Texas Bad Faith Insurance Lawyers Serving Galveston And Houston

When you pay your premiums on time, you expect your insurance company to be there when disaster strikes. However, many policyholders discover that their insurer prioritizes profit over protection. Successfully challenging a massive insurance carrier requires attorneys who are never conflicted. 

At Beeton Shabot LLC, our bad faith insurance lawyers only fight for policyholders in Galveston and Houston. We know insurers, their internal playbooks and their delay tactics. Our experienced attorneys know exactly how companies manufacture reasons to deny valid claims. We are prepared to aggressively take legal actions to expose their decision-making process and hold them accountable in court.

What Constitutes “Bad Faith” Under Texas Law?

It is important to understand that simply being disappointed with a low settlement offer does not automatically mean you have a lawsuit. “Bad faith” is a specific legal concept.

Under Texas law, insurance companies owe a duty of good faith and fair dealing to their policyholders. A bad faith claim arises when an insurer breaches this duty by acting unreasonably or without proper justification. Common examples of bad faith include:

• Unreasonable delays: Intentionally dragging out the timeline to pressure you into a lower settlement
• Failure to investigate: Denying a claim without conducting a thorough, fair inspection of the damage
• Baseless denials: Refusing to pay a claim when liability is reasonably clear
• Misrepresentation: Lying about policy terms or hiding coverage benefits to avoid payment.

We will help you determine if the company’s actions crossed the line from tough negotiating to illegal conduct. 

Common Bad Faith Disputes In Galveston And Harris Counties

Insurance misconduct affects families and businesses across a wide range of policy types. We handle complex disputes involving:

• Homeowner and disaster claims: We frequently see carriers improperly denying wind damage after hurricanes or underpaying for roof replacements.
• Commercial property claims: We fight for businesses when insurers wrongfully deny business interruption or fire damage claims.
• Automobile policy claims: This includes cases where your own insurer fails to defend you or settle a lawsuit brought against you, exposing you to personal liability.
• Life and disability claims: We hold insurers accountable when they deny benefits to grieving families or disabled individuals during their most vulnerable moments.

No matter the policy type, our goal is to prove that the carrier puts their bottom line ahead of your well-being.

Recovering Damages: When A Bad Faith Claim Exceeds The Original Policy Payout

A bad faith lawsuit is a powerful tool because it allows you to recover far more than just the cost of repairs. If we prove the insurer did not follow the Texas Insurance Code, the law allows for penalties to punish them.

Compensation could cover the original claim amount plus statutory interest, ensuring you are paid for the time your money was withheld. You can also recover attorney fees and court costs.

You can also seek compensation for the emotional distress that the insurer’s financial abuse caused. In cases of egregious or willful misconduct, you can seek payment for punitive damages.

Fight Bad Faith Tactics From Insurers With The Help Of Our Legal Team

At Beeton Shabot LLC, our legal team will help you level the playing field when dealing with insurance companies. You will also work directly with our core team in Galveston, meaning you will receive the personal attention necessary to expose bad faith tactics. Contact us today at 409-291-4364 or fill out this form to set up an appointment.