Did you have a residential property insurance claim, a business interruption insurance claim, or another type of insurance claim denied? You may maintain the right to fight back against your insurance company and have this claim approved.
However, you probably can’t do it alone. Hiring an insurance coverage lawyer can improve your chances of collecting a settlement by filing a compensation claim against your insurer.
There are also other instances when you should consider consulting an insurance coverage attorney in Houston, TX. Learn about them below.
When You’re Preparing To File a Large Claim
According to the Houston Fire Department, more than 8,000 residential and commercial fires take place in the Houston, TX, area annually. If your home or business sustains extensive fire damage, you’ll need to file a large claim through your insurance company.
Claims like this are often complex from the start. An insurance company might not deny your claim outright but may attempt to lowball you when approving your claim. This can make it difficult, if not impossible, to make the necessary repairs or even rebuild your home or business.
Any time you plan to file a large claim, it’s worth consulting an insurance coverage lawyer. A plaintiff lawyer can show your insurer you’re serious about collecting the compensation you need when filing a claim.
When You’re Stuck in a Dispute Over a Claim
An insurance company might not deny a claim outright when you file it. The company might agree to approve a claim, but it might not provide you with as much compensation as you need to repair a home or business properly. It may also cite hard-to-understand clauses within your insurance policy to defend its actions.
In this case, you’re under no obligation to accept a claim you consider unfair. But if you turn it down, you might find yourself stuck in a dispute over a claim with your insurer. Don’t be afraid to consult an insurance coverage lawyer for assistance with negotiating a fair settlement.
An insurance coverage attorney can review your claim and insurance policy to determine whether or not an insurer is trying to shortchange you. This can help you avoid agreeing to a settlement offer from your insurance company worth less than it should be.
When You’re Dealing With an Insurer Acting in Bad Faith
When you filed a claim through an insurance company, did it:
- Fail to investigate your claim thoroughly or even refuse to investigate it at all?
- Delay your claim on numerous occasions for no apparent reason?
- Misrepresent certain aspects of your insurance policy?
In each of these instances, you might argue that your insurer was acting in bad faith. This occurs when insurance companies fail to live up to their obligations to their policyholders.
An insurance company doesn’t have to approve a claim if they have a good reason. But if you suspect an insurer has denied a claim in bad faith simply to improve its bottom line, consult an insurance coverage attorney. They can analyze your claim and your insurer’s response to see whether it may constitute bad faith.
Consult an Insurance Coverage Lawyer by Contacting Our Law Firm Today
You don’t have to settle for a lowball offer or a claim denial from your insurance company in Texas. An insurance coverage lawyer from McLaurin Law PLLC can evaluate your case and help you decide how to proceed.
We can also provide an accident attorney if you’d like to start the injury litigation process. Call 713-461-6500 today or submit a form online to seek the services of a liability counsel with a deep understanding of tort law and complicated insurance-related cases.
