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What if my insurer will not pay for damages to my home?

In the aftermath of Hurricane Harvey, many people's homes are damaged or destroyed. Not every area of the state was hit, but Texans are no strangers to storms.

Sadly, it is quite common for insurance companies to wrongly deny claims, delay payment or offer a lower settlement than they should when people's homes are wrecked by storms and other natural causes.

Here are some common illegal behaviors from insurers and what you can do about them.

What tactics should you watch out for?

Many people fail to realize that insurance companies do not act in the best interest of their customers because insurers profit from avoiding or lowering coverage payments.

However, insurance companies must:

  • Investigate before making a decision on your claim
  • Answer you within a reasonable amount of time
  • Offer a reasonable settlement based on your policy
  • Give a reason, in writing, for any denials

If they fail to follow any of these steps or they repeatedly delay a settlement, they are likely acting in bad faith. This means you can take legal action against them.

What to do if you suspect insurers are acting wrongfully

The first thing you need to do is review your policy. Understand exactly how you are covered and what you are entitled to. Then, compare your coverage to the insurer's reason for denying your claim or to the amount they offered you.

The next step, whether you simply have questions or you believe they acted in bad faith, is to seek legal advice. An attorney skilled in this area will be able to review your situation to decide whether you have a valid case. Getting an attorney involved shows your insurance company that you are serious about your claim and ready to hold them accountable.

From there, an attorney can help you gather evidence and pursue the coverage your insurer owes. If your claim has been denied, an attorney can help you appeal it.

It can take time to rebuild after a storm but there is no reason that time should be increased by insurance companies refusing to cover their customers. You have options if you are not receiving the coverage you deserve.

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The Law Office of Jessica Taylor, PLLC

The Law Office of Jessica Taylor, PLLC
14100 San Pedro Avenue
Suite 602
San Antonio, TX 78232

Phone: 210-265-6759
Phone: (210) 402-4022
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