Is it bad faith?
Bad faith comes in many forms. In short, an insurance company cannot:
Wrongfully deny your valid claim.
Offer you an unreasonable, low-ball settlement.
Fail to tell you pertinent information.
Misrepresent the terms of your policy.
Misrepresent the advantages or benefits of your policy.
Alter the terms of your policy.
Fail to properly investigate your claim.
Fail to investigate your claim in a timely manner.
Intentionally avoid you or fail to return calls or emails.
Intentionally stall or delay payment of your valid claim.