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Freeze Damage Claims Lawyer in Houston, TX

At McLaurin Law, our Texas freeze damage claims lawyer team helps clients who are seeking recovery due to winter storms, whether they are filing an insurance claim, seeking to appeal a claim denial, or filing a lawsuit to seek fair and appropriate compensation from the insurance company.
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Do You Need a Freeze Damage Claims Lawyer in Houston, Texas?

As a Houston resident, you probably would never expect your home to experience freeze damage. However, when the occasional winter storm hits the area, many homeowners are left with expensive damage throughout their properties. If you have recently suffered freeze damage, then you are familiar with the feelings of vulnerability and desperation as you have sought to limit the impact on your home and belongings while seeking to minimize and cover costs. You should involve an experienced freeze damage claims lawyer when filing your claims or appealing a denial in order to prevent this severe inconvenience from becoming an even larger financial setback.

If your homeowners insurance policy includes coverage for “freezing,” you probably expect your insurer to accept your claim. Unfortunately, insurance companies do not always honor freeze damage claims, and not all water damage that involves “freezing” is covered under homeowners insurance.

Sometimes, insurers deny claims for no reason or fail to pay enough to cover all the damage. If you are facing a claim denial in Texas, you need an experienced freeze damage claims lawyer on your side to help you determine the appropriate steps to seek fair and appropriate compensation.

Types of Freeze Damage in Texas

Winter storms with severely low temperatures can create several types of damage for homes in the area. Many Texas homes are not built to withstand long periods of freezing temperatures, making the damage even more severe.

Here are a few examples of damage to your property that can occur due to freezing temperatures in Texas:

  • Ice damming on roofs (leading to leaks)
  • Frozen pipes bursting (causing water to flow into your house)
  • Flooding
  • Sewer backups
  • Overworked heating systems (which may stop working)
  • Damage from falling tree branches and other debris

Understand that different types of water damage have their own implications and are handled under different policies. Flooding and sewer backups are entirely different matters from water damage due to frozen pipes that have burst. These three types of water damage should not be confused when speaking with the insurance company. Your freeze damage claims attorney can help you identify the correct path for pursuing an insurance claim.

Contact our experienced Texas freeze damage claims legal team at McLaurin Law today to schedule a free strategy session.

Does Texas Homeowners Insurance Cover All Freeze Damage?

You can review your homeowners insurance policy to determine its exact coverage, and your attorney can assist you if you have questions. “Freezing” is considered an “insurance peril” that can cause damage to fall under homeowners insurance coverage, but the details are complicated, and this is not inclusive of all water damage related to “freezing.” Damage involving flooding or sewer backups are very important exceptions to note.

Water damage from burst pipes should never be described as “flooding,” and doing so when speaking with the insurance company risks invalidating your claim. A flood is something else entirely, and it is typically not covered under homeowners insurance, but rather under the National Flood Insurance Program (NFIP). Flood insurance is optional for some, but it can be required for others if they are in high-risk areas.

Sewer backups are yet another type of water damage that can also be associated with freezing, and the distinction between the city sewer system and where service lines connect to your home may come into play. You may have a service line rider added to your policy, but this is not typically included in standard homeowners insurance. Lack of maintenance is a cause of sewer line damage in many instances, and that is generally not covered under homeowners insurance.

Your attorney can help you examine your policy to determine whether you should have coverage for the freeze damage you have experienced before you make any homeowners insurance claims in response to the damage. Contact us today to schedule a free strategy session so we can help you determine the correct next steps before you make a mistake that could jeopardize your ability to recover.

What To Do When Your Insurer Denies a Valid Insurance Claim for Freeze Damage in Houston, Texas

If your insurer has denied your valid freeze and pipe burst insurance claim, your next step is to file an appeal. This process requires the insurance company to reconsider their claim denial after you present new evidence of the damage.

Unless you have extensive insurance experience, you should not attempt to file an appeal without the assistance of an attorney. Your attorney can help you navigate this process effectively.
Before you file your appeal, you and your attorney should gather additional evidence to support your claim. Your attorney can review your homeowners insurance policy and indicate the specific coverage information that makes the insurer’s claim denial invalid.

After filing an appeal, the insurance company will either approve or deny it. If your insurer denies your appeal, you and your attorney can consider a bad faith lawsuit as the next step.

How Much Compensation Can You Seek in a Bad Faith Insurance Lawsuit in Texas?

A bad faith insurance lawsuit may be an option in Texas if your insurer did not fulfill the terms of your policy when you made a valid claim or if they did not promptly and properly investigate your claim. Your insurance lawsuit attorney can assess whether a bad faith lawsuit would be appropriate for your claim.

Sometimes policies are misrepresented when they are sold. There are also times when an insurer will deny a valid claim for no good reason or a reason other than the one they cited.

When you file a bad faith lawsuit against your insurance company, you can seek additional damages beyond those specified in your policy terms. For example, you may be able to seek some or all of the following damages:

  • Statutory penalties
  • Interest
  • Economic losses (failing to repair the damage in a timely manner)
  • Mental anguish
  • Court Costs
  • Attorneys’ fees
  • Treble damages (up to 3 times the actual damages if Chapter 541 of the Texas Insurance Code was knowingly violated)

The damages you can seek will depend on the unique circumstances within your case and the initial value of your insurance claim. Your attorney can determine the proper damages for your case.

It is important to work with a skilled freeze insurance claim lawyer if you will be filing a lawsuit against your insurer. Your attorney can help you gather further evidence to support your claim and the additional damages related to the insurance company’s actions.

How Can a Freeze Damage Claims Lawyer Help You in Texas?

Finding out that an insurance company has denied your freeze damage claim can be stressful, frustrating, and disheartening. At McLaurin Law, our qualified freeze damage claims lawyer team has insider understanding of the strategies and tactics used by insurance companies to minimize the claims they pay. We use these powerful insights to help our clients make effective freeze damage claims, appeals, and lawsuits in the Houston area.

Our experienced Texas freeze damage claims attorneys can help you gather evidence to support your claim and walk you through the processes of appealing and filing a lawsuit, as necessary. We can communicate with the insurance company on your behalf and take the stress and burden of seeking fair and appropriate compensation off your shoulders.

Contact our legal team in Houston, TX today to schedule your free strategy session. McLaurin Law — When you need more than luck on your side.

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Why Choose McLaurin Law?

Free Consultations: Whenever you need legal advice, McLaurin Law offers consultations for free. Depending on the circumstances of your case, our lawyers are happy to allot a 30-minute free consultation and strategy session.
Insider Advantage: Our lead attorney, Jason C. McLaurin, has previously worked as an insider for insurance companies. His experience in the industry allows him to guide clients in choosing comprehensive insurance policies and exploring strategies in case of denied claims.
Years of Experience: Since 2017, McLaurin Law has served hundreds of clients in Houston, Texas. The firm focuses on commercial and insurance laws and handles personal injury cases, ranging from road accidents to maritime liabilities.
Available 24/7: Legal troubles can arise at any day or time. McLaurin Law has your back if you need legal advice in the wee hours of Sunday. Our lines are open 24/7, and you can book a consultation online.

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Frequestly Ask Questions

Should I Take What the Insurance Company Offers Me?

Typically, the answer to this is absolutely not. Insurance companies are looking out for their own best interests and will try to get you to settle for an offer that is far below what you deserve. At McLaurin Law, we can help you seek an appropriate settlement.

What's the Time Limit for Filing a Claim?

After an accident, you should typically file a claim with the insurance provider of the negligent party who is responsible for your accident. It is important that you move with haste in filing a personal injury claim with the insurance carrier after an injury has occurred. Should a lawsuit eventually become necessary, it is also important to keep in mind that in the state of Texas, you must file a personal injury lawsuit within two years of the date the injury occurred.

What Should I Do after an Injury?

Your number one priority should be your well-being. Seek out medical advice as soon as possible to ensure that you get the treatment you need. You should also move quickly to consult with an attorney to assist you with your personal injury claim. Critical events occur early in the personal injury claims process—such as interviews with adjusters and early damages assessments—so do not delay speaking with an attorney.

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Contact McLaurin Law, PLLC

Schedule a consultation with McLaurin Law, PLLC if you have an insurance issue, or if you have suffered an injury or property damage in Texas. We will review your personal injury case, assess your insurance claim or appeal, address your questions, and strategize paths to seek fair compensation. We aggressively pursue our clients’ interests, armed with an insider’s perspective on Texas insurance claims. Call our office or fill out our online form to get started.
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Ask A Question,
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Call (713) 461-6500 or fill out the short form below. We will respond within 1 business day. Don’t hesitate, your questions are welcome.
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