Texas Bad Faith Insurance Claims
Helping Homeowners Understand Their Legal Options When Insurance Companies Deny or Delay Payment
When you pay for property insurance, you expect your insurance company to do its part when your home or business is damaged. However, Texas property owners often find that the insurance company is more concerned about protecting its profits than paying legitimate claims. Insurance companies have a legal duty to process claims promptly and be honest and fair in interactions with property owners. If they do not, they could be held accountable through a bad-faith lawsuit.
At Stormlex Law Group, we have built our reputation on helping policyholders fight insurance companies that use bad faith practices to deny or delay claims. If you’re dealing with a provider who is stalling for time or has denied your claim, you need to take action quickly. Call our office today at (877) 890-6372, we’re dedicated to helping our clients get the maximum amount of compensation when they have to file a bad faith lawsuit. We can help you determine the full scope of your damages and whether your insurance company’s conduct may qualify for additional punitive damages. Many of these cases are settled out of court, and our attorneys are prepared to negotiate with the insurance company on your behalf to obtain a fair settlement. If that’s not possible, we’ll present your case in court and fight for your rights as a policyholder.
What Should You Do If You Believe Your Insurance Company Is Avoiding Payment?
If you’re struggling to get a clear answer from your insurance company, haven’t heard from them in several weeks, or they’ve denied your claim, you could be dealing with a larger issue. These are potential signs of an insurance company engaging in bad faith practices, and the sooner you act, the better your chances are of a positive outcome. The following steps can help you successfully navigate bad faith insurance disputes.
Understand Your Policy Coverage
The first step is to arm yourself with information, and this comes from carefully reviewing your policy documents. It’s not uncommon for homeowners to misunderstand what their policies cover, whether that’s from it being years since they reviewed the documents or the insurance company intentionally misrepresenting the coverage. Policies often include pages and pages of legal jargon and fine print, so it can be helpful to review your policy upon each renewal period.
Document All Communication
Thorough documentation is key to proving your case if you need to file a bad faith lawsuit. Always keep any emails or letters from the insurance company regarding your claim, as well as copies of any paperwork you send them. If you speak to an insurance adjuster on the phone, write down the date, time, name of the person you talked to, and any notes on the conversation. This can help you find a pattern of behavior that could indicate bad faith practices and can be helpful for your attorney if the case goes to trial.
Seek Legal Representation
Insurance companies have a great deal of money and their in-house legal teams, and you need dedicated legal representation when you’re going up against them. An attorney who has experience with these types of claims and bad faith lawsuits can outline all of your options and help you decide on the right path forward.
What Kind of Bad Faith Insurance Claims Can Stormlex Law Group Help With?
At Stormlex Law Group, our attorneys have extensive experience helping clients throughout Texas successfully file and win bad faith insurance claims. We have a deep understanding of Texas insurance laws and know how insurance companies work when they’re trying to deny or delay a claim. Some of the insurance claims we work on include:
- Fire damage claims
- Water damage claims
- Hail damage claims
- Roof damage claims
- Tornado damage claims
- Storm damage claims
- Wind damage claims
- Hurricane damage claims
- Flood damage claims
- Business interruption claims
If you’ve submitted a claim to your insurance company and the provider is trying to avoid payment, call Stormlex Law Group today. Our attorneys will talk with you about your claim and what you’ve tried so far. If possible, we will try to resolve the situation through appeals, challenges, or negotiations with the insurance company. But if a bad-faith lawsuit is required to get you a fair settlement, we’re ready to argue your case at trial. Call (877) 890-6372 to schedule a consultation as soon as possible.