San Diego Insurance Law Attorneys Fighting Denied Or Undervalued Claims
At Buscemi Hallett LLP, we understand the frustration of an insurance company denying or undervaluing your claim. An undervalued claim can be just as damaging as an outright denial because it still leaves you unable to move forward with your life. Whether you face a denied claim or an undervalued claim, we treat your case with the urgency it deserves.
Our firm began in 2012 with a core mission to help clients in San Diego and across Southern California resolve insurance claims effectively. Our attorneys hold honors such as earning selection to the Super Lawyers list, maintaining 10.0 Avvo ratings and appearing in San Diego Magazine. Their most important distinctions, though, are the many favorable awards and settlements that they have achieved for clients in complex insurance dispute cases.
What Causes Insurance Companies To Deny Or Undervalue Claims?
Insurance companies are often more focused on their bottom line than on your recovery. They use various tactics to avoid paying what they owe you. Common reasons why insurers fall short of their duties include:
- Misinterpretation of policy language to exclude coverage
- Failure to investigate the facts of your claim
- Allegations that the damage existed before the covered event occurred
- Lowball offers that ignore current construction costs
- Delay in processing paperwork or issuing payments
These actions sometimes cross the line into illegal behavior. Did an insurer treat your claim unfairly? An insurance bad faith attorney can step in to hold them accountable. We look for signs of unfair claim practices to get you every dollar you deserve.
What Remedies Are Available For Denied Or Undervalued Insurance Claims?
If your insurer refuses to pay, you can pursue a breach of contract claim to recover the money the company owes you. If the company acted dishonestly or unfairly, you can also file a claim for insurance bad faith. In California, if an insurance company does not act fairly and in good faith, you may be able to recover the full policy limit plus compensation for financial hardship.
What Is The Process For Challenging A Denied Insurance Claim In California?
We use our deep understanding of the California Insurance Code to guide you through each phase of the dispute. These stages tend to involve:
- Reviewing the denial letter and your full policy.
- Gathering evidence such as photos, repair estimates and witness statements.
- Filing an internal appeal or protest with the insurance company.
- Engaging in settlement negotiations.
- Filing a lawsuit if they refuse to settle fairly.
Our goal is to resolve your dispute as quickly as possible. However, we are always ready to take a case to court if that is what it requires to get you justice.
My Claim Was Undervalued, Not Denied. Is That Still A Legal Dispute, And Can A Lawyer Help?
Yes, an undervalued claim is a very common legal dispute. Insurance companies often provide estimates that do not reflect the actual cost of repairs in San Diego. An insurance attorney can help by by engaging experts and appraisers to determine the true value of your loss. We use these professional reports to demand the full amount required to make you whole again.
What Types Of Damages Can I Recover In An Insurance Bad Faith Lawsuit?
When an insurance bad faith attorney proves that a company acted unreasonably, you may qualify for extra-contractual damages such as:
- Interest on the delayed payments
- Consequential financial losses such as lost business profits or extra living expenses
- Emotional distress damages
- Attorney fees
- Punitive damages
These damages reflect that insurance companies must pay a price for mistreating their customers. Our team works hard to maximize your recovery in every category.
Make A Free Consultation With An Insurance Bad Faith Attorney
At Buscemi Hallett LLP, we are ready to stand up to your insurance company and fight for your rights. Our team has the experience to handle even the toughest insurance disputes in the area. Please contact us at 619-821-9163 or send us an email to schedule your free consultation today.