy, the insurance company may still even refuse to cover your claim, or they try to pay you far less than your actual damages.
If the insurance company will not pay you what they must, you can file a lawsuit against them for breach of contract. A court would review your claim and the policy before deciding whether the insurance company must pay you and how much. Oftentimes, these cases come down to interpreting the language of the contract, since the insurance company tries to bury so many things in the fine print. Your attorney would make the argument that you either followed the requirements of the policy, or that your particular damage should be covered.
Bad Faith Lawsuits Against the Insurance Company
The insurance company is playing a dangerous game when it breaks the rules in processing your claim. Any contract requires a common law duty to act in good faith. In addition, there are specific requirements and prohibitions under California law that govern insurance contracts.
If the insurance company has committed bad faith, you can file a lawsuit directly. Not only would you attempt to force them to pay what they owe, but they could also be liable for the financial damages that you suffered directly from their conduct. In certain extreme circumstances, you could even receive punitive damages that an angry court would assess.
Bad faith lawsuits are a powerful weapon in your arsenal, but they cover the most dire behavior. Some of the usual tactics that insurance companies use when handling your claim are not necessarily bad faith.
Why You Need an Attorney for Homeowners’ Insurance Cases
The insurance company may simply not respect you when they are dealing with just you. They may only realize that you are fully aware of your rights when they see that you have hired an experienced attorney. Insurance companies respect lawyers because they know that an attorney can really make them pay.
You should certainly hire an attorney if the insurance company has denied your claim, or they are refusing to pay for something that should be clearly covered under the terms of your policy.
Contact Quincey Law to Help With Your Homeowners Insurance Claim Denial
Contact Quincey Law when you do not have to take no for an answer from the insurance company. Our homeowners insurance denial attorneys serve Orange County, California including Anaheim, Santa Ana, Irvine, Huntington Beach, Garden Grove, Fullerton, Orange, Costa Mesa, Mission Viejo, Westminster and all throughout California. To schedule an appointment with an attorney, you can contact us or call us today at (949) 844-6630.