How Much Is Too Much?: Documentation and Bad Faith
The Central Texas wildfires caused an immense amount of damage and destruction, deeply affecting those living in the Bastrop and Steiner Ranch areas. However, as many people try to start the rebuilding process by filing an insurance claim, insurance companies have proven themselves less than sympathetic. Many Texans have found themselves without enough coverage from their insurers to address their damages or are still waiting for a check altogether.
One of the many tactics an insurer may use to deny or delay a person’s coverage is to demand excessive documentation for a piece of a property and the damage sustained. When this happens, a policyholder may be able to pursue legal action in an effort to recover the money that they are due. If you feel that you have been wronged by your insurer, it may be time to act. To learn more, contact the Bastrop fire insurance claim lawyers of Williams Kherkher today by calling 800-639-8460.
Are All Those Records Necessary?
The signs of an insurer trying to stall or deny a claim are often difficult to identify at first. After all, insurance companies do not want to raise alarm too quickly. However, they may ask a property owner for the following records and documents:
- Long-term records that far exceed the scope of the fire
- Records that pre-date the insurance company’s policy
- Excessive information about the property that has nothing to do with the damage
A policyholder is considered responsible for providing evidence of their damages. However, they are not responsible for providing an insurer an excessive amount of information that is not immediately related to the fire.
When a policyholder purchases an insurance policy, the assumption is that the insurer will provide coverage in good faith. If an insurance company is clearly trying to avoid paying according to its obligations, they may be taken to court for it. For more information regarding your options, contact the Bastrop fire insurance claim attorneys of Williams Kherkher at 800-639-8460 today.