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First Party Claims Attorneys

A first-party insurance claim is when a policyholder files a claim against their own insurance company. Typically this claim occurs in the context of your real property like a home or business, such as when your roof is damaged by high winds or a hail storm. When this happens, you would notify your own insurance company of the incident and they would be obligated to pay you fairly for the losses covered under your insurance contract.

The insurance contract itself will outline the duties of both the insured and the insurance company. Typically the insurance company will send an adjuster out to the property to complete an inspection, conduct interviews, and generally gather information about the claim.

Unfortunately, many insurance companies wrongfully deny or intentionally undervalue valid and covered claims. If in doing so the insurance company did not in good faith abide by the terms of the insurance contract, it results in a breach of contract. In some instances, it can also result in further violations of Missouri or Kansas law for bad faith or vexatious refusal to pay. If that is the case, the insured can recover additional damages in excess of what is covered in the insurance contract.

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Look for the following to see if you might have a claim as a residential or commercial insurance policy holder:

  • Refusing to Pay Your Claim

  • Delaying Payment

  • Failing to Conduct a Proper Investigation

  • Failing to Tell You Why Your Claim is Denied

  • Refusing to Provide Documentation or Policies

  • Failing to Communicate With You

  • Giving False Reasons for Denial

If you believe an insurance company treated you unfairly or wrongfully denied or underpaid a first-party insurance claim, you need the assistance of a lawyer who understands bad-faith claims. Contact us online or by phone to schedule a free consultation today.