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FAILURE TO DEFEND

Holding Insurance Companies
Accountable To Policy Holders

Insurance companies have the duty to defend their insured when their insured is sued for claims that possibly fall within the limits of the policy.

Houston Insurance Lawyers

Bad Faith Insurance

Is Your Insurance Company
Refusing to Defend You?

Failure to defend claims are contractual: they arise when the insurance company fails to do something required by the insurance contract. Every insurer has many obligations to its policyholders. They must abide by the terms of the contract (policy), act in good faith, and avoid unfair trade practices. These obligations typically require the insurance company to refrain from the following:

  • An inadequate and delayed investigation into the claim
  • Refusing to pay a claim where liability is reasonably clear
  • Failing to approve or deny a claim within a reasonable or specified time frame
  • Denying a claim with little or no explanation as to the reason for the denial
  • Failing to defend you in a liability lawsuit where at least one of the claims is potentially covered by your liability policy
  • Denying a claim based on an application misstatement after the period of contestability has past

Insurance companies are in business to make money. They accomplish this by taking in more premiums than they pay out in claims. It should be an honest and straightforward business and most of the time it is. Unfortunately, some insurance companies don’t play fair, they either refuse to pay valid claims or refuse to pay a fair amount. Most of the time you won’t know if your insurance company operates this way until it is too late and that could lead to financial ruin for you, your family, and/or your business.

If your feel you are being treated unfairly by your insurance company, we can help you level the playing field. Our experienced Insurance Lawyers know how to hold insurance companies liable to you, the insured, and can work on your behalf so you do not suffer more damage than you already have.

TIME TO SEEK AN ATTORNEY

Don’t Go Up Against
Your Insurance Company Alone

Individuals and businesses purchase insurance to protect themselves and their assets. For example:

  • Automobile insurance to protect them in the event of an accident involving a motor vehicle
  • Homeowners insurance to protect their house and property
  • Commercial general liability insurance to protect their businesses
  • Professional liability insurance to protect professional business activities

Each of these types of insurance generally protects the insured in the event a lawsuit or legal claim is filed against them. Often, insureds expect that if a claim is filed against them, their insurance company will step up and defend the person or business. This is where it can get tricky.

It’s important to understand that just because the insurance company asserts that your policy does not provide coverage, does not necessarily make it true.

Insureds are sometimes faced with situations in which a legal claim is asserted against them, but their insurance company denies coverage and refuses to defend them. This leaves insured wondering what to do and where to turn. Individuals or businesses could face significant expense to defend against the alleged claims. This is especially difficult when the insured has been paying premiums expecting that their insurance company would protect them in the event of a lawsuit.

Any time an insurance company does not agree to provide coverage under an insurance policy, it is important for an attorney to review the insured’s legal rights and options.

NEED HELP WITH AN INSURANCE CLAIM?

Let Us Go To Work For You

If your insurance claim has been delayed or denied or you just don’t know where to turn, it’s time to contact Zar Law to discuss your options and believe us… you DO have options! The same is true for underpaid claims. Insurance companies are notorious for overlooking and undervaluing:

  • Structural damage
  • Roof damage
  • Plumbing and/or electrical damage
  • Unforseen Damage
  • …and so much more.

Our team of Insurance Claim Lawyers, engineers, and independent inspectors are ready to help. We have the experience and dedication to go toe to toe with the largest insurance companies and we are well-prepared to get the best possible results for your case.

“Thank you does not seem like enough for the peacefulness you have brought to my life. This has been a long two years, and I really didn’t think that you would be able to bring us to a settlement this fast. I have to remind myself that I don’t have to worry about our lives in the same intense way anymore.”

Leslie P.
Houston, TX

“These guys saved me twice. Matt personally came to Austin for an entire day once and just nailed it in a mediation settlement. Definitely will go back for a third time if I need legal services. Its not even close.”

Neemarr S.
Austin, TX

Matt and his team are great to work with and helped win and collect on a settlement for hurricane property damages on several commercial properties when the insurance company was dragging their feet. Matt always kept me informed and will fight well on your behalf.

Gil R.
Houston, TX

Thanks to Zar Law Firm for helping out my family! They helped obtain every insurance benefit that we were owed. Once a denied claim is now fully paid. I would recommend them to anyone that needs with their insurance claim.

Michael C.
Houston, TX

TRUSTED AND RECOMMENDED

What Our Clients
Have To Say

We have the knowledge, staff and resources necessary to represent clients in the most complex cases.

Our firm represents ordinary people in lawsuits against corporations, banks, and insurance companies.

Our trial lawyers have the courtroom expertise needed to fight and win at trial.

We are equally effective in settlement negotiations for our clients.

TRUSTED AND RECOMMENDED

What Our Clients Have To Say

“Thank you does not seem like enough for the peacefulness you have brought to my life. This has been a long two years, and I really didn’t think that you would be able to bring us to a settlement this fast. I have to remind myself that I don’t have to worry about our lives in the same intense way anymore.”

Leslie P.
Houston, TX

“These guys saved me twice. Matt personally came to Austin for an entire day once and just nailed it in a mediation settlement. Definitely will go back for a third time if I need legal services. Its not even close.”

Neemarr S.
Austin, TX

Matt and his team are great to work with and helped win and collect on a settlement for hurricane property damages on several commercial properties when the insurance company was dragging their feet. Matt always kept me informed and will fight well on your behalf.

Gil R.
Houston, TX

Thanks to Zar Law Firm for helping out my family! They helped obtain every insurance benefit that we were owed. Once a denied claim is now fully paid. I would recommend them to anyone that needs with their insurance claim.

Michael C.
Houston, TX

We have the knowledge, staff and resources necessary to represent clients in the most complex cases.

Our firm represents ordinary people in lawsuits against corporations, banks, and insurance companies.

Our trial lawyers have the courtroom expertise needed to fight and win at trial.

We are equally effective in settlement negotiations for our clients.

Get Help Today

FREE, CONFIDENTIAL CASE REVIEW.

The information in this website is for general information purposes only and should not be taken as legal advice for any individual case or situation nor does it form or create any kind of lawyer or attorney client relationship.

Get Help Today

FREE, CONFIDENTIAL CASE REVIEW.

The information in this website is for general information purposes only and should not be taken as legal advice for any individual case or situation nor does it form or create any kind of lawyer or attorney client relationship.

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