Brandes & Yancy

06/23/2026

Filing an insurance claim is never a good experience. So, how do you tell the difference between "bad" and "bad faith?"

Be on the lookout for these five red flags 🚩

1) Excessive paperwork
2) Lowball Offers
3) No communication
4) Decision doesn't match your policy
5) Conflicting messages

More info below ⬇️

Your insurer has a legal duty to deal fairly. Excessive paperwork, lowball offers, and unexplained delays may be signs they're acting in bad faith. Learn the warning signs.

04/29/2026

“If State Farm was my neighbor, I’d move”

You’ve probably seen the headlines about how State Farm has been systematically denying, delaying, and low-balling legitimate claims. Even after all the bad press they’ve received (plus an AG investigation), they haven’t changed their practices. The fact is, the ONLY thing insurers are afraid of are bad faith lawsuits - because they make bad conduct so expensive that they’re forced to change.

04/22/2026

Legitimate claim denials do happen, but what are some warning signs that your insurer might be acting in bad faith?

🚩They bury you in paperwork. You receive constant letters, notices, and requests for additional evidence without any rhyme or reason.

🚩Quick, lowball offers. They offer you settlement almost immediately for much less than you expect. They tell you it’s their “full and final” offer.

🚩Delay -> Deny -> Appeal -> Repeat. You get caught in an endless cycle of delays, appeals, and then silence.

Every situation is different - if you have questions about a potential bad faith claim, contact us -> https://bit.ly/4tluhuQ

04/15/2026

Why do insurers deny claims they know are legitimate? Simple - because they’re doing the math.

Only a small percentage of people that have a claim wrongfully denied will sue them for it - most will give up long before they get to that point. It’s cheaper for them to act badly and hope you won’t hire a lawyer.

If you’ve had a claim denied, don’t give up - if you do, you'll just become part of the math that incentivizes them to keep doing it.

Need help? Reach out -> https://bit.ly/4cr9Ox4

04/01/2026

What are the most important things to do if you have an insurance claim?

✔️Document everything. Make notes of any conversations you have with insurance representatives or adjusters. Take pictures. You can’t recreate evidence later if you need it.

✔️Keep everything they send you. You will receive written communications about your claim - don’t discard anything.

✔️Don’t accept an offer too quickly. You might not have considered long term costs related to injuries you sustain or other factors. Once you accept, that’s all you’ll ever receive.

When in doubt, consult a lawyer - even if it’s just as a sanity check. Adjusters handle claims all day, every day - they’re incentivized to settle claims for less than their true value.