"Insurance Bad Faith" is nothing more than when an insurance company is not treating you fairly. South Carolina law requires insurance adjusters to act in good faith. South Carolina law specifically states:
No person may, in connection with adjusting any claim, loss, or damage under a contract or policy of insurance, misrepresent to an insured, or any other person having an interest in the proceeds payable under the contract or policy the terms, coverage or effect of the contract or policy, for the purpose and with the intent of effecting settlement of the claim, loss, or damage under the contract or policy on less favorable terms than those provided in and contemplated by the contract or policy.
South Carolina Code of Laws § 38-57-70.
If you suspect you are not being treated fairly, have the insurance company document its position and explain in writing why it is not doing what you believe to be fair. This is particularly true if you are dealing with your own insurance company. If the insurance company is denying your claim, the insurance company should explain in writing why it is doing so.
You may wish to consult with an attorney who can explain what you may be entitled to.
You may also wish to consider consulting with the Commissioner for the South Carolina Department of Insurance:
or even filing a complaint: