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Property & Business Insurance FAQs

The answer is found within the specific language of your policy and through detailed financial calculations of lost income and operating expenses.

A lawyer can assist when a claim is denied, delayed, or undervalued following natural disasters, utility outages, or supply chain breakdowns.

The most common error is ignoring “Duties After Loss” requirements outlined in the policy, which can delay or derail a claim.

The most effective way to prevent delays is to document all damage and communications immediately and thoroughly.

You do not have to accept a “lowball” payout. You can challenge the valuation and seek a legal review of the damage assessment.

Fire claims are notoriously complex; a lawyer helps navigate the technical requirements of the policy to ensure all covered damages are included.

Start by gathering all documentation and the formal denial letter to identify the specific reason for the “no” before filing an appeal.

This is common after back-to-back weather events. You must provide evidence (like repair receipts or photos) to distinguish new damage from old.

Personal Injury FAQs

While you should hire one as soon as possible, the absolute limit is defined by the Texas Statute of Limitations (typically two years for personal injury).

While the at-fault party is responsible, bills are typically settled at the end of a case rather than as they arrive, making timing and legal strategy crucial.

You can recover Economic damages (medical bills, lost wages), Non-Economic damages (pain and suffering, disfigurement), and in cases of gross negligence, Punitive damages designed to punish the defendant.

Generally, you have two years from the date of the injury to file a lawsuit. However, exceptions exist for injuries that weren’t immediately apparent or cases involving minors.

Without photos, videos, and witness statements, bodily harm claims can become “he said, she said.” Preserving evidence at the scene helps tie your injuries directly to the accident rather than a pre-existing condition.

The steps you take immediately—reporting the accident in the app, seeking medical care, and documenting the driver’s info—impact your ability to navigate the complex insurance layers unique to ridesharing.

Texas follows “proportionate responsibility,” meaning you can still recover damages as long as you are not more than 50% responsible. A lawyer helps ensure your percentage of fault is not unfairly inflated by the insurance company.

Look for an attorney with specific experience in your type of accident (truck, motorcycle, etc.) and, importantly, someone who understands the insurance side of the litigation to counteract “lowball” tactics.

No. The goal of a medical malpractice suit is to compensate the victim and their family for damages, not to revoke a professional license

You should involve an attorney as soon as the insurer begins “stalling,” asks for repetitive financial records, or issues a denial based on “utility outage” or “supply chain” exclusions.

Insurance Process & Rights FAQs

When an insurance company denies a claim, they often cite policy exclusions or technicalities. If your claim is denied, follow these steps:

  • Request the denial in writing: If you were notified by phone, ask for a formal written explanation to document their specific reasoning.
  • Identify the cause: Denials often stem from alleged lack of evidence, policy misinterpretations, or specific exclusions.
  • Consult an attorney: A legal professional can help gather documentation, file formal demands, and determine if the insurer is liable for statutory or punitive damages.
  • Hold them accountable: Challenging a denial can lead to the recovery of compensation, attorney fees, and penalties if the claim was wrongfully denied.

Red flags include excessive delays, failing to return calls, requesting repetitive inspections, or offering a “lowball” settlement without a clear explanation. Texas law requires insurers to deal with you honestly and reasonably.

Under the Texas Prompt Payment of Claims Act, insurers must acknowledge your claim within 15 days and pay within 5 business days of approval. If they fail to meet these deadlines, you may be entitled to a penalty of 18% of the payout amount plus attorney’s fees.

Statutory bad faith allows you to file both first-party (your own insurance) and third-party (someone else’s insurance) claims, whereas common law bad faith is typically limited to your own insurer. Statutory claims are often easier to prove in Texas courts.

You can seek contractual damages (the original claim amount), extracontractual damages (interest and mental anguish), and punitive damages—which can be up to three times the original claim amount if the insurer acted knowingly.

No. Texas law requires a ten-day written notice for cancellation. A sudden cancellation without notice is often cited as evidence of bad faith.

The statute of limitations is generally two years from the date the claim was denied or the date you discovered the bad-faith action.

This is a common tactic after major storms like Hurricane Beryl. You must provide independent evidence—such as repair receipts, previous inspection reports, or dated photos—to distinguish the new damage from the old.

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