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Can I sue my home insurance company?
My insurance company denied my claim, even though I know I should have coverage. Now, they’re taking weeks to respond to simple messages. Could I sue my home insurance company?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about your troubles with your insurance provider! You can sue your home insurance company, but you should only sue as a last resort.
Typically, a policyholder will contemplate suing their insurer if they violate or fail to uphold the terms of the policy. For example:
- Claims are not handled properly
- Claims are not paid out in a timely fashion
- Bad faith claims
That said, insurance providers often have a good reason to deny your claim, so you should carefully read any correspondence from your insurer to see if their reasoning makes sense. If you still believe they are acting in bad faith, you should:
- Ensure you didn’t make any mistakes when filing your claim
- Speak with your agent
- Appeal to an executive or manager
- Ask a third party to mediate the dispute
- File a complaint with your state’s department of insurance
- Seek arbitration
Only after trying all the above should you hire an experienced insurance lawyer and sue your home insurance company.
Finally, once your claim is settled, it may be a good time to shop around and compare
home insurance quotes
to find the best available rate.If you want to make comparing quotes and purchasing a new policy simple, you should use
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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