Commercial Business Insurance Disputes – Engle Martin
When a policyholder files a claim with their surplus lines insurer, the surplus lines insurer will need to assign the claim to independent claims adjusters and administrators for investigation and resolution. Engle Martin is a claims management company often used by surplus lines insurers such as Lexington Insurance and Lloyds to process property damage disputes. Despite Engle Martin’s trustworthy image, they often grossly underestimate damages, resulting in the denial of insurance claims.
When Engle Martin is hired as the claims management company for a commercial property damage dispute, their investigation is often the sole determining factor in the claim’s outcome. Engle Martin has a duty to effectuate a fair, prompt, and equitable resolution of a claim, but they often fail to do so. Engle Martin sometimes even uses deceptive tactics during the assessment of a claim that severely reduce policyholders’ claims payouts.
Deceptive Tactics Engle Martin Uses to Undervalue Claims Include:
- Claiming the property damage in normal “wear and tear”
- Claiming the property damage was caused by alleged improper maintenance
- Claiming the property damage was caused by a different event than one covered under the Policy
- Claiming the property damage was below the amount of the deductible
- Claiming the property damage doesn’t fall under the terms of the insurance policy
The Texas Insurance Code states that no claim can be denied without conducting a reasonable investigation of the claim and providing a reasonable explanation of the denial. Doing so is a violation of both the Texas Insurance Code and the Texas Deceptive Trade Practices-Consumer Protection Act (DTPA), a state consumer protection law that aims to provide financial relief to consumers who are victims of deceptive, improper, or illegal practices.
Experienced Bad Faith Insurance Claims Attorneys
If you’re needing to file a property damage dispute because of a grossly undervalued or completely denied claim based solely on an Engle Martin investigation, the experienced attorneys at Raizner Slania can help. We’ve helped policyholders across the nation obtain the compensation they rightly deserve. We handle all of our insurance cases on a contingency fee basis, so you don’t owe us anything unless we help you recover compensation. Call us today for a free consultation.