After a natural disaster in Texas, you could suffer significant damage to your property. Texas homeowners insurance could help you pay for these repairs when you report a claim. However, if the insurance company attempts to deny or reduce your claim, you may end up without all the money you need to fix your property.
If you believe you followed all the rules for making a claim through your Texas home insurance policy, yet you still receive a denial, you may need legal help. Hiring residential property insurance claims attorneys could benefit you after a natural disaster strikes your area.
You May Need Extra Coverage With Your Homeowners Insurance in Texas for Natural Disasters
Because Texas residents experience certain types of natural disasters that other parts of the United States don’t have, you may have to pay higher Texas home insurance rates. Some natural disasters require supplemental policies to deal with the higher risk in this area of the country.
Even the soundest homeowners insurance in Texas may require add-ons and supplemental policies to deal with natural disasters like:
- Hurricanes
- Tornadoes
- Flooding
- Wildfires
- Wind storms
- Hail
Don’t just assume having wind coverage in your policy also covers tornadoes and hurricanes. Ask the insurance company about the specific coverages in your policy and keep records of these conversations.
If you find extremely affordable Texas home insurance or property insurance quotes, always ensure they protect you against natural disasters.
If you’re unsure about your current policy’s coverage options, reach out to your Texas homeowners insurance provider. Ask whether you have appropriate coverage against natural disasters.
What Your Home Insurance Policy Covers After a Natural Disaster
If you are certain that you have extra natural disaster coverage in your homeowner's policy, you can potentially seek payment in multiple areas after suffering a loss. For example, some common types of damage after wind and hail storms in Texas include:
- Roof damage, including broken shingles
- Broken windows
- Siding damage
- Damage to gutters
- Damage to your air conditioning unit
- Outbuilding damage, such as a garage or shed
- Vehicular damage
- Damage to decks or pools
- Damage to landscaping and trees
Your insurance payment could help with repairs for these types of items.
Why Insurers Try Denying or Reducing Your Payment
Even though you are relying on the payment to return your life to normal as quickly as possible after the storm, the insurer may try to reduce or deny the amount it pays you. Some common reasons insurers deny claims after a natural disaster include:
- Stating that your policy does not cover the damage you had.
- Accusing you of failing to meet filing deadlines for your claims.
- Stating that you failed to provide proof of the damage.
- Accusing you of lying about the type of damage you have or the cost of repairs.
Insurance companies can increase their profit margins when they reduce the amount they pay in claims. They have an incentive to pay you as little as possible for your claim.
If you believe the insurance company is not treating you fairly, you don’t have just to accept the insurer’s offer. You have the right to dispute the insurance company’s findings regarding your claim, but you may need legal representatives to help you.
McLaurin Law, PLLC, Is Ready To Help With Your Insurance Claim
After a natural disaster where your home suffered significant damage, following all the rules of your Texas home insurance coverage is essential. However, insurance companies can make the claim process extremely difficult for you. When you want legal help filing a claim on your homeowner's insurance in Texas, call McLaurin Law, PLLC, at 713-804-7598 today to schedule a consultation.
