Bad-faith insurance cases are considered tort claims. That means the plaintiff—the party bringing the lawsuit—can recover actual or contract damages or the amount of benefits due under the policy or contract. If your insurance policy should have paid you $10,000 to repair a storm-damaged roof, then you can recover $10,000 for the roof damage.
We can answer these types of questions at Leverty & Associates Law Chartered. Rather than make a claim under the wrong policy, consult with one of our property claim attorneys to ensure that you make the correct claim from the start.