When disaster strikes, Texas homeowners rely on their insurance policies to help rebuild and recover. The devastating storms of 2023 left thousands of properties damaged across the state, and many policyholders turned to their insurance carriers for relief. However, navigating the claims process can be frustrating, especially when insurers delay, deny, or underpay legitimate claims.
If your storm damage claim was denied or undervalued, you may still have options—but time is running out. The deadline for filing lawsuits related to 2023 storm damage claims is quickly approaching, and failing to act soon could cost you your right to compensation.
Understanding the Texas Deadline for Filing 2023 Storm Damage Claims
Most homeowners don’t realize that the statute of limitations on their claim doesn’t start on the date of the storm—it begins on the date their insurance carrier made a final decision on their claim. This means that for many Texas residents who filed claims after the 2023 storms, the statute of limitations clock started ticking in May or June 2023, when most insurance companies issued their decisions.
Texas law requires that insured policyholders submit a demand letter to the carrier at least 60 days before filing a lawsuit. If this critical step is skipped, policyholders risk losing their ability to recover attorney’s fees, which could significantly impact the cost of legal representation.
What This Means for You
If your claim was denied, underpaid, or delayed, and you’re considering legal action against your insurance provider, you must send a demand letter before mid-March 2025. Otherwise, you may lose your ability to seek the compensation you rightfully deserve.
Why Insurance Companies Deny or Underpay Storm Damage Claims
Insurance carriers often look for reasons to reduce or deny payouts, even when claims are valid. Some of the most common excuses used include:
- Pre-existing damage – The insurer claims your damages were not caused by the 2023 storm.
- Wear and tear – The insurance company argues that your roof, siding, or structure was already deteriorating before the storm.
- Improper installation – The carrier states that faulty installation or maintenance issues caused the damage.
- Low damage estimates – The insurer deliberately underestimates the cost of repairs, leaving you with insufficient funds to fix your property.
- Deductible manipulation – The company claims your damages do not exceed the deductible, leaving you with no payout.
How Moore Law Firm Can Help
At Moore Law Firm, we’ve been fighting for Texas homeowners for years, ensuring they receive the full compensation they deserve after storm damage. If your insurance carrier has given you the runaround, we can help by:
Reviewing your claim to determine if your insurer acted in bad faith. ✔ Drafting and sending a demand letter that compels the insurance company to reassess your case. ✔ Negotiating on your behalf to maximize your payout. ✔ Filing a lawsuit if necessary to hold your insurer accountable.
Time is Running Out – Act Now!
If you suffered property damage from the 2023 storms and have not received a fair settlement, you must take action now. The deadline for filing a lawsuit is fast approaching, and your demand letter must be sent before mid-March 2025 to preserve your rights.
Don’t wait until it’s too late. Protect your home, your finances, and your legal rights by contacting Moore Law Firm today.
Call us now at 956-443-3611 for a FREE consultation!
Let us fight for you and ensure your insurance company honors its obligations. Your time to act is now!