The state of Texas is well known for its powerful storms that lead to millions in property damage insurance claims each year. But what happens when your policyholder denies your valid claim? The skilled attorneys at Kirk Law Firm, PLLC can explain how to handle denied claims for hurricane damage to your home and business, helping you navigate the claims system and receive the coverage you deserve. Contact us today to schedule a free initial consultation.
Step 1: Understand the Denial and Gather Evidence
When you first discover your insurance claim for hurricane damage to your home or business was denied, review the provider’s explanation. If you have not received a detailed written notice, request one and demand that the adjuster reference the specific policy sections that correspond with the reasons for their decision.
Next, compare the denial letter with your policy and look for any discrepancies or ambiguities. Begin collecting evidence that supports your claim, including photographs and videos of the storm damage, contractor estimates for repairs, receipts, weather reports, and any communication that has taken place between you and your home or business’s insurance company.
Step 2: Dispute Your Claim
When denied or undervalued, you may dispute the claim. However, it is imperative that you follow the policy and provide proper notice and information to the carrier to preserve your rights. This stage can be confusing, making it essential to work with an attorney. Having an attorney to guide you through the process and ensure that proper notice and documentation are provided will help you through the process. The team at Kirk Law Firm, PLLC can help you dispute your hurricane damage claim and ensure it is filed correctly.
Step 3: File a Complaint with the TDI
If your home or business’s policy holder is unresponsive or continues to act unfairly, it may be time to reach out to our firm for guidance about filing a complaint with the Texas Department of Insurance (TDI). Texas Insurance Code § 541 prohibits insurance companies from misrepresenting your coverage or engaging in other dishonest practices, while the Prompt Payment of Claims Act § 542 requires policyholders to pay claims timely. It can be difficult to know how to proceed following the continuous denial of your home or business’s hurricane damage claim, but a seasoned lawyer from our firm can help you.
Let Us Handle Your Denied Claim for Hurricane Damage to Your Home or Business
With offices across the state of Texas, Kirk Law Firm, PLLC has a legal team with extensive experience. We understand how property damage insurance claims work, and we have the skills and knowledge to fight for your rights after a denial.
Insurance companies have adjusters and attorneys whose goal is to minimize coverage payments. You need an experienced attorney on your side who understands how to get all of the coverage to which you are entitled. Let us guide you through the dispute process for the best possible outcome in your case. Contact us today to schedule a consultation and learn more about how to handle denied claims for hurricane damage to your home or business.
