When a storm damages your property, you expect your insurance to help you recover. But many policyholders face denial or underpayment. Knowing your rights after a storm can help you challenge unfair insurance practices.
Why Do Insurance Companies Deny Storm Claims?
Insurance companies often cite these reasons:
- Claim filed late
- Alleged pre-existing damage
- Insufficient documentation
- Policy exclusions
Sometimes, these reasons lack merit. Insurers may use them to reduce payouts.
What Should You Do After Your Claim Is Denied?
- Request a Written Explanation Demand a detailed denial letter. Texas law requires insurers to provide reasons.
- Review Your Policy Check what your policy covers. Look for wind, hail, or flood provisions.
- Document the Damage Take photos, videos, and collect repair estimates.
- Get a Second Opinion Independent adjusters can offer fair assessments.
- Consult an Attorney A lawyer can identify bad faith practices and negotiate or litigate on your behalf.
Can You Sue Your Insurance Company in Texas?
Yes. If your insurer acts in bad faith or violates the Texas Insurance Code, you may sue. Damages may include:
- Actual repair costs
- Legal fees
- Penalties for delay
How Do You Prove Bad Faith?
You must show the insurer:
- Misrepresented facts
- Failed to investigate promptly
- Offered far less than a fair amount
Strong documentation and expert reports strengthen your case.
How Long Do You Have to File a Lawsuit?
In Texas, the statute of limitations is generally two years from the denial date. Act quickly to preserve your claim.
Protect Yourself After the Storm
- Save all correspondence
- Keep a log of calls and emails
- Follow up in writing
Next Steps if You’re Facing a Denied Claim
Don’t let your insurer dictate the outcome. The Woodlands Law Firm can help you fight back and get what you deserve.
Schedule a free consultation today at https://woodlands.law/schedule or call (832) 626-0116.
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