Having insurance should offer you piece of mind; however, at the Beattie Law Firm, we know that is not always the case. There are times when an insurance company will deny coverage without a reasonable basis. This practice, can be insurance bad faith.

It is your right as a policy holder to question why coverage is denied.

We recently settled two cases in bad faith, in which our clients received 7-figure settlement amounts.

One of our major victories came in getting the Eighth Circuit Court of Appeals to overturn a lower court ruling. Our client sustained significant hail loss on his property on September 11, 2012 and reported the loss to his insurance company, Rural Community Insurance Services (RCIS).

Bruhn Farms Joint Venture v. Fireman’s Fund Ins. Co., 2016

Our client did not agree with the adjusters’ calculations and refused to sign the proof of loss, which was completed in November 2012. Despite our client’s disagreement and without approval, RCIS issued a payment for the amount they had determined was payable for losses.

After much back-and-forth between our client and their insurance company, it leaves us with our client’s claim for bad faith. You can read a summary of the entire case here. [more on the case can be read here – {add summary of case}]

Bad Faith Claim

In this case of bad faith, bad faith claims require proof of the absence of a reasonable basis for an insurance company’s denial of the claim, and that the company had knowledge or recklessly disregarded knowledge that its denial was without reasonable basis.

Although the insurance company did not completely refuse to pay the claim, the issue here is that they paid less than the full amount — which is a subject of bad faith. Numerous instances of conduct by the insurance representative and adjusters raised jury issues on bad faith, specifically with the delay in adjusting the fields, and several months following, leading our client to believe the claim would be favorably settled without having to go through the hassle of a join appraisal.

The Beattie Law Firm Will Fight for You

Do you have a question regarding your insurance claim? Feel free to contact us for a free consultation. We specialize in bad faith claims, allowing us to answer any questions you may have. We genuinely care about each of our clients and the outcome of their case; rest assured you will receive caring and aggressive representation no matter the size of your case.

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