Several mishaps can cause emotional distress. Watching your house burn to the ground can be traumatizing. Homeowners in Memphis, TN may spend thousands on therapy sessions. Will homeowners’ insurance help cover the costs?

Homeowners’ Insurance and Emotional Distress

Generally, homeowners’ insurance does not compensate people for emotional distress. This includes emotional trauma from natural disasters or a burglary. Emotional damage is not included in insurance policies for natural disasters, property damage, or similar events.

It’s always important to verify what’s covered with your insurance provider. Most providers don’t include emotional distress coverage, but it never hurts to ask. Contact an agent at Tackett Insurance Inc. to double-check.

When Insurance Companies Cause Distress

Homeowners can legally sue an insurance company for emotional distress if the company acted in bad faith and caused emotional harm. Insurance companies are legally required to handle every case honestly and process claims fairly. Unjustly denying claims is a valid reason to sue for emotional distress.

Cause of Emotional Distress

Whether you can receive compensation depends on the cause of the emotional distress. Emotional distress caused by a covered peril, like a fire or flood, is not covered, and you cannot sue the insurance company for compensation.

If the insurance company is the reason you’re stressed or suffered emotional damage, you can work with a lawyer to sue them. A lawyer can help you determine if you have a qualifying reason to file a lawsuit.

On the other hand, you can also work with a professional at Tackett Insurance Inc. Compassionate agents will do everything they can to help you during your traumatic situation. Contact us to learn more about our coverage options today. We’re currently serving the Memphis, TN area.