And be sure they send their notice to the address noted in the policy. If it's an underwritten company, the policy is going to come out of Houston or Jacksonville or Richmond or Santa Ana. That's who needs to respond to the claim.
I am currently a plaintiff in a multimillion dollar bad faith suit against Lawyers Title that has been going on for 18 months. In my case they have clearly committed bad faith and continue to fight to avoid paying damages. The reason title companies do not pay a lot of claims is because I believe they most likely wear down their policy holder through long and expensive litigation. This will not happen in my case but I know why a lot of people give up. It is really draining on your finances, health, personal relationships, business etc... to be involved in litigation. But, in my opinion it is our duty as consumers to perservere when we are wronged by a company who we paid to protect us.
I lost my house almost 2 years ago to foreclosure due to a lien that wasn't cleared. I am a single mother and it's not like I had $35,000 in my back pocket to put out to pay of that lien. The title company seemed to do everything in their power to avoid me. I not only have a foreclosure but now a hefty cancellation of debt tax as well. Before I lost the property an attorney said he couldn't do a thing until I had damages. I then called him back and the same attorney said I should have done something sooner? I don't understand. At this point would I still have any way to sue that title company?
That's really a question I can't answer. You might want to report the entire issue to the Attorney General office or perhaps your state insurance regulator.
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