Homeowners Policies

Homeowners carry insurance on their property, which protects the home, its contents, loss of its use (including additional living expenses) and loss of other personal possessions of the homeowner. Policies can also cover liability for accidents that may happen at the home or at the hands of the homeowner within the policy territory. When a person buys a homeowner’s insurance policy that agrees to pay them when certain unplanned events things occur, they expect the insurance company to live up to its obligation. Unfortunately, insurance companies all too frequently fail to live up to their obligations regarding homeowner’s insurance policies.

Homeowner’s Bad Faith Insurance

Homeowner’s insurance litigation and claims stem from the insurance company failing to treat a customer fairly and honestly when the customer makes a legitimate claim for benefits under their homeowner’s policy.  This can happen in many ways, but is best generally described as an insurance company using illegal and/or unethical methods to deny a person some or all of the benefits to which they are entitled under their homeowner’s policy.

It is not at all uncommon to see an insurance company commit bad faith in processing and handling claims for benefits under a homeowner’s insurance policy.  This is often seen when insurance companies refuse to pay claims for hail or wind damage to a homeowner’s roof, improperly claiming that such damage is not covered or when insurance companies refuse to pay full damages for other property damage to a home that is clearly covered under the policy.

The attorneys at Heygood, Orr & Pearson have represented policyholders in lawsuits where insurance companies have refused to pay benefits that were clearly owed under valid homeowner’s insurance policies.  At Heygood, Orr & Pearson, we have seen insurance companies obtain a report from an independent roofing expert who says that the damage to the roof was 100% covered and should be paid only to see the insurance company hide such report and pay a different company (one they routinely use for “insurance friendly reports”) to provide a report saying the damage was not covered.  This type of conduct is illegal, inappropriate and unconscionable.  At Heygood, Orr & Pearson, we fight to expose these types of actions.

HO&P Will Fight for Your Rights

At Heygood, Orr & Pearson, we believe your home is your sanctuary, filled with your most important people and most prized possessions. When you acquire a homeowner’s insurance policy, you deserve the security and protection you are paying for and to which you are legally entitled. If your insurance company has acted in “bad faith” during your time of need, we believe the insurance company should be held legally responsible for its actions.

Heygood, Orr & Pearson has the resources, experience and know-how to guide you through the tragedy that prompted your claim for homeowner’s benefits and help you protect your rights against an insurance company that refuses to treat you fairly.  If you think you may have been a victim of an insurance company treating you unfairly on a homeowner’s insurance claim, please contact us for a free consultation.