Houston Home Insurance Dispute Lawyer
Many homeowners invest in an insurance policy to protect their home and belongings in case of a natural disaster. These policies can help Texans rest easier, knowing that an unforeseen flood, wind, or hail storm will not turn their lives and pocketbooks upside down.
Unfortunately, even when polices are carefully researched and premiums paid, some insurance companies will value profits over good faith. When an insurance company refuses to honor their end of the bargain, you may have a home insurance bad faith denial claim. Call Powers Law Firm today to talk to a Houston home insurance dispute lawyer.
Types of Home Insurance
Homeowner’s insurance policies can be purchased to cover a variety of incidents:
Business owners buy insurance to cover many of these same concerns. It is important to understand exactly what your policy covers before a natural disaster or incidence of theft. For example, flood damage is often not covered by homeowner’s insurance and needs to be purchased separately. In Houston, with our recent flooding, this is a very important type of coverage to have.
When natural disasters occur, they can leave families without a place to stay, facing thousands in repairs and cleaning bills. Don’t count on the insurance company make you a top priority. They have carefully built an image of compassion and helping hands, but profit is the top priority. Making money on your policy stands ahead of your needs. Home insurance bad faith claims are not uncommon, and you aren’t the only policyholder needing assistance from a Houston home insurance dispute lawyer.
Bad Faith Claims
Insurance companies owe a duty of good faith when working with the policyholders they insure. A violation of good faith and fair dealing is called a bad faith claim. This broken contract between the insurance company and the policyholder can occur in many homeowner claim scenarios, including:
- Undervaluing the damage to the home or property
- Delaying payment, causing hardship for the homeowners
- Refusing to pay covered claims
- Denial that the loss was covered by the policy
- Classifying damage under “wear and tear”
- Offering lowball settlement payouts
Insurance companies are notorious for making homeowners low offers. This tactic is often successful, baiting policyholders into taking the first payout. Don’t take the bait! Insurance companies know that you are hurting for money to make repairs and clean up after a natural disaster.
Get Help from a Houston Home Insurance Dispute Lawyer
Documentation is very important in all bad faith insurance claims. The lawyers at Powers Law Firm, experienced in Houston home insurance disputes, can use the information you gather to fight the insurance company’s greed. Documentation can be provided in many forms, including:
- Photographs of damaged items
- Receipts of purchase
- Video of real time damage
- Contractor estimates
- Recorded serial numbers of damaged items
If the damage is covered by your policy and insurance is refusing to pay for the damage, you may have a case for a bad faith claim. Our attorneys will start by collecting information on your policy and your damage documentation. We handle the bad faith claim and negotiations, keeping you informed and notified if the insurance company changes its mind. If they won’t budge, Powers Law Firm is prepared to represent you and your claim in a lawsuit.
Contact Houston Insurance Attorney Kevin Powers for a free case evaluation.