First Party Claims Attorneys in Kansas City, Missouri

A first-party insurance claim is when a policyholder files a claim against their own insurance company. Typically, this claim occurs in the context of your real property like a home or business, such as when your roof is damaged by high winds or a hailstorm.  

When this happens, you would notify your own insurance company of the incident and they would be obligated to pay you fairly for the losses covered under your insurance contract. 
 
The insurance contract itself will outline the duties of both the insured and the insurance company. Typically, the insurance company will send an adjuster out to the property to complete an inspection, conduct interviews, and generally gather information about the claim. 
 
Many insurance companies wrongly deny or undervalue valid claims. If they don't follow the contract terms, it's a breach of contract. Sometimes, it also breaks Missouri or Kansas laws for bad faith. If so, the insured may get extra damages beyond the contract coverage. 

We understand how stressful and overwhelming it can be to deal with all of this, which is why we are dedicated to fighting for our clients and holding insurance companies accountable for their actions. Contact us today to learn more about your rights and options in dealing with insurance companies.

Our experienced team of attorneys at SJP Sifers Jensen Palmer works with clients throughout Kansas City and Springfield, Missouri.  

Understanding Your Rights and Next Steps 

Look for the following to see if you might have a claim as a residential or commercial insurance policyholder: 

• Refusing to Pay Your Claim: There are times when insurance companies refuse to pay or delay payments without reasonable cause. This is known as "bad faith" and can be the basis for a lawsuit. 

• Delaying Payment on Your Claim: If your insurance company is delaying payment on your claim without a valid reason, this could be a sign of bad faith. They are required by law to process and pay valid claims in a timely manner. 

• Failing to Conduct a Proper Investigation: Insurers have a duty to thoroughly investigate claims. If they do not conduct an adequate investigation, it may be considered bad faith. 

• Denying Coverage Without Proper Reason: Insurance companies may deny coverage without a valid reason, which is a violation of the insurance contract. 

• Refusing to Provide Documentation or Policies: Policyholders have a right to see the full terms and conditions of their insurance policy and any documentation related to their claim. If an insurer refuses to provide this information, it may be considered bad faith. 

• Failing to Communicate With You: Insurers have a duty to keep policyholders informed about the status of their claim. If they fail to respond to your inquiries or give you updates, it may be a sign of bad faith. 

• Giving False Reasons for Denial: Insurers may give false or invalid reasons for denying a claim, which is a violation of the insurance contract. 

If you believe an insurance company treated you unfairly or wrongfully denied or underpaid a first-party insurance claim, you need the assistance of a lawyer who understands bad faith claims. Contact us online or by phone to schedule a free consultation today. 

Why Work With Us? 

Choosing SJP Sifers Jensen Palmer means aligning with a team that places a premium on client satisfaction and justice. Our unique approach to handling first-party insurance claims sets us apart, as we combine meticulous legal strategy with personalized attention to each case.  

Personalized attention is key because it ensures that each client's unique circumstances and concerns are fully understood and addressed, leading to more tailored and effective legal solutions. 

Our track record speaks volumes, with countless clients benefiting from our commitment to obtaining rightful compensation. Where others see challenges, we see opportunities to leverage our knowledge for the benefit of our clients. 

Whether through negotiation or litigation, our goal remains uncompromised: to secure the maximum entitlement for our clients under the law. In choosing us, you're not just getting legal representation; you're gaining a powerful ally committed to fighting for your rights and recovery. 

How long do I have to file a first-party insurance claim? 

The time limit to file a first-party insurance claim varies by state and your specific insurance policy terms. Generally, policyholders are encouraged to file as soon as possible after an incident occurs, but deadlines can range from a year to several years. In Missouri, the statute of limitations for filing a first-party insurance claim is typically five years. 

What should I do if my initial claim is denied? 

If your initial claim is denied, review the insurance company's reasons for denial carefully. You have the right to appeal their decision, and this often involves submitting additional documentation or evidence supporting your claim.  

Consulting with a legal professional can help you understand the reasons behind the denial and assist in preparing a comprehensive appeal. 

Can I handle a bad faith insurance claim on my own, or do I need an attorney? 

While you technically can handle a bad faith insurance claim on your own, navigating insurance laws and regulations can be challenging without legal expertise.  

A personal injury attorney with experience in bad faith insurance claims can offer valuable advice, advocate on your behalf, and significantly increase your chances of receiving a favorable outcome. They can also represent you in court if necessary.