Business & Construction Law

Insurance Law

You pay premiums so coverage is there when you need it. When an insurer delays, underpays, or denies a valid claim, we hold it to its obligations.

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How Krankemann Law helps policyholders

We read the policy carefully, compare it against the insurer's handling of your claim, and challenge an unreasonable denial, delay, or underpayment. Where an insurer has acted in bad faith, we pursue the claim that conduct supports. The goal is the full benefit your policy promises, not the figure the insurer prefers.

An insurer's duties in California

California law requires insurers to handle claims in good faith and to deal fairly with policyholders. An unreasonable denial, delay, or lowball offer can give rise to a bad-faith claim beyond the policy benefit itself. These disputes often arise with property, wildfire, and business interruption claims.

What we handle

  • Denied insurance claims
  • Underpaid or lowball settlements
  • Unreasonable claim delays
  • Bad-faith claim handling
  • Property and wildfire coverage disputes
  • Business interruption claims

FAQ

Insurance Law — Common Questions

My insurer denied a claim I believe is valid. What now?
Start by reviewing the policy and the insurer's stated reasons against what the coverage actually requires. An unreasonable denial may support both a coverage dispute and a bad-faith claim under California law. We can evaluate whether the denial holds up and pursue the benefit you are owed.
What is insurance bad faith?
Bad faith generally refers to an insurer's unreasonable handling of a claim, such as an unjustified denial, delay, or lowball offer, in violation of its duty to deal fairly. It can expose the insurer to liability beyond the policy benefit itself. Whether it applies depends on the insurer's conduct and the facts.
Do I have to accept the insurer's settlement offer?
No. An initial offer reflects the insurer's position, not the final word, and you can dispute an amount you believe is too low. A careful policy reading and documentation are what move the number. We build that case on your behalf.
How long do I have to dispute an insurance decision?
Policies and California law set deadlines for disputing a claim or filing suit, and they vary by claim type and policy language. Some wildfire-related timeframes have been extended by statute. Because these rules are detailed, it is best to confirm your deadline early.

Free, Confidential Consultation

Talk to a Krankemann attorney about your business & construction law matter.

A free, confidential consultation costs nothing and tells you exactly where you stand.

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