Bad Faith Insurance questions and answers by state

• Pennsylvania

Bad Faith Insurance questions and answers

• Insurance company sent no adjuster, no mold testing, and ignored contractor estimates for ceiling collapse in bedroom. Do I have a bad faith claim?

  Asked in Bellevue, PA | January 5, 2026

  During below-freezing temps the bedroom ceiling began leaking and then collapsed. The insurance co paid some but denied the remainder by labeling it seepage, despite our contractor being there that day and stating it was not seepage and occurred all at once. No adjuster would come to the property. I requested mold testing but they said no and denied mold coverage, telling me it's my responsibility. Seems improper investigation, bad faith, they label as seepage. I had a contractor there that day. He wrote it was not, but a sudden occurrence. What are my options?

  Answered by 1 attorney