Policyholders pay good money to secure the coverage insurance companies promise to provide through their policies. When insurance companies sell an insurance policy, they promise to act in good faith and deal fairly with their insured. When a loss occurs, policyholders expect their insurance companies to deliver on their promises. Unfortunately, that is not always the case.
When you purchase an insurance policy, whether it is a homeowners, automobile, liability, life insurance, or any other type of policy, you are entitled to the full benefits of the policy when you have a covered claim. The rights of policyholders against their insurance companies are based primarily on the insurance policy and corresponding endorsements, but the policyholders may also have rights derive from the general duty of good faith that the law imposes on insurance companies when dealing with their policyholders.

At times, the language in the insurance policy drafted by the insurer, or the application of the facts of the case to that language, could result in legitimate disagreement between the carrier and the policyholder regarding coverage. However, in many instances, what seems like a straightforward claim for a loss covered under the policy, is transformed into an adversarial, time-consuming dispute for no legitimate reason.