At McLaurin Law, we help our clients in Texas file theft & vandalism claims on their insurance policies, and we manage appeals and lawsuits when valid claims for theft or vandalism have been denied by the insurance company.
Houston, Texas
Theft & Vandalism Claims Lawyer
”“McLaurin Law pays attention to their clients and works around their clients’ needs. They took time to hear the case with patience and provided us assurance and comfort to handle the case quickly and properly. They kept communicating with us and provided updates in a timely manner. Would recommend!”
- Sunita Raj
When To Hire a Theft & Vandalism Claims Lawyer in Texas
Discovering that a person has vandalized or stolen from your property can be shocking and stressful. You may be surprised by such bold behavior, you may be left with a heightened sense of vulnerability, and you may now be without important resources you rely on for your regular daily activities or work responsibilities.
Such an incident can impact various facets of your life and those around you. An experienced Texas theft & vandalism claims lawyer can help you to properly file a claim or pursue an appeal if your claim has been denied.
If your homeowners insurance policy covers theft and vandalism, you should be able to seek compensation for these damages. In some cases, insurance companies deny claims in bad faith, which usually means they do not have a valid reason for the claim denial. Insurance companies often try to avoid covering the full cost of the vandalism repair or theft recovery, even if your coverage limits exceed the repair costs.
In these cases, having a qualified theft and vandalism claims attorney on your side is essential. Having an experienced attorney on your side can help you appeal your claim denial and seek the funds stated in your homeowners insurance policy.
Why Do Insurance Companies Deny Theft and Vandalism Claims in Texas?
If your policy covers theft and vandalism, your insurer should pay. If their denial contradicts the facts or your policy terms, our team can help you dispute the following:
- You failed to pay your premium for at least one month
- You did not file your claim on time
- You made false or misleading statements in your claim
- You did not provide enough claim documentation
- The insurer believes you are fabricating or exaggerating the loss
Contact our legal team at McLaurin Law if your insurance claim in response to a theft or vandalism incident has been denied in or near Houston, Texas.
What To Do If an Insurance Company Denies Your Theft or Vandalism Claim in Texas
If an insurance company has denied your theft or vandalism claim, you can work with an experienced Texas insurance claims attorney to file an appeal with the insurer. Your attorney can review the details of your insurance claim and coverage to support your appeal.
If your insurance company denies the appeal, you can consider taking legal action. Your attorney can help you determine whether to file a lawsuit or attempt to settle out of court through mediation or arbitration.
Evidence for a lawsuit may include documentation about the damage, statements from your insurance policy describing your coverage, or quotes from your communications with your insurer. Your bad faith insurance attorney can help you gather evidence that the insurer denied your claim for reasons that were not valid in relation to the policy terms and the theft or vandalism incident that led to the claim. If the terms were misrepresented to you when you were sold the policy, then that may also be cause for a bad faith lawsuit.
Why Choose McLaurin Law
Since 2017, McLaurin Law has served hundreds of Texas clients with a focus on commercial, insurance, and personal injury law. We offer 24/7 availability and 30-minute initial strategy sessions.
Our firm is led by Jason C. McLaurin, who provides a distinct “Insider Advantage.” Having worked for insurance companies, he uses that industry knowledge to counter denied or undervalued claims.
While we handle complex litigation like maritime liabilities and road accidents, our true difference lies in our relentless advocacy. We serve Houston, Sugar Land, Baytown, Katy, and Pearland, taking the stress off your shoulders by leading you through every step of the legal process. Our team understands the tactics insurers use, and we leverage that experience to ensure you receive the maximum compensation possible with as little frustration as possible.
Frequently Asked Questions
Should You Sue the Thief or Vandal in Addition To Pursuing an Insurance Claim?
If you know who committed the act of vandalism or thievery, you can consider filing a civil lawsuit against them. In your lawsuit, you may seek compensatory damages to cover the monetary costs incurred from the criminal act.
Your lawyer can help you determine whether filing a lawsuit is a good idea. If you have already received compensation from your insurance company, you may not have a good reason to file a lawsuit. You may also consider reporting the thief or vandal to the police.
Does Homeowners Insurance Cover a Car Stolen From Your Driveway in Texas?
In Texas, your homeowners insurance will not cover the theft of the vehicle itself; that requires “comprehensive” auto insurance. However, personal items stolen from inside the car (i.e., laptop, luggage, or tools) are typically covered under the personal property section of your homeowners or renters policy, even if the car was off-premises. These claims are subject to your homeowners deductible and specific “off-premises” sub-limits. We can help you navigate these dual claims to ensure both your vehicle and your belongings are replaced.
How Can a Texas Theft and Vandalism Insurance Lawyer Help You?
Your experienced Texas insurance claims attorney can provide a range of services to help you appeal theft and vandalism claim denials. These services may include:
- Filing an appeal with your insurer
- Communicating with your insurance company on your behalf
- Gathering evidence to support your case
- Taking legal action against the insurance company in a bad faith lawsuit
McLaurin Law — When you need more than luck on your side
Contact our theft and vandalism insurance lawyer team today to schedule your strategy session.
