Insurance Litigation and Bad Faith Attorney in Ohio
When Insurance Companies Do Not Play Fair
Holding carriers to their promises
Policyholders pay premiums for protection, not excuses. As an Ohio insurance litigation attorney, E. Ray Critchett, LLC challenges wrongful denials, lowball offers, and unreasonable delays in homeowner, auto, business, and life insurance claims. We read the policy closely, test the stated reasons for denial, and push for timely, full payment.
Types of Insurance Disputes We Handle
From storm losses to UM/UIM claims
We take on bad faith denials, undervalued property damage, fire and water losses, roof claims, uninsured and underinsured motorist disputes, business interruption claims, and life insurance denials based on contested applications or exclusions. Clear documentation and expert input help move stalled claims.
Understanding Insurance Bad Faith in Ohio
What crosses the line
Bad faith occurs when an insurer unreasonably denies benefits, fails to investigate, misrepresents policy terms, or delays payment without cause. Remedies can include the contract benefits and, in serious cases, additional damages for the harm caused by the bad faith conduct. We build the record with claim communications, expert opinions, and policy analysis.
How We Help With Insurance Disputes
Policy analysis, claim strategy, and litigation
Our process starts with a coverage review and a demand that explains why payment is due. If the carrier relies on insurance tactics that are inconsistent with the policy or law, we file suit and pursue discovery. When a claim intersects with personal injury or business litigation, we align the legal strategy so the right party pays.
Frequently Asked Questions – Insurance Claims
Clear direction before you respond to the adjuster
What is insurance bad faith?
It is an insurer’s unreasonable handling of a valid claim, such as failing to investigate, ignoring evidence, or misapplying exclusions.
Can I recover more than policy limits?
In bad faith cases, courts can award damages beyond the policy benefits when the insurer’s conduct causes additional loss.
My claim was denied for a technicality. Should I give up?
No. Exclusions and conditions are often misread. We evaluate whether the denial is supportable and challenge it when it is not.
How long do I have to sue an insurer?
Deadlines vary by policy and claim type. Contact us promptly so we can preserve your rights.
Do Not Take No for an Answer
Level the playing field with experienced counsel
We will review your policy, loss documents, and claim file, then outline next steps. If the matter involves a vehicle crash or a property dispute tied to
construction litigation, we coordinate all claims to increase leverage.
