Disputing denied theft and vandalism claims can feel like a long, drawn-out process for many home and business owners. Is recovering your damages really worth fighting for? The quick answer is yes.
Our skilled legal team at Kirk Law Firm, PLLC understands that insurance companies often come up with a million reasons why they do not want to pay your valid claim. Do not get sucked into this seemingly endless loop. Keep reading to learn more about disputing denied theft and vandalism claims for home and business owners, and contact our attorneys for legal guidance throughout the process.
How to Start a Dispute for a Denied Home or Business Insurance Claim
To dispute a denied theft or vandalism claim in Texas, you should start by thoroughly reviewing your home or business insurance policy and the carrier’s denial letter for specific policy exclusions. Then, gather relevant evidence, such as:
- Police reports
- Photos
- Security footage
- An inventory of stolen items
- Repair estimates
If the dispute is over the value of the loss, gather evidence to prove your damages, such as photos, receipts, estimates, and appraisal reports.
Next, submit a formal, written dispute to your insurer within your policy’s deadline. Include the documentation you gathered that refutes the denial and keep a detailed log of all communications with the adjuster, including phone calls, emails, and meetings. Working with an experienced lawyer from Kirk Law Firm, PLLC can ensure you understand your insurer’s reasons for denial and submit all documentation properly.
How Long Does a Typical Denied Claims Dispute Take?
In Texas, insurance companies have 15 days to acknowledge a claim and usually 15 business days to accept or deny it after receiving all the requested information. If you do not agree with your policyholder’s initial offer, you can request a reinspection and reevaluation. This step of the process can run between 30 and 60 days. However, litigation can last from several months to several years. The process of arguing against a denied theft and vandalism claim can be streamlined with help from a skilled attorney with experience in handling home and business owner claims.
Let Our Home and Business Insurance Attorneys Dispute Your Denied Theft and Vandalism Claim for You
Disputing denied theft and vandalism claims for home and business owners is a complex and often frustrating experience. Unless you are well-versed in the Lone Star state’s insurance regulations and processes, you may spend the next 60-plus days buried in paperwork and phone calls listening to an adjuster’s excuses.
The Texas-based attorneys at Kirk Law Firm, PLLC have extensive experience statewide, and because we focus on property damage insurance claims, you do not have to. So whether you have a commercial or residential case, you should connect with our office as early in the process as possible for the best outcome.
