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Property Insurance Claim Denials


We often think of Homeowner’s Insurance as our security that gives us peace of mind; the support we need following catastrophic events like tornadoes, hurricanes, floods, and even more recently, snowstorms. But what happens when your insurance company fails to provide the coverage needed to put your home back together following a disaster? This article discusses what to do when your insurance company denies your property damage claim. 

Following an event that leaves your home damaged, you will want to file a claim with your insurance provider. A brief look at the homeowner’s insurance claim process, can be found in our Homeowner’s Insurance article. If your claim is denied, your insurance provider must tell you the reasons why in a written correspondence. 

Understanding your insurance policy is a difficult task due to its complexity. If you receive a denial letter, and you believe you should have been covered, you can file an appeal. Your policy will outline the appeals process; it is important to follow this process as specified to avoid any costly mistakes. In addition to appealing the denial, there are other alternatives like filing a complaint with the Texas Department of Insurance.   

If the appeals process is deemed unsuccessful and your situation escalates to the point where a lawsuit is necessary, in Texas, you must file the lawsuit within two years of the date your property is damaged. After two years pass, it is not likely that you will be able to recover anything. 

If you are facing an issue with your insurance provider and you would like to get in contact with one of our attorneys, follow the steps outlined in the Get Started Now section below. For additional information on our online consultation process and hourly rates, please visit our Online Consultations Page. 

Getting Started with Homeowner’s Insurance Representation 

  1. Email with a thorough, but precise summary of your claim, and services being requested. Please list any pertinent facts affecting your claim and any questions you may have. Attach all relevant documents to this initial email. The contents of your initial email will remain confidential.
  2. Within 1-2 business days (often faster), you will receive a response to your email with a quote, payment link, and engagement letter for the initial consultation based on the summary of your legal issue and the length and complexity of the documents attached. 
  3. In no circumstance will you be charged more than your initial consultation quote (full representation) or the quoted flat-fee (flat-fee structure) unless you give written authorization to proceed with the representation. After the initial consultation, you may agree to proceed on an hourly basis, on a flat fee if available, or you may decide to end the representation. 


Please note, the information on this webpage should not be considered legal advice and is strictly for informational purposes. Any interaction with this webpage or initial correspondence with our attorneys does not qualify as providing legal advice or retaining legal representation. Legal advice is available only to clients who have an executed Engagement Agreement with Forbes Barrentine Law PLLC. Forbes Barrentine Law PLLC does not provide legal advice relating to federal or state income taxes.  


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