HOUSTON HOMEOWNERS INSURANCE CLAIM LAWYERSYour policy is a promise. We hold them to it.
Denied, delayed or underpaid after a storm, a leak or a fire? We help homeowners across Houston and Southeast Texas get what their policy promises, with the insight of attorneys who have defended carriers in these exact disputes.
CLAIMS WE HANDLE
If your home is insured and the carrier isn't paying what the policy promises, we can help, whether the claim was denied outright, stalled for months, or paid at a fraction of the repair cost.
HURRICANE & WIND
Roof, siding and interior damage after named storms and severe wind. Storm claims guide
HAIL DAMAGE
Claims dismissed as "cosmetic" or blamed on age when the roof was functional before the storm.
WATER & PLUMBING LEAKS
Sudden leaks, slab leaks and resulting water damage denied as "long-term seepage." Water claims guide
FIRE & SMOKE
Underestimated rebuild costs, contents disputes and additional living expenses.
UNDERPAID CLAIMS
Estimates that leave out line items, over-depreciate, or price repairs below local market rates.
DELAYS & BAD FAITH
Missed deadlines, endless document requests and unreasonable investigations.
TEXAS INSURERS HAVE DEADLINES too.
The Texas Prompt Payment of Claims Act (Texas Insurance Code, Chapter 542) sets a timeline for most homeowners claims. Deadlines can be extended in some situations, such as after a declared weather catastrophe.
- 15 DAYSAcknowledge & investigateAfter notice of your claim, the insurer must acknowledge it, begin investigating and request what it needs.
- 15 BUSINESS DAYSAccept or rejectAfter receiving the requested items. If it needs more time, it must say why, and decide within 45 days.
- 5 BUSINESS DAYSPayOnce a claim is accepted, payment is generally due within five business days.
- LATE?Interest & attorney's feesAn insurer that violates these rules can owe statutory interest on the claim, plus reasonable attorney's fees.
Insurers can also be liable for unfair settlement practices under Chapter 541 of the Insurance Code. Weather-related claims have additional rules under Chapter 542A, including written notice at least 61 days before filing suit. Read the full guide to your rights or calculate your deadlines.
WHY CLAIMS GET DENIED and how we push back
These are the reasons we saw most from the insurer's side. Each one can be challenged with the right evidence.
What to do after a denial →- "Wear and tear" or pre-existing damage. Common with older homes and roofs, even when a storm caused new, separate damage.
- Excluded cause. Flood, settling, mold or long-term seepage, often argued when covered and excluded causes overlap.
- Late notice. Claims reported weeks or months after the event, especially hail damage that wasn't visible right away.
- Damage below the deductible. Often the result of an incomplete estimate rather than a small loss.
- "Cosmetic" damage only. Some policies exclude purely cosmetic damage; whether the damage is truly cosmetic is often disputed.
WE KNOW THE PLAYBOOKbecause we've used it.
Our attorneys have defended carriers in first-party property and bad faith litigation. We know how adjusters and engineers build a denial, how appraisal really works, and when a carrier is ready to pay. Now that knowledge works for you.
Why our insurer-side experience matters →FREQUENTLY ASKED QUESTIONS
Do I need a lawyer to file a homeowners insurance claim?
No. You can file a claim on your own, and many claims are paid without one. A lawyer becomes valuable when the claim is denied, underpaid or stalled, or when the insurer asks for a recorded statement or examination under oath.
How long do I have to sue my insurance company in Texas?
It depends on your policy and the claim. Many Texas homeowners policies shorten the time to file suit, often to about two years, and weather claims require written notice at least 61 days before filing. Talk to an attorney as early as possible.
Can I still dispute my claim if I already accepted a payment?
Often, yes. Cashing a check for the amount an insurer agrees it owes doesn't usually end your claim, but signing a release can. Don't sign anything labeled a release or settlement before getting advice.
What is insurance appraisal?
Most Texas homeowners policies include an appraisal clause for disputes over the amount of a loss. Each side picks an appraiser, and an umpire resolves disagreements. It can be faster than a lawsuit, but it isn't right for every claim. How appraisal works in Texas.
How much does it cost to hire you?
Your first case review is free. Depending on the case, we work on a contingency fee or another arrangement. Before you decide, we explain the fee and how case expenses are handled, in writing.
LET US REVIEW YOUR CLAIM,free.
Send us your denial letter or estimate. We'll tell you plainly where you stand.
START YOUR FREE CLAIM REVIEW