Bad Faith

Bad faith insurance practices

Texas success story - Travelers denied my hail-damage roof claim for 14 months citing "wear and tear" exclusion, ultimately paid $84,200 RCV plus $30,000 in statutory bad-faith damages under Chapter 541/542. full walkthrough of the engineer report, demand letter, and prompt-pay statutory cites that moved the carrier.

finally closed out a 14-month fight with Travelers on a residential roof claim and figured the success-story writeup might help other texas policyholders staring down a "wear and tear" denial on a...

Posted by formerAdjuster2019•1mo ago

5 comments

14 months fighting State Farm on a roof claim - sharing the evidence binder that finally made our bad faith case stick

finally settled last week. taking some time to write this up because i wish someone had given me this roadmap 14 months ago. background: april 2025 wind/hail event in our area, multiple neighbors...

Posted by worriedparent909•1mo ago

6 comments

is what my homeowners carrier is doing actually bad faith or am i overreacting - they "lost" my submitted docs three times now and the clock keeps resetting

need a sanity check from people who actually know this stuff. small kitchen fire claim with travelers, filed in late january. nothing huge, total scope is around $19,400, mostly cabinets, countertops,...

Posted by policynerve•1mo ago

5 comments

USAA delayed and lowballed my Texas wind and hail claim for 11 months on a $134,800 documented loss with shifting denials, evasive adjuster responses, and a final settlement offer of $38,200 that ignored matching, code upgrades, and overhead and profit. Forced $156,400 settlement plus $48,200 in consequential and statutory damages using the Texas Insurance Code Chapter 542 prompt payment framework, the Chapter 541 unfair claim settlement practices framework, and the common-law bad faith doctrine. The five-element approach to first-party bad faith claims in Texas and the documentation strategy that wins them

Posting this because first-party bad faith claims are one of the highest-leverage policyholder remedies for delayed, denied, and underpaid claims, and Texas provides one of the most...

Posted by confusedHomeowner197•1mo ago

7 comments

Liberty Mutual slow-rolled a straightforward property claim for 14 months and i finally have proof in writing it was intentional

Posting this because i want it documented somewhere public. December 2024 a pipe burst in our second floor bathroom while we were on vacation in Tampa. Water ran for an estimated 9 hours before our...

Posted by confusedworker1•1mo ago

7 comments

Recovered full $186,000 policy limits plus $42,000 attorney fees from State Farm on a denied Tennessee water mitigation claim after 11 months of bad faith conduct. Here is the exact procedural sequence that made the bad faith claim stick

Sharing this because Tennessee bad faith law is one of the most claimant-friendly statutory schemes in the country and most policyholders have no idea the 25 percent penalty plus attorney fees...

Posted by worriedparent909•2mo ago

7 comments

Is it bad faith when Allstate sat on my claim for 91 days then offered 30% of the estimate the day after i filed a DOI complaint? Trying to figure out next steps

Trying to get some clarity from people who have been through this before because im honestly not sure if what im looking at meets the bad faith threshold or if its just garden variety carrier delay....

Posted by hopefulPolicyholder962•2mo ago

6 comments

Does this count as bad faith? Adjuster has ignored me for over a month

I filed a homeowners claim for water damage from a burst pipe back in early February. The adjuster came out, did an inspection, said I'd hear back within two weeks with an estimate. That was 5 weeks...

Posted by worried_renter_802•3mo ago

5 comments

What does "bad faith" actually mean in insurance terms?

People keep telling me my insurance company is acting in bad faith but im not sure what that legally means. They denied my claim, gave vague reasons, and the adjuster has been impossible to reach. Is...

Posted by deductible_insurance_80•4mo ago

6 comments

How to file a complaint against an insurance company?

My adjuster has straight up lied to me multiple times. First said my claim was approved, then said it wasn't. Told me a check was mailed that never came. Wont return calls for days. I want to file a...

Posted by frustrated_parent_393•4mo ago

5 comments

Won my bad faith lawsuit - insurance company had to pay triple

Long story but the summary: insurance company denied a legitimate $35,000 water damage claim for bogus reasons, ignored my appeals, and wouldnt return my calls for months. Hired an insurance attorney...

Posted by homeowner_damage_63•4mo ago

5 comments

Insurance company has been "investigating" for 4 months

Filed a fire claim back in September. They sent an adjuster, asked for a million documents, and now just keep saying theyre "still investigating." We're staying with family and cant move forward until...

Posted by curiousRenter125•6mo ago

6 comments