- 678-813-1900
When you purchase homeowners’ insurance, you enter into a contract built on trust. You pay your premiums. You uphold your responsibilities. And when a disaster strikes, fire, water damage, storm loss, or theft, you expect your insurance company to honor its end of the agreement.
Unfortunately, many property owners quickly discover that insurers are not always eager to pay what a claim is truly worth. Sometimes the delay, denial, or underpayment isn’t just unfair, it’s bad faith.
At Baxter Law Firm, we protect policyholders from abusive insurance practices. If your insurance company is acting in bad faith, we step in immediately to enforce your rights, hold the carrier accountable, and fight for the full compensation you are owed.
Insurance companies are legally required to treat you fairly, investigate promptly, and handle your claim with honesty and transparency. When they deliberately fail to do so, they may be acting in bad faith.
A bad faith insurance claim arises when the insurance company does not uphold its legal duty to:
Bad faith conduct is more than a simple mistake or misunderstanding. It involves intentional, negligent, or reckless behavior that harms the insured and violates Georgia’s insurance laws.
Your insurance company ignores your emails, fails to schedule inspections, or constantly asks for documents you’ve already provided. Delay benefits the insurer not you.
The adjuster’s numbers don’t come close to covering the cost to repair your home. Key damages are omitted, materials are downgraded, or labor is undervalued.
You receive a vague or unjustified denial letter or worse, no explanation at all.
The insurer refuses to open walls, ignores secondary damage, or relies on incomplete reports to minimize the scope of repairs.
Insurance policies can be complex and full of jargon. We will break down the terms of your policy, providing clear, actionable advice on how to proceed with your claim for the best possible outcome.
Insurers sometimes push contractors who work in the carrier’s favor, not yours. This can compromise the quality of repairs and limit what the insurer has to pay.
Contents are depreciated unfairly, or ALE (Additional Living Expenses) is cut short without justification.
Georgia law requires carriers to respond within specific timeframes but many violate these deadlines routinely.
If you’ve experienced any of these, your insurance company may be acting in bad faith.
Georgia protects policyholders through O.C.G.A. § 33-4-6, which allows insureds to recover:
But to enforce these rights, you need a law firm that understands how to document bad faith, apply the correct legal standards, and pressure the insurance company to do what they should have done from the beginning.
That’s where we come in.
We’ve built a reputation for aggressive representation, strategic case development, and comprehensive claim management. Our team, including attorneys, claim analysts, and an experienced insurance expert, works together to strengthen your case from the moment you hire us.
Once retained, all communication goes through us. No more dealing with adjusters who ignore your calls or misrepresent your loss.
We review every denial, estimate, photo, vendor invoice, and timeline. We identify delays, inconsistencies, and violations of Georgia law.
With the assistance of our in-house public adjuster and third-party experts, we ensure the full scope of damage is documented not just what the carrier chose to see.
Insurance carriers often bank on homeowners not knowing their rights. We show the carrier exactly where they breached the contract or acted in bad faith and demand correction.
If the carrier refuses to do the right thing, we don’t hesitate. We pursue:
Demand for full payment
Proof of loss enforcement
Appraisal (when appropriate)
Pre-suit negotiation
Litigation for breach of contract and bad faith
Bad faith isn’t just about your damage being paid it’s about the insurance company being held accountable for violating the law.
678-813-1900
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