You’ve upheld your end of the bargain, making timely insurance payments with the expectation that your provider would support you in times of need. Yet, when you finally file a claim, you’re hit with delays, lowball offers, or outright denial.
If you’re looking for a New Orleans insurance lawyer, you need a firm that knows how to take on the insurance giants and win. The process can feel overwhelming, but you don’t have to face it alone.
Your Insurance Claim Was Denied—Now What?
At Daly & Black, we go to war for policyholders who have been wrongfully denied the benefits they’re owed. Our New Orleans insurance lawyer have a proven track record of making insurance companies honor their obligations—and we don’t back down until you get every dollar you deserve.
Schedule Your Free Consultation Today and let us fight for your rights.
Bad Faith Insurance Practices
Insurance companies position themselves as protectors in times of crisis. But, too often, they prioritize profits over the very people who trust them. Bad faith insurance practices need to be met with an experienced bad faith insurance attorney.
When insurers act dishonestly, the insurance lawyers at Daly & Black P.C. are ready to step in, hold them accountable and ensure you get the payout that rightfully belongs to you.
Here are a few examples of bad faith insurance practices:
- Denying Claims Without Justification: Rejecting claims arbitrarily or without providing a valid reason.
- Delaying Payments: Intentionally prolonging the claims process to wear policyholders down.
- Offering Unreasonably Low Settlements: Attempting to underpay legitimate claims.
- Failing to Investigate Properly: Ignoring key evidence or not conducting a full claim review.
- Misrepresenting Policy Terms: Twisting policy language to justify denials.
Insurance companies count on policyholders giving up, but at Daly & Black, that’s never an option. If you believe your insurer is acting in bad faith, our New Orleans insurance lawyers will stand up to them and hold them accountable.
When You Need an Insurance Lawyer: Common Claim Disputes
Insurance disputes come in many forms, often arising when policyholders need help the most. Whether an insurer refuses to pay, undervalues damages, or wrongfully denies coverage, Daly & Black is prepared to fight back. We handle a wide range of insurance-related cases, including:
Health Insurance Disputes
Health insurers frequently deny claims for necessary medical treatments, using excuses like pre-existing conditions, policy exclusions, or lack of medical necessity. If your insurer refuses to cover critical treatments, surgeries, or medications, our health insurance denial attorneys are poised to challenge their decision and fight for the benefits you’re entitled to.
Life Insurance Claim Disputes
Families depend on life insurance payouts to stay financially stable after losing a loved one. However, insurers often delay or deny claims based on alleged policy lapses, misrepresentation, or cause-of-death disputes. If your family is struggling to recover life insurance benefits, one of our life insurance denial attorneys can help cut through the insurer’s red tape and force a resolution.
Property and Casualty Insurance Disputes
After a disaster, homeowners and business owners expect their insurance to provide relief—yet many find their claims denied or significantly undervalued. Whether it’s storm damage, fire, flooding, theft, or vandalism, insurers routinely misclassify or minimize losses to reduce payouts. The insurance denial attorneys at Daly & Black know how to hold them accountable and push for full coverage.
Fire Insurance Claim Issues
Fire damage claims can lead to complex disputes over coverage limits, cause of fire determinations, or total vs. partial loss payouts. Insurers may argue negligence or pre-existing hazards to avoid full compensation. If your fire insurance claim has been denied or underpaid, we will fight to ensure you receive what you’re owed.
Uninsured and Underinsured Motorist Claims
If you were injured by a driver without sufficient insurance coverage, you might turn to your own uninsured/underinsured motorist (UM/UIM) policy—only to find that your insurer is refusing to pay. We challenge wrongful denials and make sure your policy protects you as intended.
Disability Insurance Claim Denials
Disability insurance is meant to provide financial security when you’re unable to work, but insurers often reject claims based on technicalities, insufficient evidence, or unfair medical reviews. Whether your policy is through an employer or privately purchased, we can help you fight for the benefits you deserve.
Nursing Home and Elder Care Insurance Disputes
Long-term care and nursing home insurance claims can be delayed, undervalued, or wrongfully denied based on arbitrary standards of necessity. If you or a loved one is being denied coverage for assisted living, home health care, or nursing facility expenses, we can take legal action to force insurers to honor their commitments.
Construction Defect and Builder’s Risk Insurance Claims
When defective construction, structural failures, or contractor negligence lead to major property damage, insurers often try to shift blame or use policy loopholes to deny builder’s risk coverage. If you’re facing a construction defect insurance battle, we’ll fight to hold the responsible parties accountable.
Product Defect and Retailer Liability Insurance Disputes
Manufacturers and retailers carry insurance to cover injuries caused by dangerous or defective products, but these policies often come with strict claim requirements that insurers exploit to deny payments. If you’ve been injured by a faulty product, we will challenge insurer denials and pursue full compensation.
We understand the tactics insurers use to avoid paying out legitimate claims.
If your insurance company is refusing to honor your policy, rely on the top New Orleans insurance denial attorneys at Black & Daly to ensure your rights are preserved.
How We Fight Back
At Daly & Black, we know how insurance companies operate—and we use that knowledge against them. Our approach includes:
Immediate Legal Action
We don’t waste time with endless back-and-forths; we push for action by demanding a response and escalating cases quickly when needed.
Thorough Policy Review
We carefully examine every clause in your insurance policy to uncover hidden coverage benefits that insurers might overlook or intentionally ignore.
Comprehensive Claim Investigation
We gather all necessary evidence, including medical reports, property damage assessments, and expert testimony, to strengthen your case.
Strategic Negotiation & Litigation
Our legal team aggressively negotiates with insurers to secure fair settlements. If they refuse to pay what you’re owed, we’re fully prepared to take your case to court.
No Win, No Fee Representation
You don’t pay us unless we win your case, ensuring you have access to legal help without upfront costs.
Louisiana-Specific Insurance Law Expertise
We leverage local laws and regulations that protect policyholders in Louisiana, ensuring insurers comply with all legal obligations.
How Daly & Black Leverages These Laws
- Demand Letters & Statutory Penalties: We use La. R.S. 22:1973 & 22:1892 to put insurers on notice, demanding immediate payment or risk facing steep penalties.
- Litigation Strategy: If insurers stall or underpay, we take them to court under bad faith statutes and unfair trade laws, ensuring clients get every dollar they’re owed.
- Expert Negotiation: We use the Valued Policy Law to prevent lowball offers and maximize recovery.
Louisiana law provides strong policyholder protections, and we make sure insurers feel the full weight of the law when they act in bad faith. Let me know if you need me to break anything down further!
The Daly & Black Difference
At Daly & Black, we don’t just handle insurance denial cases—we redefine how they are fought. We are known for our relentless, aggressive legal strategies that ensure insurance companies pay up when they try to evade their responsibilities.
We Go to War for You
Insurance companies operate on the assumption that policyholders will back down, exhausted by delays, denials, and legal red tape. At Daly & Black, we refuse to let that happen.
We take on insurers with an unwavering, battle-tested approach, ensuring they are held accountable for every obligation they try to dodge. Our clients aren’t left to fight alone—we step in as their fiercest advocates, ready to go all in until justice is served.
A Reputation That Precedes Us
Success in insurance litigation doesn’t just happen—it’s earned through a track record of victories that make companies think twice before trying to shortchange our clients.
Daly & Black has been recognized as Insurance Litigation Firm of the Year, a testament to our dominance in the courtroom and at the negotiation table. When we take on a case, insurers know they’re up against a firm that has built its reputation on delivering results, not empty promises.
Relentless Advocacy, No Exceptions
Many law firms shy away from tough fights, opting for quick settlements that leave money on the table.
That’s not how we operate.
At Daly & Black, we push back against every lowball offer, challenge every bad-faith tactic, and refuse to settle for less than what our clients are owed. We take pride in being the firm that never folds under pressure—because we know what’s at stake for the people we represent.
Deep Louisiana Insurance Law Expertise
Louisiana’s insurance laws are complex, but we know them inside and out. This deep, state-specific knowledge gives our clients an edge, allowing us to exploit every legal advantage available. Whether it’s a bad-faith denial, a severely undervalued claim, or an insurer using loopholes to avoid payment, we have the local expertise to fight back and win.
Insurance companies prioritize profits over policyholders. We prioritize you.
What to Do If Your Claim Was Denied
If you’ve received a denial letter from your insurer, don’t panic. Take these steps:
- Review Your Policy – Check for coverage details and any potential exclusions.
- Request a Written Explanation – Insurers must provide a reason for denial.
- Gather Documentation – Keep records of all communication and claim-related paperwork.
- Call Daly & Black – We’ll review your case for free and tell you exactly how we can help.
Act quickly. Delays could hurt your ability to recover what you’re owed. Contact us today for a free consultation.
Take Action Now – Get the Compensation You Deserve
You paid for coverage, and we make sure you get what you’re owed. Don’t let the insurance company win—fight back with Daly & Black.
Our team is ready to review your case, challenge the denial, and secure the benefits you deserve.
Call now or schedule your FREE case evaluation with a New Orleans insurance lawyer who won’t take “no” for an answer.
FAQ
Q: How do I fight life insurance denial?
Fighting a life insurance denial requires a detailed review of the policy, claim documentation, and the insurer’s reason for denial. Our attorneys assess your case, challenge wrongful denials, and take legal action if necessary.
Q: How do I write an appeal letter for insurance denial?
Your appeal letter should be clear and factual. It should reference your policy, include supporting evidence, and address the insurer’s stated reason for denial. We can assist in crafting a compelling appeal.
Q: What is the most common source of insurance denials?
The most common reason for insurance denials is policy exclusions and misinterpretations by insurers. Other reasons include missing documentation, clerical errors, and bad faith practices.