Bad Faith Insurance Attorney

Get Help When Your Insurance Claim Is Not Fair

If you paid your premiums on time and now your insurance company is delaying, denying, or lowballing your claim, it can feel like you are completely on your own. Property damage from a storm or fire is stressful enough. Fighting with an insurer on top of that can be overwhelming.

We get how frustrating this is. At Holbrook Leavitt & Associates PLLC, we help homeowners and property owners in the Broken Arrow area and across Oklahoma when their insurance company is not treating them fairly. Our team focuses on bad faith insurance and property damage claims, so we spend our days dealing with the same kinds of problems you are dealing with right now.

We offer a free initial consultation and work on a contingency basis, so you do not pay us upfront. You can meet with us virtually or in person, and we work to keep the process as simple as possible while we review what has happened with your claim and talk through your options.

Call (918) 992-2330 to schedule a free consultation and speak with a Broken Arrow insurance claims attorney about what may be happening with your claim.

How We Help Policyholders Fight Back

When you reach out to us, it is usually because something has gone wrong with your claim. Maybe the insurance company denied coverage that you were counting on to fix your roof. Maybe they keep “reviewing” your file but never send a real answer. Maybe they offered a small fraction of what contractors in the Broken Arrow area are quoting for repairs.

In situations like this, our role is to dig into the details as an insurance claims attorney service. We look at your policy, the damage to your home or other property, and the letters and emails you have received from the company. We compare what you were promised on paper with how the insurer has actually handled your claim in practice.

Throughout that process, our goal is to keep you informed and involved. Clients work directly with our team and are known by name, not by a claim number. We answer questions in plain language, and we let you know what we are seeing as we review your file so you are not left in the dark while we work.

Cost is usually a big worry. We work on a contingency basis, so our payment is tied to the outcome. You do not pay us upfront, which can be important if you are already facing repair bills, temporary housing, or lost rental income. Your first consultation is free, so you can talk with a bad faith attorney about what is going on before committing to anything.

What Bad Faith Insurance Looks Like

Most people are not sure where the line is between a frustrating claim and bad faith insurance. Companies are allowed to investigate claims and ask questions. Problems start when they stop acting reasonably and start using delays or excuses to avoid paying valid claims.

Bad faith generally relates to how an insurer treats its own policyholder. For example, if your home in the Broken Arrow area suffers hail or tornado damage and the company ignores clear evidence, refuses to explain a denial, or keeps changing its reasons, these can be warning signs. A simple mistake that is corrected quickly is one thing. A pattern of unfair treatment is something else entirely.

Homeowners and property owners often tell us they felt something was wrong long before they called. They noticed shifting explanations or a sudden change in tone once the company realized how large the loss might be. They might also see the company rely on a very narrow reading of the policy that does not match how coverage was sold to them.

Common red flags that may point to bad faith behavior include:

• Unreasonable delays in responding to your claim or paying clear parts of your loss
• Denying your claim without a clear, written explanation tied to specific policy language
• Requesting the same records repeatedly without moving your claim forward
• Offering a very low payment without any basis in contractor estimates or repair costs
• Suddenly changing the reason for denial after you challenge their first explanation
• Ignoring evidence you provide about the cause or extent of your property damage

If you recognize some of these patterns, it may be time to talk with a bad faith lawyer about what is happening. We can review the communication history and help you understand whether the company’s behavior could be considered bad faith under Oklahoma law.

Steps To Take When Your Claim Stalls

When your claim seems stuck or unfair, it can be tempting to give up or accept whatever the company is offering. Taking a few organized steps can help protect your rights and make it easier for our team to understand what has happened if you decide to contact us.

Start by pulling together your policy and any information you have about your coverage. For many homeowners in and around Broken Arrow, this includes declarations pages that show your limits, deductibles, and endorsements. It also helps to gather contractor estimates, photos, and any notes you made after the storm, fire, or flood.

Helpful steps to protect yourself and your insurance claim include:

• Collecting your full policy, declarations, and any changes the company sent over time
• Saving letters, emails, and notes from phone calls with adjusters or claim handlers
• Taking and safely storing photos or videos of all visible damage to your property
• Getting written estimates from contractors who actually work in your area
• Avoiding quick settlements or releases before you understand what is being given up
• Writing down a timeline of what happened from the loss through each contact with the insurer

Once you have basic information gathered, speaking with a bad faith insurance attorney can help you decide what comes next. We can walk through the timeline with you, explain how similar disputes are often handled in Oklahoma, and talk about whether we can assist with your claim. Even if you are not sure you want to take legal action, getting this perspective early can help you avoid missteps that might hurt your position later.

Why Work With Our Insurance Claims Team

There are plenty of law firms that handle a wide variety of matters. Our firm is built around standing up for policyholders when claims related to property damage go wrong. If you live in or around Broken Arrow, you know how common wind, hail, and tornado losses are. Our focus is on helping people in exactly those situations when the insurance company does not follow through.

One of the biggest advantages we offer is how we handle fees. We work on contingency, which means you do not pay us upfront. This can be a major relief when you are already dealing with roof tarps, water damage, or fire repairs. Our goal is to align our incentives with yours by tying our payment to the success of your case.

We also try to meet you where you are, both literally and figuratively. Because we are based in Tulsa, it is easy for clients from the Broken Arrow area to meet with us in person. At the same time, we know that property damage can make travel a hassle, so we are happy to meet virtually if that works better for you or your family.

From the first call, we strive to provide steady communication. Our team keeps you updated as we review documents, communicate with the insurer, and move your matter forward. Clients work with real people who know them by name and understand the story behind the claim, not just the file number. We also believe every claim represents years of hard work paying premiums, so we do not treat smaller property claims as unimportant.

Our Process For Oklahoma Insurance Claims

Many people hesitate to contact an insurance claims lawyer because they are not sure what will actually happen after they reach out. We try to keep the process clear and predictable so you know what to expect at each step.

It usually starts with a free consultation. During that conversation, we listen while you explain what happened to your property and how the insurance company has responded so far. You can share your policy, letters, photos, and notes, either in person or through a secure virtual meeting, whichever is easier for you.

If we both decide to move forward, our team then reviews your policy in detail along with the claim file and correspondence. We look at how the insurer handled the investigation, whether they requested reasonable information, and how their decisions compare to what your coverage appears to provide. We may also talk with you about additional information that could help fill any gaps.

Throughout the process, we work to keep you informed. We let you know when we have sent letters, when we receive responses, and what those responses mean in practical terms. Our goal is to guide you from start to finish so you are not left wondering what is happening behind the scenes. If you are dealing with an ongoing problem with your insurer right now, you can reach out to schedule your free consultation and talk with an insurance claims attorney about your options.

Frequently Asked Questions

How do I know if my insurer acted in bad faith?

You might be dealing with bad faith if the company ignores clear evidence, delays without reason, or keeps changing its story. The best way to know is to have someone review your policy, timeline, and correspondence. We can walk through the details and talk about possible next steps.

What will it cost to hire your team?

We work on a contingency basis, so you do not pay us upfront. Our payment typically comes from money we recover, if we are able to recover anything at all. Your initial consultation is free, which allows you to understand your options before deciding how to proceed.

Is my claim too small for a bad faith case?

We do not believe any valid claim is automatically too small to matter. We know every premium payment represents real work and sacrifice. During your free consultation, we can look at the size of the loss, the company’s conduct, and whether it makes sense for us to get involved.

Do I need to live near Tulsa or Broken Arrow?

No. We help policyholders across Oklahoma. Being close to the Broken Arrow and Tulsa area makes in person meetings easy for many clients, but we also meet virtually with people throughout the state. If you have phone or internet access, we can usually find a way to connect.

What should I have ready before our first call?

It helps to have your policy, any letters or emails from the insurer, photos of damage, and any repair estimates you already collected. If you do not have everything, that is okay. We can still talk through your situation and suggest what to gather next to better review your claim.

Talk With Our Team About Your Insurance Claim

If your property claim has been denied, delayed, or underpaid, you do not have to handle it alone. A conversation with our team can help you understand whether your insurer’s behavior is typical or whether it may cross the line into bad faith.

When you contact us, you get a free initial consultation, the option to meet virtually or in person, and a team that works on contingency rather than charging you upfront. Our goal is to provide clear guidance, steady communication, and support while you deal with the damage and your insurance dispute. To get started, call our office and tell us what has been happening with your claim.