Insurance Law

When you file an insurance claim, you expect your insurance company to treat you fairly and honor its obligations. Unfortunately, many policyholders discover that their insurer delays, underpays, or wrongfully denies valid claims. Our firm represents people across Washington who have been treated unfairly by their insurance company under a variety of policies, including:

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• Homeowner insurance claims

• Commercial insurance claims

• Theft claims

• Fire and water damage claims

• Uninsured/Underinsured Motorist (UM/UIM) claims

• Personal Injury Protection (PIP) claims

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Our insurance bad faith attorneys help clients navigate first-party insurance claims after a loss and, when necessary, litigate against insurance companies that violate Washington’s consumer protection and insurance laws.

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When Insurers Act Wrongfully

Insurance companies have a legal duty of good faith and fair dealing—meaning they must handle every claim honestly and reasonably. When they fail to do so, they commit “bad faith.”

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Common examples of unfair insurance claim handling include:

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• Failing to investigate a claim properly or promptly

• Wrongfully denying coverage or benefits

• Unreasonable delays or underpayments

• Refusing to negotiate in good faith

• Failing to settle within policy limits

• Failing to defend a policyholder in a covered lawsuit

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These actions can violate Washington’s Insurance Fair Conduct Act (RCW 48.30.015) and Consumer Protection Act (RCW 19.86 et seq.), as well as the insurer’s contractual and legal obligations.

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How the Law Protects You

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Washington’s insurance laws are designed to protect policyholders and hold insurers accountable for bad faith conduct. If your insurance company violates these laws, you may be entitled to:

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• Full payment of policy benefits

• Attorney’s fees and legal costs

• Compensation for additional harm caused by the insurer’s misconduct

• Treble damages (triple damages) as a penalty in serious cases

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Our insurance claim dispute lawyers have experience handling these cases in both state and federal court, including claims for breach of contract, bad faith, negligence of the adjuster, and violations of consumer protection laws.

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Why You Should Act Quickly

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If you believe your insurance company has treated you unfairly, it’s important to seek legal counsel as soon as possible. Insurance policies often contain short deadlines for taking legal action after a loss, and waiting too long can affect your ability to recover what you’re owed.

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Located in Everett, we serve clients statewide in Washington and have the experience to take your matter to trial if the insurance company or defendant won’t settle.