Denied or Underpaid Insurance Claim

Has a windstorm, hail, or natural disaster affected your home or business? If your claim has gone unpaid or underpaid and you still are in need of repairs you need to take action right away to protect your property and your rights.

If your insurance company is refusing, undervaluing or delaying your insurance claim, or perhaps you have received money but your mortgage company refuses to release your money, an insurance claims lawyer will vigorously advocate on your behalf. You don't have to accept a denied insurance claim in Texas.

Often, insurance companies will push back on a claim, saying it is difficult to determine when the damage occurred, or claim the structure is still intact when it is unusable. Many people don't even realize they have a claim, and that it is still valid a year or two after the storm.

Hurricanes, thunderstorms, tornadoes, hail and high winds can cause considerable damage to residential and commercial property. Sometimes, even though property owners did their part by having insurance and paying premiums on time, claims after a storm can be delayed, undervalued or even denied.

Our experienced insurance claims attorneys are fully prepared to handle all types of insurance claims, such as:

  • Damage from storms: Hurricanes, Tornadoes, Wind, Hail, Flood
  • Roof damage and replacement, including missing or damaged shingles
  • Window leakage, wood frame rotting or other damage
  • Siding damage, including missing, damaged or improperly installed planks
  • Foundation damage
  • Water or fire damage

If you have any kind of loss related to any of the above areas, or simply have a question related to your claim, call us at 877-408-3328 or schedule a no cost, no obligation consultation at a time convenient for you.  

At The Lane Law Firm, we provide representation to clients facing a wide range of insurance claim issues  for residential and commercial properties, all without any out-of-pocket cost to you. We understand the problems and frustrations that a denied or undervalued insurance claim can cause, and we can advocate on your behalf with the insurance company in order to get the funds to which you are entitled.

Don't be a victim twice - fight back with The Lane Law Firm!


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We are pleased to assist clients with select services on a contingent fee basis, meaning that if the firm does not obtain a recovery, or if the amount recovered does not exceed the amount of costs and expenses, then the firm is not entitled to any fees.

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The Lane Law Firm won over $16 Million in a jury verdict against an insurance company over an underpaid/denied claim in Texas

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Texas Homeowners Insurance Policies

Texas homeowners count their homes among their most valuable possessions, if not the most valuable. It is worthwhile to protect this valuable asset, and homeowner's insurance exists for that reason. But not all policies are created equal. Picking the cheapest option will come back to haunt you when you need to file a claim.

Kinds of protection

Texas homeowners' policies offer coverage for damage or loss of several different kinds. The structure itself can be covered for repairs or rebuilding expense. Other structures on the property may be covered, such as a garage, fence or utility building.

Besides the buildings, their contents are protected by personal property insurance. Reimbursement may be available for items that are stolen as well as those destroyed or damaged along with the house or garage.

When a home becomes unlivable, policies can offer loss of use coverage. This pays for living expenses if, for example, a house is extensively damaged in a fire and the owners must stay elsewhere.

Texas homeowners' insurance also can pay personal liability expenses if someone suffers a loss the homeowner is legally responsible for. Insurance covers medical expenses for people injured on the homeowner's property, and may even pay for some other injuries away from the house.

Many of these kinds of protection are optional, so make sure you understand your policy before you need to use it.


Choices in Coverage

The amount of insurance will vary with the amount the homeowner wants to pay and the type of policy. One person might want to pay more for an all-risk or comprehensive policy that offers a broad range of coverage for all kinds of losses. Someone else might prefer to pay less and buy a named perils policy that specifically lists the causes of loss that are covered.

The payment the insurance company promises under its policy might be for the replacement cost of what is lost or damaged, or for an actual case value specified in the policy. The specified cash value might not be enough to make all needed repairs if a home is severely damaged or destroyed, so it is important to be well informed when deciding on this option.

You should be aware that flood damage is not covered under most homeowners' insurance policies, but the federal government offers a plan through The National Flood Insurance Program. To help with the potentially devastating effects of floods, the government plan can provide building or contents coverage, or both.

Building coverage will pay for damage to systems and major components like furnaces, stoves and carpeting. Contents coverage is mainly for personal items.
Resources for help with Texas insurance

There are many tools for comparing insurance policies on the internet including the Office of Public Insurance Counsel,, and

Sometimes an attorney's assistance may be needed in dealing with an insurance company after a loss. It is useful to have an attorney to negotiate with insurers in order to get the best possible level of reimbursement for a loss covered under the policy. Make sure you review on


Making Insurance Works In A Loss

Insurance is designed to provide us with the help we need, when we need it. But sometimes after a claim has been filed, the insurance company may delay, deny or undervalue your claim. They may say damage occurred before the storm, you don't have coverage for that or that your policy only covers a portion of the damage.

Recovering from a setback, like a devastating loss to property caused by fire or other disaster, can be a life defining opportunity. Usually insurance will cover much of the cost of repairs and rebuilding, but the whole process of filing and successfully recovering on an insurance claim can be time-consuming and difficult.


How long it can take

Depending on the loss a homeowner suffered, it can take some time for the insurance company to respond after being notified. After a major storm, it can be difficult to gain access to whole neighborhoods and the claims process will be delayed.

Ordinarily, policies require that after receiving a homeowner's written claim an insurance company must respond within 15 days. The company will ask for documentation of the loss and has another 15 days from receiving the documentation to make its decision whether to pay the claim. Finally, once it approves a claim, an insurance company is required to send payment within five business days.


Ways to move the process along

A homeowner can help by providing excellent documentation to the insurance company. It is helpful to take pictures of damage and to make lists of possessions that have been lost or destroyed. The homeowner is responsible for proving what caused the loss, which may be trivial when a hurricane came through but more complicated when there was a break-in or a kitchen fire, for example. An insurance adjuster will investigate, but the homeowner should be proactive in gathering information and data, possibly hiring an independent expert.

It is important to get accurate estimates about the value of the loss and the cost of repairs. Building contractors will probably be helpful in assessing structural damages.

Coping while getting back to normal

Some homeowner policies have coverage for additional living expenses. When a home is damaged so that no one can live there for a while, this kind of coverage will pay for other housing. Homeowners should clarify the extent of coverage their policy provides. People who have been through the experience suggest being sure to find temporary housing that is adequate for the family size; jamming too many people into small quarters makes an already stressful situation even more stressful.

In order to be adequately reimbursed for additional living expenses, homeowners must diligently keep records. Anything bought because of having to move out of the house for a while-even toothbrushes-should be tracked and documented with receipts.

Families who are trying to get their homes repaired after an accident or disaster need strong allies, and among them may be an attorney who specializes in dealing with insurance companies. An experienced attorney will know how and when to put pressure on an insurance company to ensure the homeowner's rights are protected. Getting back to normal may happen faster with this kind of assistance.

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