Did your insurance company deny coverage on a clearly covered claim and what options do you have to stand up to them?  Unfortunately, the denial of valid insurance claims happens much more frequently than one might expect.  Insurance companies often attempt to settle a claim for far less than what they should pay under the coverage.  In other cases, the adjuster or insurance company representative will attempt to convince the insured that part or all of the claim is not covered under the insurance policy itself.

The Watkins Firm insurance coverage attorneys stand up for commercial and residential insured policy holders and review the insurance policy in question to determine the extent of policy coverage.  Insurance companies and their employee can make mistakes.  They may also actually misunderstand or misrepresent the extent of policy coverages.  If we believe your insurance agent and/or the company deny coverage on a clearly covered claim we will hold your insurance accountable for the amounts they owe and evaluate the possibility of insurance bad faith.

California law holds insurers to a high legal standard when it comes to their responsibilities under an insurance policy.  They are to act in good faith when attempting to resolve or settle a valid claim.  Unfortunately they often attempt to hide behind questions of coverage, or a tactic known as the Reservation of Rights letter.  This letter is sent to inform the insured that the company believes part or all of their claim may either not be covered, or their responsibility is limited due to the acts of the insured.  Insurance insiders actually call the Reservation of Rights letter a “denial letter.”

Don’t allow your insurance company to bully you or try to deny coverage on a clearly covered claim when they are required by law to pay for it.  Learn about your rights under California law.  We invite you to review the strong recommendations of our clients and contact the Watkins Firm or call 858-535-1511 for a complimentary consultation today.