An insurance company may deny or refuse to pay - or sometimes even investigate - a legitimate claim, either in whole or in part, for illegitimate reasons, also known as “bad faith”. If you have paid the premiums due under an insurance policy and complied with other coverage requirements, you are contractually entitled to recoup policy benefits in the event of a covered loss, such as in the event of a fire, flood, accident, death or any number of other occurrences for which you may have obtained insurance. Insurance companies are required to deal fairly and act in good faith towards their insureds, but you should engage competent legal representation to keep from being taken advantage of, or to assure you receive just compensation in case you have.