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 who filed a bad faith lawsuit. During discovery it came out that the adjuster had written in internal notes that the claim should be paid but their supervisor overruled it to "hit quarterly denial targets."

Settled for $112,000 - the original claim plus damages, attorney fees, and penalties. Took 14 months but it was worth it.

If your insurance company is ignoring you or denying legitimate claims without real reasons, talk to a bad faith attorney. Many work on contingency so it costs you nothing upfront.