What Bad Faith in an Insurance Claim Might Look Like

Have you wondered what bad faith on the part of an insurance company looks like?  Has this, or something similar to this, happened to you?

I want to share a call from a prospective client I received an hour ago.

After first consulting with several professionals who confirmed his roof damage, he filed a hail claim with his insurance company. They first sent an Independent Adjuster to his home to inspect his roof, who confirmed the damage, and then reported to the insurance provider that the roof should be replaced.

The insurance provider, instead of paying the claim, decided to send a second adjuster, this time a 40-year seasoned desk adjuster employed by their company, to physically inspect the property and who informed the insured homeowner after his inspection that he agreed with the first inspector and would be submitting his request for a full roof replacement.

A few weeks later, instead of paying for the damage confirmed by two different adjusters hired by them, a member of the insurance carrier’s management team emailed the insured homeowner that he was sending a third adjuster … this time another contracted Independent Adjuster … to inspect the damaged roof. The third adjuster arrived, inspected the same roof, and agreed with the first two adjusters that the roof needs to be replaced and informed the policyholder and insurance provider accordingly.

Instead of paying for the damage that three adjusters reported to them, the large insurance provider we all know is now sending their “engineer” to inspect the damage a fourth time and report back to them.

I wonder what the engineer will say,” said no one, ever.

Sometimes I feel compelled to pay certain insurance carriers for all the marketing they provide for my services to their own customers.  

Know how to make a legitimate insurance claim before you present it to your insurance company or, as an alternative, contact an attorney or public adjuster to advise you.  “No” is not always the final answer to your insurance claim.

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