How do I dispute a denied home insurance claim in Texas?

Houston, TX – If your insurance claim has been denied in Texas, you have the right to appeal the decision. The insurance adjuster will probably try to convince you the decision is final and there’s nothing he can do for you. He may try to appear sympathetic to your plight, claiming his hands are tied and he cannot help you. He may also suggest that getting a lawyer is pointless, but that’s not exactly true. He’s only telling you not to contact seasoned Houston homeowners insurance claim lawyers because he doesn’t want you to know what your rights are. And, yes, you do have rights and legal remedies at your disposal if your claim was unjustly denied.

Steps you can take to appeal an insurance claim denial in Texas

When you reach out to reliable Texas homeowners insurance claim lawyers don’t forget to bring your insurance policy to the consultation. They will want to see the exact terms to understand what type of perils are covered and what is the claim procedure.

Review the denial letter: The lawyer will carefully review the denial letter from your insurance company to understand the reason for the denial. They are required by law to send you a written denial so make sure to get one. This letter should include information about the specific policy provisions and any exclusions that led to the denial of your claim.

Gather additional information: If you disagree with the insurance company’s decision, your lawyers will help you gather additional information to support your claim. This could include damage assessments from independent contractors, cost estimates, more photos to illustrate the damage to your property, etc.

Contact the insurance company: Let your lawyers contact your insurance company to discuss the denial of your claim. They will explain why their initial decision was incorrect and stress that you intend to take the matter further. Your insurance company may be able to resolve the issue and approve your claim without the need for an appeal.

File an internal appeal: If your claim is still denied after speaking with your insurance company, you may have to file an internal appeal. This involves submitting a written request to the insurance company to have the denial reviewed by another person within the company.

File a lawsuit: If an agreement cannot be reached, you may need to file a lawsuit. In Texas, you typically have two years from the date of the denial to file a lawsuit.

How long does it take to settle an insurance dispute in Texas?

The length of time it takes to settle a home insurance dispute in Texas can vary widely depending on several factors, including the complexity of the case and the willingness of the parties to reach an agreement. On average, it can take anywhere from several weeks to several months to resolve a home insurance dispute through internal appeals or mediation.

If you go to trial, you’re looking at even longer waiting times. Depending on the court’s docket, it may be months before your case is heard. However, most disputes are settled out of court.

If you have problems getting a fair settlement from your insurer, reach out to a trustworthy insurance claim attorney at McClenny, Moseley & Associates, PLLC in Houston. They’ll help get the money you need to fix your house.

Contact info:

McClenny, Moseley & Associates, PLLC

1415 Louisiana St., Suite 2900

Houston, Texas 77002

Toll-Free: 844 662 7552