Significant property damage often costs more than a family can afford to fix. That’s why everyone recommends homeowner’s insurance and why some mortgage providers require it. You might have a tree fall on your roof, an electrical fire, or a burglary. But be prepared for your claim to be met with annoying delays or a confusing denial from your insurer.
If you believe your insurance company wrongly denied or dragging its feet on your claim, call The Law Giant for help. We make sure insurance companies hold up their end of the policy. If their actions were illegal and cost you money, we’ll fight for you to receive compensation.
Homeowner’s insurance covers the cost of repairs or replacement of your home and belongings if they sustain damage under certain circumstances.
Precisely what your homeowner’s insurance covers depends on your specific policy. It could cover:
Don’t expect it to cover everything, though, costly items like art and jewelry. You might need to pay for additional riders to your policy.
Each policy covers specific types of incidents and damage while excluding others. Many policies cover issues from severe storms, fires, theft, and vandalism. But most policies don’t cover damage from earthquakes or floods. You have to buy separate insurance policies for those natural disasters.
If your claim is common or relatively minor in terms of the cost of repairs, insurance usually does what’s right. It’s when you’re facing significant damage that you might experience trouble. Never hesitate to call an insurance lawyer if your insurer isn’t forthcoming with a payout.
Many homeowners in Texas learn the hard way that homeowners’ insurance doesn’t cover many issues. You might make a claim only to have it denied. You’ll need to take a close look at your policy to review what it covers and exclusions. Don’t wait to reach out to a lawyer for help. These policies can be confusing, and you might not trust your insurer’s answers.
Typical homeowner’s insurance policies don’t cover:
*The outcome of any individual case depends on factors unique to that case. Past case results listed on this website do not guarantee or predict a similar result in any similar or future case.
Once you file a claim with your homeowner’s insurance provider, it opens up an investigation. During this time, you have to cooperate with the insurance company. You’ll communicate with an adjuster who will probably be the one to inspect your home. You may need to get one or more estimates for repairs.
The law requires insurers to meet deadlines, including:
The company can extend its 15-day deadline up to 45 days, but it has to tell you it needs more time and why. Your insurer can take up to 60 days to evaluate your claim.
Once the insurer approves your claim, it has five business days to pay you.
As a homeowner, it’s essential to know your rights. Texas has a Consumer Bill Rights that specifically addresses renter’s and homeowners’ rights, though it doesn’t set out every right you have. If you aren’t sure about your rights, always call an attorney experienced with property damage insurance claims.
Your rights include but are not limited to:
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Many homeowners are frustrated after filing a property damage insurance claim. They expect the repairs to be covered by their policy only to receive a letter denying their claim. Did this happen to you? Give us a call. We work with homeowners who have suffered significant property damage and experienced wrongful denials from their insurers. We work to make it right.
Common reasons for insurance claim denials include:
There are several valid reasons why an insurance company can deny a property damage claim. But sometimes, the insurance company is in the wrong. It might have denied your claim unfairly to try and save money. Or, it might not have followed the law concerning the claim process. This type of behavior is known as bad faith.
Examples of bad faith include:
If you think your insurance company did something wrong, call us right away. We’re highly experienced in handling insurance bad faith cases.
We’re here to help when an insurance company doesn’t handle your claim appropriately or wrongfully denies you. At Begum Law Group Injury Lawyers, we know you might not have a habitable home right now, or you might be enduring horrible conditions. Our insurance lawyers want to get you the money you need to repair your home and replace your belongings.
Let us use our skills and experience to get what’s right. Give The Law Giant a call at (866) 523-4167 for a free, no-risk consultation.