When Insurance Refuses to Pay

 

You buy insurance to protect yourself and your belongings, but where do you turn if they refuse to pay for your loss?

It can be a frustrating and frightening experience when an insurance company denies your claim. If you believe they are denying it wrongly, you have the right to file a “vexatious refusal to pay” claim.

Vexatious refusal means that the insurance company didn’t treat you fairly – not that they had a difference of opinion as to the value, but that they putting their interests above yours. By filing a vexatious refusal claim, you may be able to recover the amount that you were wrongly denied, reasonable attorney fees, and additional penalties on the amount of your loss.

It can be difficult to understand why your insurance company is refusing your claim. Insurance adjusters can be overly aggressive in denying claims. Wording in your policy may be ambiguous, which the company can exploit by saying that the damage was not covered in the first place. Also, insurers commonly refuse to pay in the case of fires where arson is suspected, or if your policy entitles you to the replacement cost of damaged property (versus the current, depreciated value).

Contact a St. Louis Attorney

The attorneys at The S.E. Farris Law Firm are experienced in vexatious refusal and bad faith claims, and we don’t back down from insurance companies. We work quickly and fight hard to make you whole again.

If you suspect your insurance company is wrongfully denying your claim, call us at 314-A-LAWYER (314-252-9937) today for a free consultation, or visit www.FarrisLaw.net.