Bad faith
When the handling is the problem
Slow answers, lost paperwork and low offers that never move can be more than a bad month. Sometimes they're a pattern.
A policy is a promise to deal fairly with a claim. When an insurer ignores letters, changes adjusters again and again, or offers less than its own file supports, how it handled your claim becomes part of the case.
We keep a dated record from the first call so a pattern, if there is one, is easy to see. We don't use the term lightly: many slow claims are only slow.
What we keep track of
Every date you called, wrote or sent something
Who you spoke to and what they said
What the insurer asked for, and when it asked
Each offer, with the reason given
Letters that arrived late, or never
Signs worth writing down
None proves anything alone. Together they can.
Silence
Calls and letters go unanswered for weeks.
Moving goalposts
Each time you send a document, a different one is requested.
An offer with no math
A number with no estimate behind it, or one that ignores your contractor's.
The file closes while you wait
You find out only when you call to ask what happened.
A sample matter
Offer raised
Eleven months of missed deadlines
A dated record of unanswered letters led the insurer to reopen the file and re-price it.
2025
These are sample matters, not promises. Every claim turns on its own policy and facts, and past results don't predict the outcome of yours. Dollar figures are what the insurer paid, before fees and costs.
Is the insurer's handling part of the problem?
Send us your dates and letters, even if they're a mess.