Fighting For Every Last Dollar On Every Last Claim

Understand Your Rights Under Your Insurance Policy

Most of us have heard the term “bad faith Insurance.” Not all of us know what that means. It can mean that your insurance provider is undervaluing your claim, is illegally denying your claim or is underpaying your claim per the terms of the policy.

As a former attorney for the insurance companies, I can tell you that an insurance company’s first priority is to pay out as little as possible or nothing at all. Unfortunately, that means that yes, they deny valid claims, or underpay or undervalue claims. I founded Prestwood Law Firm, so that I could provide one-on-one service and guidance to clients who need legal advocacy to get the compensation they deserve.

What Can You Do If Your Claim Is Denied?

When you take out an insurance policy, you are acting with the belief that you will be compensated when you experience a loss that is covered under your policy. Your insurance carrier must act in good faith. This means they must:

  • Investigate your claim
  • Consider your financial interests
  • Honestly interpret and promptly review the claim
  • Settle the claim within the policy
  • Consider and evaluate what will happen if they fail to do these things

In Alabama, when an insurance carrier does not review or pay out your claim within a reasonable time, they are acting in bad faith. If you can prove this, then you, as the policyholder, can seek compensatory damages. You may also have grounds to pursue punitive damages if the insurance company behaved egregiously. It does not matter whether you are making a first-party claim as the policyholder or a third-party claim as a person injured by the policyholder. While the term “bad faith” is not used by lawmakers in Alabama, your right as a policyholder to sue is valid. If you feel that your insurance company violated your rights, be sure to carefully review the terms of your contract. An experienced insurance attorney can help you understand your rights and whether or not you have a claim.

Visit my FAQ page for short videos on commonly asked questions.

Why Hire Smith Prestwood?

When it comes to insurance law, not all attorneys are the same. You want to work with an attorney who has a comprehensive understanding of Alabama insurance law. You will also want to partner with an attorney who has a profound knowledge of the tactics these companies use to avoid a payout. Furthermore, you want an attorney who knows what to do when the insurance company is acting in bad faith.

As an attorney who worked for seven years defending the insurance company, and who is passionate in my advocacy and protection of policyholders, I can help you pursue compensation for many types of property damage, including:

  • Fire damage
  • Storm damage from hurricanes or tornados
  • Flood damage from a burst water pipe
  • Water or flood damage if caused by a hurricane and covered in the terms of your policy or rider
  • Hail damage

Do you feel you have a property insurance claim? Not sure what exactly your policy covers? I offer a free consultation to help you assess whether or not to pursue action.

Get In Touch To Talk About Your Policy Terms

Not everyone speaks fluent “legalese.” I am here to help you understand your policy, your rights and what options you have. If you have a question, do not hesitate to call 251-929-4092. You can also reach me at the office by sending an email with your contact info and a line or two about your concern. My office is in Fairhope. I help people in both Mobile and Baldwin counties with their insurance issues.