Insurance Denial and Bad Faith Claims: Protecting Your Rights

At Hogue Law Firm, we specialize in representing clients facing insurance denial and bad faith claims throughout Spokane and Washington State. When an insurance company wrongfully denies a valid claim or acts in bad faith, policyholders deserve strong legal advocacy to hold insurers accountable and secure the compensation they are entitled to.

What is Insurance Denial?

Insurance denial occurs when an insurance company refuses to honor a claim submitted by a policyholder. This may happen for several reasons, including:

• Disputes over coverage terms

• Alleged misrepresentation by the insured

• Delayed or insufficient claim documentation

• Unjustified denials or delays without investigation

If your claim for auto insurance, homeowners insurance, commercial or business insurance, medical malpractice coverage, or any other policy is unfairly denied, you have the right to challenge that decision.

Understanding Bad Faith Insurance Practices

Bad faith insurance refers to unethical and unlawful conduct by insurers, including:

• Unreasonable delays in claim processing

• Denying claims without a proper investigation

• Misrepresenting policy provisions

• Lowballing settlements or refusing to negotiate fairly

• Ignoring policyholder inquiries or complaints

Washington State law requires insurers to act in good faith and deal fairly with their customers. When insurers fail in these duties, you may have grounds for a bad faith claim, allowing you to pursue extra damages beyond your original insurance claim.

Denials and Bad Faith in Homeowners Insurance Claims

If your property or homeowners insurance claim is denied by your insurance company, it can feel overwhelming and frustrating. We are here to help homeowners in Washington when insurance companies wrongfully or unfairly deny your claim or when they commit bad faith. We litigate all types of perils, including water, fire, wind, lightning, snow, falling objects, and any other damage from a covered event in the insurance policy.

• Common Reasons Insurance Companies Deny Homeowners Claims

• What to Do If Your Homeowners Claim Was Denied Unfairly

• Common Bad Faith Tactics by Insurance Companies in Homeowners Claims

• Suing for Bad Faith in Homeowners Claims: What You Need to Know

• Delay, Deny, Defend: Insurance Company Strategies Exposed in Homeowners Claims

Denials and Bad Faith in Commercial Property and Business Claims

We assist Washington business owners with commercial property insurance denials. These denials can disrupt your business operations, strain finances, and leave you questioning coverage. We are here to help when insurance companies act in bad faith or unfairly deny your commercial property or business claim. We represent all types of companies, including manufacturers, warehouses, retail stores, hotels, restaurants, and more.

• Resolving Disputes over Commercial Property Damage Coverage

• When to Hire a Lawyer for a Denied Commercial Policy Claim

• Handling Denied Claims for Storm Damage to Commercial Properties

• Fire or Water Damage: Why Insurance Companies Deny Business Claims

• Bad Faith Tactics Insurers Use on Business Owners

• Winning a Bad Faith Lawsuit Against Your Commercial Insurer

What to Do When Your Insurance Company Fails to Defend You?

When you purchase commercial or personal liability insurance, whether for your business, vehicle, or home, in Washington, you expect your insurance company to step up and defend you if you’re sued. When insurance companies fail to defend you, it can leave you exposed to massive legal costs, judgments, and distress. We assist individuals in obtaining coverage from their insurers when the insurance company fails to defend them. When insurance companies continue to deny a defense, we help insureds explore their options of suing the insurance company, including for breach of contract, bad faith, and violations of Washington’s insurance laws.

• Insurance Company Failure to Defend: Laws, Circumstances, and Ramifications

• What Is a Reservation of Rights?

• What to Do When Your Insurance Company Won’t Defend You

Why Choose Hogue Law Firm for Insurance Denial and Bad Faith Claims?

Our experienced attorney understands the complexities of insurance policies and Washington insurance law. We fight aggressively to:

• Review your insurance policy and claim details meticulously

• Investigate the insurer’s denial or bad faith actions

• Negotiate with insurance companies to obtain fair settlements

• Litigate your case in court if necessary to protect your rights

Contact Us for a Free Consultation

If you are dealing with an insurance denial or suspect your insurer has acted in bad faith, prompt legal action is critical. Contact Hogue Law Firm today to schedule a free consultation with an attorney dedicated to helping Spokane and Washington residents get the justice they deserve.