Huntsville Insurance Disputes Lawyers
Representing commercial and residential policyholders
Let us be clear: despite the marketing, insurance companies are not your friends. They are not your good neighbors. You are not necessarily in good hands. Insurance companies are designed to make – and keep – your money. When you have been the victim of a bad faith action, the chances are good that you will need legal counsel to protect what is yours.
At Martin & Helms, we represent commercial and residential policyholders in large-scale claims against their insurers. If your coverage has been denied or delayed, let us help.
What is insurance bad faith?
An insurance policy is a contract. In exchange for the monthly premiums that you pay, the insurance company promises to reimburse you for covered losses. When the insurance company denies a legitimate claim without an acceptable reason for the denial, it is acting in bad faith.
To prevail in a complaint against an insurance company for bad faith, the plaintiff must first prove that a contract between the insurer and the plaintiff (policyholder) exists, then they must prove that the contract was breached by the insurance company's refusal to pay the claim with no reasonable grounds for the refusal. Compensatory damages are available in an insurance bad faith claim, along with punitive damages if the plaintiff can prove that the insurance company's misconduct or deception was intentional.
Insurance policies are full of complicated language that can be difficult for the average policyholder to decipher. Having an attorney on your side will make sure that your interests are protected and that you improve your chances of obtaining justice.
Who we represent
At Martin & Helms, we have helped clients resolve insurance disputes with several types of policies including:
- Residential property owners
- Commercial property owners
- Condominium owners and HOAs
What we do
Insurance dispute litigation is broad and comprehensive; at Martin & Helms, we are selective about the claims we choose to take. If you need assistance with claims for commercial repairs and renovations, business interruption claims, ingress/egress claims, or commercial liability, contact us to reserve a consultation.
Lawsuit, settlement, or arbitration?
You do not have to sue your insurance company. It is possible to negotiate with your insurance company to resolve the dispute, but if that is not successful there are other alternative dispute resolution options such as mediation that you can try. We can also represent you in arbitration proceedings if you are contractually bound to them.
If your insurance company has wrongfully denied or undercut the value of your claim, failed to investigate your claim, or any other behavior that reveals their intention to not pay your valid claim, contact us today.
Help for Alabama policyholders
At Martin & Helms, we are here to represent you. Please call 256-539-1990 or complete our contact form to schedule a consultation to discuss your case. We maintain offices in Huntsville and Decatur, and serve policyholders throughout the North Alabama and Tennessee Valley region.