Insurance Bad Faith
When an insurer delays, denies, or underpays, the file needs policy-first review.
The policy, complete claim chronology, insurer communications, underlying loss, and resulting harm anchor the first screen.
When this may fit
Start with a fact pattern, not a conclusion.
A page cannot decide whether a claim exists. These are the kinds of facts that help the firm decide whether a closer review is appropriate.
The insurer delayed, denied, underpaid, or took another disputed position
The claim history and resulting harm are documented
Evidence to preserve
Keep the records that make the chronology testable.
Policy, declarations, endorsements, claim number, and proof of loss
Preserve the original, note where it came from, and keep a simple date index. Do not send sensitive records through a public form.
Denial, reservation-of-rights, delay, estimate, and payment letters
Preserve the original, note where it came from, and keep a simple date index. Do not send sensitive records through a public form.
A chronology of calls, submissions, inspections, requests, and responses
Preserve the original, note where it came from, and keep a simple date index. Do not send sensitive records through a public form.
Evaluation
How the first review tests the matter.
Policy language and the insurer's stated coverage position
The weight of this factor depends on the complete facts, available law, and recoverable proof.
Reasonableness of investigation, communication, delay, or valuation
The weight of this factor depends on the complete facts, available law, and recoverable proof.
Underlying loss, damages beyond policy benefits, and litigation posture
The weight of this factor depends on the complete facts, available law, and recoverable proof.
Deadlines vary by claim, party, forum, and facts. This page does not calculate a filing or notice deadline. If timing may matter, call promptly.
Open the related preparation guideFirst review
Send a short chronology and the parties involved.
The firm may accept, refer, co-counsel, or decline a matter after conflicts and fit review. Contact alone is not representation.