The principals of Skipton claims management are not attorneys, and we are not rendering legal advice in the content below. That said, we have extensive experience in 1st party property claims adjustment. Below is a synopsis of keys to insurance claims processing  in Arizona.

Arizona Revised Statute 20-461. Unfair claim settlement practices

A person shall not commit or perform with such a frequency to indicate as a general business practice any of the following:

  1. Misrepresenting pertinent facts or insurance policy provisions relating to coverages at issue.
  2. Failing to acknowledge and act reasonably and promptly upon communications with respect to claims arising under an insurance policy.
  3. Failing to adopt and implement reasonable standards for the prompt investigation of claims arising under an insurance policy.
  4. Refusing to pay claims without conducting a reasonable investigation based upon all available information.
  5. Failing to affirm or deny coverage of claims within a reasonable time after proof of loss statements have been completed.
  6. Not attempting in good faith to effectuate prompt, fair and equitable settlements of claims in which liability has become reasonably clear.
  7. As a property or casualty insurer, failing to recognize a valid assignment of a claim. The property or casualty insurer shall have the rights consistent with the provisions of its insurance policy to receive notice of loss or claim and to all defenses it may have to the loss or claim, but not otherwise to restrict an assignment of a loss or claim after a loss has occurred.
  8. Compelling insureds to institute litigation to recover amounts due under an insurance policy by offering substantially less than the amounts ultimately recovered in actions brought by the insureds.
  9. Attempting to settle a claim for less than the amount to which a reasonable person would have believed he was entitled by reference to written or printed advertising material accompanying or made part of an application.
  10. Attempting to settle claims on the basis of an application which was altered without notice to, or knowledge or consent of, the insured.
  11. Making claims payments to insureds or beneficiaries not accompanied by a statement setting forth the coverage under which the payments are being made.
  12. Making known to insureds or claimants a policy of appealing from arbitration awards in favor of insureds or claimants for the purpose of compelling them to accept settlements or compromises less than the amount awarded in arbitration.
  13. Delaying the investigation or payment of claims by requiring an insured, a claimant or the physician of either to submit a preliminary claim report and then requiring the subsequent submission of formal proof of loss forms, both of which submissions contain substantially the same information.
  14. Failing to promptly settle claims if liability has become reasonably clear under one portion of the insurance policy coverage in order to influence settlements under other portions of the insurance policy coverage.
  15. Failing to promptly provide a reasonable explanation of the basis in the insurance policy relative to the facts or applicable law for denial of a claim or for the offer of a compromise settlement.For the full statute