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A great many non-profit, business owners, and other property owners have policies issued by GuideOne Insurance, which also operates as United Specialty Insurance. While GuideOne is a very large insurer that sells various types of policies, their main focus, according to their marketing, is on what they refer to as “niche markets,” such as churches, faith-based schools (including universities and seminaries), senior living communities, and home health care providers.
Despite their “faith-based” focus, a number of their policyholders sometimes find their coverage lacking when it comes to making claims for property damage caused by natural weather events. Just like most other insurance companies, our experience with GuideOne Insurance is that the company often undervalues commercial property damage insurance claims.
GuideOne operates as a surplus lines insurer, which means that it avoids most regulatory oversight by state departments of insurance. In Texas in particular, GuideOne writes millions of dollars in insurance premiums each year, yet it remains a non-admitted insurer operating outside of the rules applicable to many reputable insurance companies in Texas. Unfortunately, this lack of legal oversight sometimes results in GuideOne skirting its contractual responsibilities to business owners and commercial property owners.
When the damage a commercial property sustains is covered by the insurance policy, all insurance companies – GuideOne included – are required under Texas insurance law to demonstrate a reasonable cause for denying or delaying the payment of that valid claim. If the company delays, underpays, or denies a legitimate claim it knows is valid or does not investigate the claim before delaying, underpaying, or denying, they are engaging in bad faith activity. Oftentimes, insurance companies will also pressure their policyholders to accept low-ball offers, making the claims process so frustrating that property owners accept what little is offered just to end the process.
If your valid business insurance claim has been unfairly denied, disputed, or delayed by GuideOne, leading to a dispute, then the attorneys of Raizner Slania can help you fight for the full amount to which you are entitled. We have the knowledge and courtroom experience to deal with the complex legal issues involved in insurance law, and we have specific experience and familiarity in dealing with GuideOne’s bad faith practices.
Raizner Slania has earned recognition as a team of attorneys who help policyholders fight for their rightful claims against insurance companies that operate in bad faith. We handle all bad faith insurance litigation cases on a contingency fee basis, which means you will not owe us anything unless we help you recover financial damages. If you have a claim pending under your GuideOne business insurance policy, contact Raizner Slania today for a free consultation and real advice about your legal options.