Myrtle Beach Firm Handles Insurance Coverage Disputes
South Carolina attorneys advise clients on bad faith claims
Obtaining suitable insurance coverage is essential if you run a business, own property or are engaged in a construction project. Unfortunately, when something goes wrong, policyholders are sometimes surprised when their carrier denies that they aren’t responsible for the loss that occurred. At DesChamps Law Firm in Myrtle Beach, our accomplished South Carolina attorneys have expanded our practice to encompass insurance issues and bad faith claims. Our experience stems from representing clients in both federal and state courts, and regularly assisting clients with coverage-related issues. Our insurance practice is primarily focused on assisting general contractors, builders, business owners, landlords and commercial property owners with respect to property and liability policies.
The types of bad faith cases typically vary in each state. In South Carolina, bad faith claims may involve an insurer’s failure or unreasonable refusal to settle with a third party within policy limits, unreasonable action or delay in processing an insured’s loss claim, or denial of an insured’s claim for coverage without a reasonable basis to support its decision. This type of misconduct can take many different forms, such as:
- Inadequate investigation — Insurance companies have a legal obligation to investigate claims honestly and thoroughly. If you believe that you were denied coverage because your carrier failed to gather the evidence necessary to make a sound decision, our firm can review their investigation to determine if key facts were missed.
- Lack of proper explanation for coverage denial — As a policyholder, you are entitled to learn why you did not receive the protection you thought you had contracted for. When an insurer refuses to offer sufficient detail to support their decision, we press to determine if that indicates improper claims handling.
- Refusal to offer a reasonable settlement — Our firm stands up for clients whose carriers refuse to acknowledge their coverage or make a reasonable settlement offer. When warranted, we can bring legal action in order to compel an insurance company to perform their contractual duty.
- Excessive delays — A carrier that recognizes that they have significant exposure on a certain claim might try to limit what they must pay out by dragging out the review process until the claimant accepts an inadequate settlement. Should you be frustrated by a long delay, we’ll take prompt action to help move the process along. The claim-handling process can be daunting and overwhelming after suffering extensive property damage. Be sure to consult a knowledgeable attorney sooner rather than later to guide you through the process.
The claim-handling process can be daunting and overwhelming after suffering extensive property damage. Be sure to consult a knowledgeable attorney sooner rather than later to guide you through the process.
Contact a Myrtle Beach lawyer regarding your insurance coverage or bad faith issue
The attorneys at DesChamps Law Firm advise Grand Strand clients on all types of insurance coverage issues. To schedule a consultation with one of our experienced lawyers, please call 843-213-6430 or contact us online. Our office is in Myrtle Beach.