Insurance Law Lawyers

Insurance Claim Denied

A denial is not the final word. Policyholders can demand written reasons, appeal internally, complain to regulators, and sue for breach of contract — and where an insurer denies in bad faith, extra damages may be available.

Your Insurance Claim Was Denied

A denial is not the end of the process. Start with the policy wording and the insurer's stated reason, because most disputes turn on a specific exclusion, a condition you were required to meet, or a disagreement about the facts. Insurers owe policyholders a duty of good faith in both countries, and there are internal appeal and regulatory complaint routes before litigation.

Your Insurer Is Handling Your Claim Unfairly

Insurers owe policyholders a duty of good faith in how a claim is handled, separate from the question of whether the claim is payable. Bad faith is not simply a wrong decision - it is conduct such as unexplained delay, shifting or pretextual reasons, ignoring the insured's evidence, or repeated identical document requests. Canadian courts have awarded aggravated and punitive damages beyond the policy benefit where handling was egregious.