When an insurance claim gets denied in Texas, DIY homeowners are immediately at a disadvantage if they try to handle it themselves. The reality is that you’ll be going up against licensed claims adjusters who are specifically trained to protect the insurance company’s interests, not yours.
You’re Facing Insurance Professionals
Insurance carriers employ highly trained, licensed claims adjusters who know every technique in the industry playbook. These professionals handle hundreds of claims annually and are skilled at finding reasons to deny or minimize payments.
These adjusters understand policy language nuances, exclusions, and limitations that most homeowners simply don’t. They’re trained to identify any possible reason to reduce or deny your claim, and they do this work every day.
The 542A Demand Letter Is Critical
In Texas, when an insurance company denies your claim, you need legal representation to properly present a demand letter under Section 542A of the Texas Insurance Code. This isn’t just correspondence – it’s a precise legal document that initiates specific obligations and timelines.
Without legal knowledge, homeowners often fail to include necessary elements in these demand letters, essentially giving the insurance company more time and leeway to avoid payment.
Starting the Clock on Payment
The properly drafted 542A demand letter initiates time constraints on the insurance company. When correctly delivered, this letter forces the carrier to respond within specific timeframes, creating accountability that doesn’t exist otherwise.
Insurance companies know most homeowners aren’t familiar with these requirements, which is why they often take unrepresented claims less seriously.
Leveraging Bad Faith Claims Under Section 541
The real power in Texas insurance disputes comes from the threat of bad faith litigation under Section 541. This statute allows for significant penalties against insurers who engage in unfair practices.
Without the credible threat of a bad faith claim and its associated penalties, insurance companies have little incentive to reconsider their denial decision.
The Full Compensation You Deserve with The Moore Law Firm
When you hire The Moore Law Firm, we don’t just seek payment for your property damage – we fight for complete compensation for how you’ve been treated. Our approach includes:
– Presenting comprehensive documentation of your property damage claim
– Pursuing attorneys’ fees to ensure your legal representation costs are covered
– Seeking additional compensation when insurers have mistreated you or acted in bad faith
– Ensuring you’re not left paying out-of-pocket for the insurance company’s improper denial
Texas law allows for the recovery of reasonable attorneys’ fees in many insurance claim disputes. This means that when we win your case, the insurance company – not you – may be responsible for paying your legal costs.
The Moore Law Firm Advantage
At the Moore Law Firm, our 30+ years handling insurance claims means we recognize every delay and denial tactic. We’ve seen carriers:
– Misinterpret policy language to avoid coverage
– Undervalue damage assessments
– Claim pre-existing conditions
– Delay inspections and communication
– Request excessive documentation
– Use their own biased experts
Our experience allows us to anticipate these strategies and counter them effectively. What’s more, we can turn these delay tactics into evidence for bad faith claims, potentially increasing your recovery.
Why DIY Doesn’t Work for Denied Claims
When your claim has been denied, you need representation that understands how to properly leverage Texas insurance law. Licensed claims adjusters have the training, experience, and company backing that put individual homeowners at a significant disadvantage.
Don’t face these insurance professionals alone. With proper legal representation, you can level the playing field and get the claim payment you deserve. If your storm damage claim has been denied, contact the Moore Law Firm today. Call us any time at 956-443-3611 for a FREE consultation!