Home Insurance Policy

Can You Sue Your Own Homeowners Insurance for Bad Faith?

Jeff Martin June 29, 2023

Suing an insurance company for bad faith is a legal recourse available to policyholders who believe their insurance company acted unfairly or broke their contractual obligations. Bad faith refers to an insurance company's actions that are unreasonable, unfair, or violate state insurance regulations.

One instance is when an insurance company unreasonably denies a legitimate claim without proper investigation or fails to offer a reasonable explanation for the denial. In such cases, policyholders can seek accountability from the insurer and pursue the compensation they are rightfully entitled to by filing a claim for insurance bad faith.

How Can You Tell if You Have a Bad Faith Case?

To determine the answer to your question, "Can you sue your own homeowners for bad faith," several factors must be considered. Here are some general principles and steps typically involved in pursuing a bad faith claim against an insurance company:

1. Document the Bad Faith Behavior

Record all interactions and communications with the insurance company throughout the claims process. This includes keeping policy papers, claim forms, phone records, emails, and other relevant evidence substantiating your bad faith claim. Having thorough documentation of these interactions will support your case and present proof of the insurance company's actions or misconduct.

2. Review Your Homeowners Insurance Policy

Familiarize yourself with your insurance policy's terms, conditions, and coverage. Compare the language and clauses outlined in your insurance contract to the content of the denial letter you received. This comparison will enable you to understand the obligations set forth by the insurance company and assess whether their actions constitute a breach of those obligations.

3. File a Complaint

 You can file a formal complaint with the insurance company, stating your concerns about their bad-faith actions. The appropriate authorities or regulatory bodies will evaluate your case alongside the insurance company's response. If they find that your insurer is responsible for bad-faith practices, they may mandate the insurer to overturn their decision and impose administrative measures against them.

Consult an Experienced Insurance Bad Faith Attorney!

 Remember that bad faith claims can be complex and challenging to prove. The specific requirements and standards for establishing bad faith vary across jurisdictions. Working with an insurance bad faith attorney in Oklahoma will provide you with the necessary guidance and representation.

At the Law Offices of Jeff Martin, our legal professionals can get accurate advice tailored to your specific circumstances. Reach out to us today to schedule a free consultation and discuss your case in detail.