Insurance Claims and Bad Faith Representation
Dealing with insurance claims can be a stressful and complicated process, especially when an insurance company acts in bad faith. At Ferikes Bleynat & Cannon, we are dedicated to representing policyholders in Asheville, Waynesville, and throughout Western North Carolina in disputes with insurance companies. Whether your claim has been wrongfully denied, delayed, or underpaid, our experienced attorneys are here to protect your rights and hold insurers accountable.
Understanding Insurance Bad Faith
Insurance companies are legally obligated to act in good faith and deal fairly with their policyholders. When an insurer fails to honor its obligations under the policy, it is acting in bad faith. Examples of bad faith practices include:
- Wrongful denial of claims: The insurer denies a legitimate claim without proper justification.
- Delays in processing claims: The insurer unnecessarily delays the investigation or payment of a claim, causing financial harm to the policyholder.
- Undervaluing claims: The insurer offers an unreasonably low payout, failing to cover the full extent of the damages or losses.
- Failure to investigate: The insurer fails to conduct a thorough and timely investigation of the claim.
- Misrepresentation of policy terms: The insurer misrepresents the terms of the policy or the extent of coverage to avoid paying the claim.
When insurance companies engage in bad faith practices, they can be held liable for damages beyond the original claim, including punitive damages intended to deter future bad faith behavior.
Protecting Policyholders in Insurance Disputes
At Ferikes Bleynat & Cannon, we represent policyholders in a wide range of insurance disputes, including:
- Homeowners insurance claims: Disputes over property damage caused by fires, storms, flooding, or other events.
- Auto insurance claims: Denials or underpayment of claims related to vehicle accidents, theft, or vandalism.
- Business insurance claims: Disputes involving business interruption, liability, or property damage claims.
- Health insurance claims: Denied or delayed coverage for medical treatments or procedures.
- Life insurance claims: Denials of claims involving life insurance policies, often due to alleged misrepresentations or policy lapses.
Our attorneys have the experience and knowledge needed to navigate the complexities of insurance law and fight for the compensation you deserve. We work diligently to ensure that insurance companies uphold their obligations and treat policyholders fairly.
What to Do If Your Insurance Claim Is Denied
If your insurance claim has been denied or delayed, it’s important to act quickly to protect your rights. Here are some steps you can take:
- Review your policy: Understand the terms of your insurance policy, including what is covered and any exclusions or limitations.
- Request a written explanation: Ask the insurance company for a written explanation of why your claim was denied or underpaid.
- Document your claim: Keep detailed records of all communications with the insurer, including emails, letters, and phone calls. Take photos or videos of the damage and gather any necessary documentation to support your claim.
- Consult an attorney: If you believe the insurance company is acting in bad faith, contact an experienced attorney to review your case and discuss your legal options.
At Ferikes Bleynat & Cannon, we provide personalized guidance and aggressive representation to help you challenge bad faith insurance practices and secure the compensation you are entitled to under your policy.
Why Choose Ferikes Bleynat & Cannon?
Our attorneys have decades of experience representing clients in insurance disputes and bad faith claims. We understand the tactics insurance companies use to minimize payouts and are committed to holding them accountable. Whether you’re dealing with a denied claim, delayed payments, or unfair settlement offers, we are here to fight for your rights and ensure that you receive the full benefits of your insurance policy.
Contact Us
If you’re facing an insurance dispute or believe your insurance company is acting in bad faith, contact Ferikes Bleynat & Cannon today. Our offices in Asheville and Waynesville are ready to provide the legal support you need to challenge unfair insurance practices. Call us or visit our website to schedule a consultation.
ASHEVILLE OFFICE
WAYNESVILLE OFFICE
