"We expect insurance companies to stand behind us when disaster strikes, but far too often we see insurance carriers deny, delay and underpay legitimate claims," says Phillip Sanov, a Houston-based attorney and head of the Lanier Law Firm Bad Faith Insurance Practice Group.
Insurance companies, increasingly focused on their bottom line and appeasing shareholders, will try to cut corners when it comes to claims, Sanov
"It's not necessarily the individual [claims adjuster] who comes out and has his
feet on the ground," he
"Insurance companies know that nine out of 10 policyholders are just going to give up and say, 'It's not worth it, I don't want to fight anymore,'" Sanov
"A week before a storm hits, go take pictures of your walls and your roof," Sanov
"It does become more of a fight," Sanov
"You hate to talk in those term, but policyholders are fighting with their insurance company.
As claims mount and each adjuster is given a bottom line to preserve, the problems multiply and become greater and greater all the time.
It is hard, in the position I'm in, to say anything in defense of them, given the way I've seen policyholders treated."
For those concerned that countering a claim will be costly, Sanov
says most attorneys and public adjusters work on a contingency basis.