What if Chubb Denied My Homeowners’ Insurance Claim?

Are you struggling financially because Chubb recently denied your homeowners’ insurance claim? You could have options for getting compensation.

A lawyer in your area can review your Chubb policy and why it denied your claim. They can also help you identify any bad faith insurance tactics that might have affected your claim and take appropriate legal action.

You do not have to collect evidence and file an appeal alone. Consider consulting a law firm to see what a Corpus Christi homeowners’ insurance claims lawyer can do to help you get compensation if Chubb denies your homeowners’ insurance claim. Law firms typically provide free claim reviews and consultations that let you explore your recovery options at no out–of–pocket cost.

You Are Entitled to Written Notice of Why Chubb Denied Your Homeowners’ Claim

If Chubb denies your homeowners’ claim within 15 days of receiving it, they must notify you in writing of the reason for the denial. Some common reasons insurance claims get rejected include:

• The claim contains uncovered losses
• Damage occurred during a policy lapse
• The deductible exceeds the value of your claimed damage  
• Not providing enough information or evidence
• Suspicion of arson or other fraudulent acts
• Damage resulted from wear and tear

Take all correspondence related to your claim denial to your lawyer. Understanding the reason for your denial can help your attorney create a thorough appeal and fight for the compensation you need and deserve.

Track Expenses and Collect Additional Evidence to Substantiate Your Claim

If Chubb denied your claim due to insufficient evidence, you and your attorney can work together to collect supportive physical evidence and documents. Create a file containing:

• Pictures of your home before and after the damaging event
• Impartial official reports (e.g., police, fire, or medical)
• A detailed list of your damaged belongings 
• The claim number and insurance adjuster assigned to you
• Estimates and quotes for repairing or rebuilding your home

Include receipts in your evidence collection for boarding, tarping, or securing your property, as well as the costs of temporarily relocating your family if your home is uninhabitable. It should also include copies of all correspondence between you and the insurance company.

File Your Appeal According to Your Chubb Policy Guidelines

Your Chubb policy outlines the complaint resolution process, describing how and when to file an appeal and other critical steps.

Complying with Chubb’s process is important, so let your lawyer handle it for you. Your legal team will carefully examine every page of your policy. They can help you follow the appropriate steps and file your appeal.

Understand Your Rights as a Texas Homeowner if Chubb Denies Your Claim

According to Texas Department of Insurance (TDI) guidelines, you have the right to fair treatment and to have your claim handled straightforwardly and honestly. An act of bad faith could include:

• Undervaluing your claim
• Not investigating your claim
• Unwarranted claim denials
• Unreasonable claim delays
• Misrepresenting your policy
• Delaying payment of your claim

Inform your attorney if you suspect Chubb did not handle your claim in good faith. On your behalf, they can:

• File a civil claim against Chubb
• Report Chubb to TDI officials

If your insurer unfairly delayed or denied your homeowners’ insurance claim, you could recover damages with legal guidance and support from a local attorney.

Your Basic Homeowners’ Policy Should Cover These Damaging Events

While no two homeowners’ insurance policies are exactly alike, a basic policy should compensate you for the following property damage:

• Unintentional fires
• Lightning strikes
• Water (but not usually flood) damage
• Some smoke damage
• Explosions
• Theft or vandalism
• Aircraft damage
• Vehicle damage

Your policy should also cover your home for windstorms, hurricanes, and hail damage if you don’t live on the Gulf Coast. If it is, you might have to purchase a separate policy to cover these events. Flood damage could also require a separate policy. 

Know what your Chubb policy says about covered losses and claim denials. Let your lawyer see all the policies you purchased to cover your home and all rejection correspondence.

How a Lawyer Can Help if Your Chubb Homeowners’ Claim Was Denied

You need all the paperwork and other evidence related to your dismissal to file an insurance appeal. Once your lawyer has all this information, they can prepare a well-documented appeal. While you focus on taking care of your family, your lawyer will:

• Adhere to your Chubb policy’s guidelines 
• Meet the claim-filing statute of limitations
• Collect additional evidence case file
• Prove the nature and cause of your loss
• Complete and submit appeal paperwork
• Identify bad faith insurance practices

To help you understand what to expect during the process, your lawyer will define the typical claim or appeal timeline, including how regulations affect how long the insurer has to respond to your appeal.

You Can Hire an Insurance Claims Attorney at No Upfront Cost to You

Insurance claims lawyers often work on contingency, meaning they will cover all the costs of building your case without requesting a retainer or having you cover out-of-pocket expenses. This fee structure also allows you to file your appeal immediately. In addition, you will not have to pay hourly fees while your attorney works on your appeal.

Finally, you will only compensate the law firm if they recover damages for you. If they don’t win your case, you owe them nothing.

Get a Free Review of Your Chubb Homeowners’ Insurance Appeal

If you filed a property damage claim that Chubb denied, Carrigan & Anderson, PLLC can help you augment your claim or file a comprehensive appeal. Our insurance claim lawyers will review the reason for your denial and develop a solid strategy for appeal. 

Find out how our results-driven law firm can help you fight back if Chubb denies your homeowners’ insurance claim. Contact our consultation team today to get started.