Insurance companies have an ongoing duty to investigate coverage and evaluate damages so that their policyholders receive full policy benefits promptly. They should hire a sufficient number of competent adjusters and consultants that are motivated to explain the coverage available and get those benefits to the policyholder as quickly as possible. These duties are known as “good faith” obligations. When the insurance company fails to act in good faith, it can be liable for such conduct and those lawsuits are known as “Bad Faith Claims.” If the bad conduct is intentional or extreme, the insurance company can be held liable for punitive damages if the circumstances warrant such an award.