Insurance companies often put profit in front of servicing their policyholders. You have every right to protect your interests and make the insurance company treat you fairly. Fortunately, the Law Giant is here to help and identify when an insurer acts in bad faith. Depending on the insurance company’s actions, you might have a legal claim against it.
The purpose of homeowner’s insurance is to pay for home repairs and replace belongings that were damaged under certain circumstances. What your policy covers, and which circumstances depend on the specific language of the contract.
Many homeowner’s insurance policies cover damage to:
Policies don’t cover some items or limit the amount. More expensive or priceless items, like engagement rings, might need an independent policy or rider.
What caused your property damage matters too. Homeowner’s insurance policies don’t cover every scenario. For example, most cover fires, theft, vandalism, and severe storm damage. But most don’t cover flood or earthquake damage.
Homeowner’s insurance policies often cover damage related to:
These issues can cause severe damage to your home. Despite a clear need for repairs, your insurer might be stalling or difficult. Don’t hesitate to give The Law Giant a call when your insurance company isn’t treating you fairly and paying for the damage.
Homeowner’s insurance policies have many exclusions. As a homeowner, it can be frustrating to realize that when you buy a home, review your coverage, or face unexpected damage.
Many policies won’t cover damage related to:
*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.
Many homeowners don’t realize that insurers have to meet deadlines established by law. These deadlines are just some of your many rights as consumers and insurance policyholders.
After you file a claim, the insurance company has 15 days to:
The insurer will assign an adjuster who will usually inspect your home. During the investigation process, you have to cooperate. But if you think your insurance company is asking for more than it needs, or it’s dragging its feet, talk with a San Antonio insurance attorney.
Once the insurer has everything it needs, it has 15 business days to accept or reject your claim. However, the insurer can extend their deadline up to 45 days if it tells you and give you a reason why.
If your insurer approves your claim, it has five business days to pay you.
Review the Texas Consumer Bills of Rights to learn more about your rights or talk with a San Antonio insurance lawyer if you’re facing a problem.
Your rights during the insurance claims process include:
There are many reasons why an insurance company can deny a claim. Some of the most common reasons for insurance claim denials include:
Receiving a denial letter can be a rude awakening. You’re expecting to receive a payout to get your home repaired or to replace your belongings. Suddenly, the insurance company you’ve been paying tells you no. If you believe the insurance company is wrong, give our San Antonio insurance lawyers a call.
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Despite how it feels, an insurance company can’t do anything it wants. It has to act within many legal boundaries, and above all, treat you fairly. If you suspect that your insurance company isn’t operating above board, give us a call right away. We have years of experience handling insurance claims and know how to spot bad faith when it happens.
If your insurer is guilty of acting in bad faith, you may have a separate legal claim against the company. With the help of a San Antonio bad faith insurance lawyer, you may receive compensation in addition to the value of your original claim.