If your home or business suffered storm damage during the 2024 Houston Derecho or Hurricane Beryl, time is running out to protect your rights.
Under Texas law, the statute of limitations on most property insurance claims is two years from the date the cause of action accrues. Meaning you have two years from the date that your insurance company issued its initial claim determination to file suit to protect your rights. Since it is now 2026, the statute of limitations for Derecho and Hurricane Beryl claims is approaching—don’t wait. Once it passes, you may permanently lose your ability to recover additional funds, even if your claim was underpaid or wrongfully denied. Contact our team at Kirk Law Firm, PLLC for help throughout the claims process.
The 60-Day Notice Requirement
There is another critical deadline many policyholders overlook.
Under the Texas Insurance Code and the Texas Deceptive Trade Practices Act (DTPA), you must provide your insurance carrier with written notice at least 60 days before filing suit for extra-contractual claims. This includes claims for:
- Attorney’s fees
- Statutory interest
- Emotional distress
- Bad faith damages
- Treble damages
Failing to provide proper notice can jeopardize your ability to recover these additional damages.
That means you cannot simply wait until the two-year deadline and file suit the next day. To preserve your rights, the notice must be sent early enough to:
- Allow the full 60-day statutory notice period to run;
- Prepare and file the lawsuit before limitations expires; and
- Have the defendant served in compliance with Texas law before the statute of limitations runs.
Waiting too long to file your Derecho and Hurricane Beryl claims can effectively cut off your ability to pursue certain damages, even if your underlying claim has merit.
Why Acting Now Matters
Insurance disputes are rarely simple. Proper notice requires:
- Gathering evidence
- Identifying the correct statutory provisions
- Calculating the damages owed
- Presenting the claim in compliance with the Insurance Code and DTPA
In first-party insurance cases, technical mistakes can have serious consequences. An improperly calculated or untimely demand may limit or waive certain remedies.
You should have your Derecho or Hurricane Beryl claim reviewed immediately by an experienced property insurance claims lawyer if it was:
- Underpaid
- Delayed
- Denied
- Closed prematurely
- Or still unresolved
Deadlines for Derecho and Hurricane Beryl Claims Are Approaching — Don’t Risk Losing Your Rights By Waiting Too Long
The statute of limitations for Derecho and Hurricane Beryl Claims is approaching—don’t wait. As the deadline approaches, carriers are well aware of the timing. Once limitations pass, their exposure changes dramatically.
If you believe your claim was mishandled, now is the time to act. Waiting could cost you the ability to recover what you are owed.
If you have questions about your Derecho or Hurricane Beryl claim, contact our office as soon as possible so we can evaluate your options before it is too late. Our attorneys at Kirk Law Firm, PLLC look forward to hearing from you.
