Houston Insurance Claim Lawyer

When you cannot open due to a covered loss, business interruption insurance helps cover your revenue and operating expenses. But your insurance company could challenge almost any aspect of your insurance claim from your business records to the loss itself.

Insurers must handle all claims in good faith. An insurer acts in bad faith when it fails to perform its duties under the policy. A common form of bad faith happens when an insurer denies a claim without investigating it.

Property damage coverage can cover business or residential properties. When you file a property damage claim, your insurance company may undervalue the repair or replacement cost. It may even deny that the damage occurred as you described it.

Homeowners insurance covers your home and its contents. If your home gets damaged in a manner covered by your insurance policy, the insurance company will pay to repair or replace it. Disputes can arise over the value of the loss.

Commercial property insurance provides coverage for your business buildings and equipment. Insurers often bundle this coverage with business interruption coverage. When you file a claim, your insurance company may dispute how and when the damage occurred.

Most property policies cover fire damage. They also cover smoke damage and water damage due to sprinkler systems and fire hoses. Insurers may try to escape liability by claiming the fire was set intentionally.

Wind damage is included in many property policies. But in parts of Texas, it may be excluded due to the availability of hurricane insurance, and the insurance company might claim that you had the wrong coverage for wind damage.

Water damage covered by property insurance must come from inside your home or business, like from a broken pipe. Your insurance company may deny your water damage claim by saying that the damage came from a flood or storm surge.

Flood insurance covers damage from flooding and storm surges. But it does not cover damage covered by other insurance claims like hurricane coverage or property insurance. Your insurer could deny your claim by arguing that the flood was not covered.

Property insurance usually covers hail damage. But insurers may use loopholes that allow them to escape liability if the hail came from a windstorm. The insurer might even claim that you didn’t suffer hail damage, only normal wear and tear.

Insurers often sell collision and comprehensive insurance as providing complete coverage. But after car accidents, insurance companies seek ways to deny coverage. They may claim that the loss was not covered or dispute the value of the loss.

Depending on where you live, damage from hurricanes and tornadoes may be covered by your property insurance. But in other areas, you need a hurricane or "windstorm" policy. Insurers use this complication to avoid paying hurricane and tornado claims.

If you’ve had a life insurance claim that has been delayed, denied, or disputed by the insurance company, we can evaluate your case and help you fight for the benefits you may be owed.