To get the most out of your insurance claim, it's important to understand the Texas insurance claim process. Remember these 5 steps to ensure your Texas property insurance claim is going according to plan.
Property Insurance Claims
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Property Insurance Claims
Don't Settle for Denied or Underpaid Insurance Claims
If your home or commercial property has been affected by weather, theft, fire, or vandalism, your insurance company is supposed to help you pay for the damages. If your insurance claim has gone unpaid or underpaid, you have rights. Protect your property and get the repairs you need by working with the experienced insurance attorneys at The Lane Law Firm.
You don't have to accept a denied insurance claim in Texas!
Hurricanes, thunderstorms, tornadoes, hail, and high winds are all common occurrences here in Texas, and all can cause considerable damage to residential and commercial property. Too often, we hear of insurance companies refusing to pay for repairs. Even though property owners do their part by paying for the right insurance, their claims after a storm can be delayed, undervalued, or even denied.
Our experienced insurance claims attorneys know Texas homeowners insurance claim laws and are fully prepared to handle all types of insurance claims, including:
And many others. We provide experienced representation for our clients. Whether you're facing an underpaid Texas roof insurance claim or a flat-out denied vandalism claim, we're here to support you with no out-of-pocket expense.
No Win, No Fee Guarantee
The Lane Law Firm is proud to assist our clients with property insurance claims on a contingent fee basis. If we are unable to obtain a recovery for your insurance claim, or if the amount we recover does not exceed the amount of costs and expenses, then we do not take any fees. Zero out-of-pocket cost to you means zero risk. Schedule your consultation today!
Property Insurance Claims
5 Step Texas Insurance Claim Process
1. File a Claim
As soon as you are aware of property damage, file a claim. Swift action helps ensure you get a favorable response.
2. Meet the Adjuster
Make sure you are present when the insurance adjuster comes to inspect your property. Answer their questions and point out the damage, but don't volunteer too much information.
3. Keep the Receipts
Keep careful records of all communication between you, your insurance adjuster, and your insurance company. Record the dates, times, and names of everyone you speak to.
4. Watch the Calendar & Follow Up
Texas Insurance Codes states that the insurer has 15 days to approve or deny your claim. From there, they have 5 days to make payment. If they deny your claim, they must give you a written statement to explain their decision. Be sure to follow up with your claims adjuster to make sure your insurance company is on track to resolve your claim. Learn more about the Texas insurance claim timeline here.
5. Don't Settle
Insurance companies are in the business of making money. They want to minimize your claim. Don't let them. Read your policy and negotiate for your rights under your policy. If you know your insurance agency is underpaying your claim, get help from an experienced insurance claims defense attorney in your area.
Property Insurance Claims
Our Property Insurance Claim Practice Areas
The Lane Law Firm has been representing property owners in insurance claim disputes since 2009. We have the team and the experience to tackle any property insurance claim you may be dealing with, but our most common practice areas include:
Hail damage is a common issue for Texas property owners, leading to delayed, denied, or underpaid insurance claims. Last year, Texas led the nation with 688 major hail events, impacting over 1.5 million properties. TLLF can help property owners receive fair compensation for their hail damage claims. With a proven track record and experienced attorneys, we ensure clients receive the compensation they deserve. Contact us today for a consultation.
Fire Damage & Smoke Damage
The loss associated with fire damage claims and smoke damage claims are devastating. While fire claims are rare, accounting for just 22% of homeowner and renter insurance claims, the amount lost per claim far exceeds all other types of claims. What's more, because many of these instances displace residents, there are additional fees, beyond just the cost of damage, that your insurance company should repay. If you're having trouble securing coverage for Additional Living Expenses, or any damage caused by a fire in your home or property, The Lane Law Firm's team of experienced insurance defense attorneys is here to help.
Has your vandalism or theft claim been delayed, denied, or underpaid? The Lane Law Firm has helped hundreds of property owners resolve their claims and we want to help you too! According to FBI statistics, a theft or burglary occurs every 14.6 seconds. When it happens to you, you feel violated. Your only comfort is knowing that your insurance company will compensate you for your loss. However, all-too-often insurance companies try to deny, delay, or underpay claims. The Lane Law Firm is here to support Texas property owners seeking fair coverage.
Tropical storms, hurricanes, and even severe thunderstorms can cause billions of dollars in damages across Texas. While property damage from these severe storms should be obvious, many insurance companies will work to avoid making fair, prompt payouts. If your insurance company unnecessarily or unreasonably delays your windstorm claim or fails to promptly settle for damage incurred by a storm, you have a legal right to enforce your policy. Get help from experienced insurance defense attorneys.
Winter storm Uri showed that Texas is still at risk of freeze claims, despite them being a rare occurrence. Most property insurance policies cover pipe and water damage, but many residents struggle to receive sufficient compensation. If you have been denied a claim for pipe or water damage, don't accept it without a fight. The Lane Law Firm has extensive experience in helping property owners resolve insurance claims, so you can trust that we help ensure that property owners receive full compensation for damages. Contact us today for a consultation.
Tornadoes can cause serious damage to Texas properties, leaving property owners devastated and unsure where to turn. While most insurance companies should cover damage sustained during a tornado, the unfortunate reality is that many will try everything to avoid a fair payout. Let our experienced insurance defense attorneys help you get paid what you're owed.
Property Insurance Claim Reviews
"After Hurricane Ike, my business received a trivial sum above our deductible because the insurance company said the damage to our building was "not that bad." We knew this was wrong because our roof had all over it after the storm. We contacted Mr. Lane, who helped us recover over $1,000,000* more than was originally paid. Mr. Lane and his staff were fantastic!"
"Our house was broken into and we felt like we were violated twice - first by the burglar and second by the insurance company who treated us as though we committed the crime! Many thanks to the whole crew at The Lane Law Firm who fought hard for us to recover every dollar of what was stolen from us. Without you guys we would have lost everything. Thank you, thank you, thank you!"
"Our home got hit pretty hard by a hail storm - you could see little dents all over our shingles. Most of our neighbors got new roofs, but our insurance company said ours just needed to be patched up. Our roofing guy referred us to Ron and The Lane Law Firm. They fought our insurance company and got us a new roof as well as money to fix items we didn't even realize had damage, all without any money out of pocket!"
"Mr. Lane helped to negotiate a settlement for my claim for my homeowners insurance. The favorable outcome is directly attributed to his efforts. I wouldn't hesitate to recommend he & his firm."
WE’RE HERE FOR YOU
Ready to make your insurance company pay?
Don't wait! Insurance companies drag out disputes hoping the property owner will give up or miss the statute of limitations deadline. The insurance dispute attorneys at The Lane Law Firm are here to help you, now. Schedule a free consultation right now or send us a message and tell us about your dispute.