Charleston Hurricane Bad Faith Insurance Claims Lawyer

Hurricanes are some of the fiercest natural disasters in existence. Fueled by warm water and atmospheric conditions during the summer and fall months, hurricanes often cause overwhelming flooding and high winds capable of destroying even the sturdiest of buildings. Fortunately, for many citizens in hurricane alley, hurricane insurance acts as a safeguard during storm season.

Sadly, some insurers attempt to avoid paying policyholders what they really deserve. Sometimes, they attempt to avoid paying out altogether. If your insurer refused to pay for your hurricane damage in the wake of a storm, you may have a claim. Insurance companies must be held liable for their refusal to reimburse their policyholders. Call a Charleston hurricane bad faith insurance claims lawyer for more information today.

Insurance Company Duties

Hurricane insurance providers are required to fulfill a variety of duties to their policyholders. Failure to fulfill these duties could amount to what is known as “bad faith”. Some of these duties include:

  • Investigating a claim and inform a policyholder of their findings within a reasonable amount of time
  • Paying a settlement to a policyholder if up to the limit of their coverage if a claim is approved
  • Covering all defense costs regardless of coverage limits
  • Settling reasonably in a manner that would be advantageous to the insured

Hurricanes are powerful storms capable of causing an immense amount of damage, and if an insurer refuses to reimburse a policyholder, the policyholder may end up having to pay for their own property damage. This is unfair, especially when an insured person has been paying their premium.

Common Acts of Bad Faith

Hurricane insurers often attempt to forgo paying policyholders to save money. In many cases, an insurer may attempt to deny a legitimate by alleging:

  • The insured person failed to pay their premium
  • Hurricane water damage was caused by a flood
  • Damage caused to the home was preexisting
  • The insured person failed to file their claim in a timely manner
  • The insured person is only entitled to a partial payment according to their policy

The tactics commonly used by hurricane insurers are designed to save money and lower operational costs. If an insurance company attempts the tactics above, it may be wise to hire a Charleston hurricane bad faith insurance claims lawyer.

Fighting Back Against Hurricane Insurers

Fighting back against an insurance company may seem impossible. However, with the help of an experienced attorney, it may be possible. Insurers are required to give their policyholders an opportunity to appeal their decisions, and if an appeal is denied, the policyholder has a right to take the insurer to court. Insurance companies often hire their own lawyers, so it is imperative for insured individuals to prepare appropriately.

If a policyholder is successful in their quest for reimbursement, the court may award them what they are owed.

Reach Out to a Charleston Hurricane Bad Faith Insurance Claims Lawyer

If a hurricane damaged your property and your insurer refuses to pay, you may still be able to get the reimbursement you are owed. Insurance companies often do not adhere to the agreements with policyholders, but there may be a way for you to hold them accountable. The contract between you and your insurer is serious, and it should never be broken under any circumstances.

Reach out to a Charleston hurricane bad faith insurance claims lawyer now.




Free Consultation

(843) 884-6615

The contents of this Web site are for informational purposes regarding legal issues in South Carolina and are not intended to convey detailed legal advice on specific issues. Transmission of the information contained in this site or any sites linked hereto is not intended to create, and receipt does not constitute an attorney-client relationship. Our attorneys practice law only in jurisdictions we are properly authorized to do so and do not seek to represent anyone in any jurisdiction where this site does not comply with applicable laws and bar rules. The lawyers of the law firm of Christmas Injury Lawyers are licensed to practice law in the State of South Carolina. Readers should not act upon the information contained in this site without first seeking the advice of an attorney licensed to practice in your area.

Attorneys principally practice in Mt. Pleasant office, but we will meet you at the time and office most convenient to you. We will also come to your hospital room or home upon request.

The information given above are examples of actual cases with actual clients our law firm has handled in the past. The reviews listed on our website are endorsements and/or testimonials from actual clients. Any results our law firm may achieve on behalf of one client in one matter does not necessarily indicate similar results can be obtained for other clients.

In an effort to continue serving the community while keeping everyone healthy and safe, our office is offering phone and video consultations. To schedule or learn more call (843) 884-6615 or fill out a contact form here.