How long you have to file a property damage claim in Texas depends on how the damage occurred and your policy language. If your property was damaged by a catastrophic weather event or car accident, you may be able to receive compensation through an insurance claim or a lawsuit. However, both options come with strict deadlines that must be followed for you to receive any kind of compensation. Your best bet is to enlist the help of an attorney who can help you navigate that process.
Understanding Your Options for Filing a Claim
The first step after an accident or weather event should always be to contact an attorney who can help identify any deadlines for filing your claim. The reporting deadline can be found within your insurance policy, but the law might provide a different deadline. It is crucial to notify your insurance carrier as soon as you become aware of the damage, because failure to do so could lead to denial of your claim. These deadlines are often fairly short, so it is important to act quickly.
Another important deadline is the statute of limitations, which dictates when you can file suit. In Texas, the statute of limitations generally gives you two years to file a lawsuit against your insurance company for denying or underpaying your property damage claim, and that clock generally begins on the day you receive their claim determination. In regard to an auto accident, you generally have two years from the date of the accident to sue the person that caused the wreck. However, these deadlines may vary, so it is important to consult an attorney.
File Your Property Damage Claim in Texas on Time with a Lawyer’s Help
If you miss the two-year statute of limitations, your right to seek compensation from your insurance company or the person who damaged your property may be lost forever. Similarly, if you fail to notify your insurance carrier of damage within the time limits specified in your policy, you may also lose access to the coverage that you bargained for.
At Kirk Law Firm, we focus on helping you understand your rights after property damage and navigating the aftermath to make sure that you receive the compensation you deserve. If your claim was wrongfully denied or you are worried about how long you have to file a property damage claim in Texas, we are here to help you. Contact us today for a free consultation and let us make sure your bases are covered.
