Insurers often act in "bad faith" when they deny, delay or under-evaluate claims. As attorneys with years of experience, we are well qualified to represent individuals and businesses in these insurance disputes. In every policy of insurance, there is an "implied covenant of good faith and fair dealing." A breach of this implied covenant is commonly known as "bad faith." Insurance "bad faith" can consist of any of the following:

Delaying in payment of policy benefits due

Paying less than the amounts due

Delaying in the investigation of a loss or claim

Focusing on policy exclusions in an effort to deny coverage

Making an unreasonable interpretation of policy language

At Miller Law, Inc., much of our insurance bad faith representation relates to water damage and toxic mold claims. Homeowners' policies often exclude coverage for mold, while providing coverage for water damage. When water damage occurs, insurance companies often wait until mold begins to grow - often as quickly as 48 hours - to deny the claim.

OUR INSURANCE DEFENSE EXPERIENCE & PERSPECTIVE

As attorneys with past experience working with and for the insurance industry, we understand the strategies insurance companies use to minimize cost and maximize profits - often at our clients' expense.

Because we have handled cases from both perspectives, we are better able to see each side's strengths and weaknesses. We develop insurance bad faith case strategies that take these strengths and weaknesses into account.

We represent businesses and individuals facing insurance bad faith litigation related to many different types of insurance including:

Health insurance

Life insurance

Disability insurance

Homeowners insurance

Renters insurance

Liability

Liability for insurance bad faith is just not based on a denial of the claim, but can also include delays in making payments; unreasonable investigations; paying less than the full amount owed; taking unreasonable coverage positions and; focusing on exclusions in the policy instead of the coverages afforded. Under California law, insurance policy provisions affording coverage are broadly and liberally interpreted in favor of insurance coverage. On the other hand, insurance policy exclusions are interpreted narrowly and in a limited fashion.

CONTACT MILLER LAW, INC.

If you have had an insurance claim wrongly denied - if you believe your insurer is under evaluating or a delaying your insurance claim - a letter from a Sacramento personal injury lawyer may be just what your insurer needs to begin treating you fairly. Contact Miller Law, Inc. toll free at 916-229-6695 or contact us online. Initial consultations regarding insurance bad faith are free and confidential. Our office is located in the Sacramento area, and we handle cases throughout the State of California.