Hurricane season brought an immense amount of damage to the Houston area
this year, and that means insurance companies have been hit with an onslaught
of claims for the damage they sustained to their homes cars, and other
important possessions. However when these catastrophes make landfall,
too many people find that their company is nowhere to be found when they
need them most, leading to a huge spike in insurance bad faith claims
and lawsuits being taken to civil court.
Why The Sudden Spike?
However, natural disasters lead to a huge number of claims made in a short
period of time—far more than insurance companies normally have to
handle. That means these companies will need to pay out far more than
normal, which makes a huge cut into profits. In order to try to maintain
this profit share, companies often try to pay as little as possible while
still satisfying the claim. Unfortunately, this conduct usually includes
underpaying claims, making policyholders jump through countless, tedious
hoops just to receive this meager payout, and unnecessarily delaying claims
for as long as possible.
Each of these tactics is designed to try and reduce the expenses an insurance
company incurs in one of these events, and that means you as the policy
holder will ultimately be the one to foot the bill. Not only will the
claim payout you receive likely not be enough to fully recover your losses
from this year’s devastating hurricane season, but you’ll
also probably pay increased premiums in the future because you have this
major claim on your record.
Protecting Your Rights
What can you do as a policy holder to make sure your insurance company
handles your claim properly and to the terms that you agreed to when you
purchased your policy? The first thing everyone should do is respond quickly
to your insurance company when they request information and follow up
with them regularly to make sure your claim is being attended to. It’s
perfectly normal for delays to occur during high-volume events, such as
in the aftermath of hurricanes, but unnecessary delays could be detrimental
and cost you thousands in added expenses (that they’ll try to have
you foot the bill for).
If you suspect your claim has been mishandled, it’s strongly advised
you discuss your case with a Houston business litigation attorney. Having
an advocate on your side can help you identify signs that your claim is
being handled in bad faith and advise you on steps you can take, plus
represent you if you need to file a civil lawsuit in order to hold them
For more information or to schedule an initial case evaluation,
call Patterson, P.C. today at (713) 489-1215 and let us help you if your home was damaged in