Illegal And Prohibited Insurance Conduct
Insurance companies CANNOT ENGAGE IN THE FOLLOWING BEHAVIOR:
- Put their own financial interests ahead of the finances or health of you, your family, or your business
- Knowingly hire dishonest or adversarial reviewers and investigators, who will be biased by their own financial gain or their attitudes toward home or business owners.
- Take shortcuts in their job by not conducting a reasonable and complete investigation of your claim.
- Deny claims with no reasonable basis.
- Deny claims with no reasonable investigation of your claim.
- Withhold payment for repairs and damage with unreasonable, exaggerated excuses.
- Change their excuses in order to maintain a false denial of your claim.
- Knowingly add to your injuries by denying your reasonable, apparent needs.
- Throw unnecessary obstacles in the way of covering a clear need.
- Deny a claim without any records or investigation.
Generally, homeowner’s policies cover windstorm damage, while flood policies cover rising water and storm surge. INSURANCE COMPANIES MAY NOT MANIPULATE THE CLAIMS PROCESS TO AVOID PAYING WHAT THEY OWE YOU.