Ylla Gosney, Attorneys at Law helps homeowners in Tulsa through the insurance process when they file a claim. Insurance companies in Tulsa are legally required to act in good faith, but that doesn’t mean they always do. If your insurer is delaying, undervaluing, or denying your claim unfairly, you don’t have to accept it. Our team can help you fight back and get the compensation you’re owed. Contact us today for a free consultation.
Should You Get a Lawyer If You’re Facing Bad Faith Insurance Tactics?
Dealing with bad faith insurance tactics is stressful, especially when you’re dealing with damage to your home on top of everything else. But when you factor in that this is your own insurance provider and you actually pay for policy protection, it adds a layer of frustration. That’s when you should think about getting help from our experienced team. Here’s how we can help you:
- Spotting unfair tactics – We know when insurance companies are stalling, lowballing, or denying claims unfairly, and we’ll fight for your rights.
- Getting you fair payment – If your insurance company offers too little or denies your claim, we gather proof to show what you’re really owed.
- Negotiating for more – We push back against unfair offers to make sure you get a fair payout.
- Taking legal action if needed – If your insurance company won’t cooperate, we’re ready to take them to court.
You don’t have to take on your insurance company alone. If you’re being treated unfairly, contact us today–we’re here to help. And while you don’t want to be in this situation, it’s important to know what you can do.
How Can I Challenge Bad Faith Tactics By My Homeowners Insurance?
It’s true that your homeowners insurance company has a lot of power in the claims process, but that doesn’t mean you don’t have any control. In fact, there’s a few ways that you can challenge their decision–and potentially get more in a payout:
- Check your policy – Read through your insurance policy to understand what’s covered and what limits or exclusions might apply to your specific claim.
- Gather strong evidence – Obviously, the more evidence you have, the stronger your claim is. So, it’s important to make sure you have things like:
- Photos and videos of the damage
- Receipts for repairs and replacements
- Contractor estimates for rebuilding costs
- Reports from independent inspectors or experts
- Get a second opinion – There’s ways to get a second opinion on your company’s decision. Usually, this means hiring an independent adjuster or contractor that can provide an unbiased damage estimate, which may prove your provider’s offer is too low.
- Challenge the decision – Send a letter to your insurance company explaining why their assessment is wrong. Include supporting documents like repair estimates and expert reports.
- Negotiate for more – Your company’s main tactic is to start with a low offer. Stay persistent and use your evidence to push for a fairer settlement.
- File a complaint with OID – If your provider won’t reconsider, you can report them to the Oklahoma Insurance Department (OID), which investigates bad faith practices.
Taking the right steps can make a big difference. These actions help build your case, and if you need legal support, our team is here to stand up for you in negotiations for a better payout.
What Do Bad Faith Homeowners Insurance Tactics Look Like?
One of the toughest parts of the entire claims process is being able to know whether or not your insurance company is using bad faith tactics. After all, it’s not like they’ll admit that they’re intentionally lowballing you or stalling. But this is exactly what happens. So, it’s important to be able to identify what’s happening to you, and then taking steps to fix it:
- Dragging out your claim – Most often, you’ll probably experience long delays when filing your claim and waiting for a decision. The longer the process drags out, the more you’ll be pressured into taking their offer.
- Lowballing your payout – Your company will likely offer far less than what it actually costs to repair storm, fire, or water damage, ignoring key parts of your claim.
- Unfair claim denials – Some companies deny homeowners insurance claims without a valid reason, leaving you to cover damages out of pocket.
- Twisting policy terms – Your company may misinterpret your policy to avoid paying for tornado, hail, or other common Tulsa-related damages that should be covered.
- Skipping a proper investigation – Some insurance companies fail to send an adjuster or ignore evidence, leading to an unfairly low claim amount.
- Rushing you into a bad deal – You may be pressured to accept a low settlement quickly instead of having time to review what you’re actually owed.
- Giving misleading information – Some insurers mislead homeowners about their coverage, making it seem like certain damages aren’t covered when they actually are.
When you actually need your homeowners insurance company to provide what you pay for policy-wise, you can see just how harmful these tactics are. That’s why Oklahoma law makes them illegal, and that’s where our team can step in and help you.
Contact Ylla Gosney To Challenge Bad Faith Insurance Tactics in Tulsa
If your insurance company isn’t offering a fair settlement, you don’t have to accept it. Our lawyers can help fight against low offers, challenge unfair denials, and hold the insurance company responsible for their bad faith tactics. You shouldn’t have to deal with the added stress of fighting with insurance, especially right now. Contact our team in Tulsa for the support and help you need.
