A claim against an insurance company generally speaking, will involve at least two distinct claims. One for a breach of the insurance contract and a second claim for the insurance company acting in “bad faith” in their handling of the claim. This issue was discussed in a 2022 opinion from the Northern District of Texas, Dallas Division. The case is styled, Claire Garcia v. Allstate Vehicle and Property Insurance Company.
Allstate had filed a Motion to Sever and Abate the contract claim from the bad faith claims alleged to be violations of the Texas Insurance Code, Sections 541.060 and 542.060, plus violations of the Texas Deceptive Trade Practices Act and fraud.
Garcia experienced hail damage to her home and filed a claim for coverage through her home insurer, Allstate. Allstate sent an adjuster to Garcia’s home who calculated an estimate of $843.68. Later, another agent calculated an estimate of $1,166.84. After applying deductibles, Garcia was not receiving any monies for the claim.