No one should struggle to recoup compensation for repairing or replacing their insured property. If Liberty Mutual denied your homeowners’ insurance claim after your home sustained damage in a fire, natural disaster, or other covered event, a Corpus Christi homeowners’ insurance claims lawyer can help you get the coverage your insurance policy provides.
Your attorney will review every page of your policy, document the damage to your home, and take on the insurance company. They’ll also help you gather evidence, file a timely and effective appeal, and fight for financial recovery.
Most law firms will review the details of your claim for free, allowing you to understand your rights and your insurance company’s obligations.
Document Why Liberty Mutual Denied Your Homeowners’ Claim in Texas
Not every denied homeowners’ insurance claim can be appealed. For example, if your insurer denied your claim due to a lapse in coverage or because your property damage was not a covered loss, you might not have a cause of action.
Some reasons insurers deny claims for which you might have a valid reason to appeal include the following:
- Typos or administrative errors
- Suspicions of insurance fraud
- Claims of negligence or normal wear and tear
- Insufficient documentation of your losses
Bad faith insurance tactics include delaying your claim without reason, refusing to investigate your claim, and misrepresenting some or all of your policy. If Liberty Mutual engaged in bad faith insurance tactics, your legal team will uncover them and inform you of your legal and financial recovery options.
Your Lawyer Will Explore Your Liberty Mutual Policy in Detail
Insurance agents tailor homeowners’ policies to fit each specific property and its owner, including the amount of coverage, the deductible, and any optional coverage. You’ll want to provide your lawyer with a copy of your policy, including:
- The main body of your contract
- Any amendments or add-ons
- The declarations page
- A description of covered losses
- Replacement cost vs. actual cash value
An insurance claim is a complex legal contract. Your lawyer can fight to have your insurance company meet its obligation by understanding all the details and nuances of your claim.
If your property damage is included as a covered loss per your Liberty Mutual policy, your attorney will not stop fighting for your financial recovery.
We have offices in Houston, Corpus Christi, and Victoria; and will travel to any corner of Texas if we are capable of preventing an injustice.
How to Appeal if Liberty Mutual Denied Your Homeowners’ Insurance Claim
You expect your insurance company to step up when you really need it. Some common reasons Texas homeowners file insurance claims include:
- Fire damage
- Flood damage
- Hail damage
- Hurricane damage
- Pipe damage
- Storm damage
- Tornado damage
- Water damage
- Window damage
Keep detailed records and evidence that support your insurance claim. Learning that your insurance company will not provide the coverage you anticipated can be stressful and scary, but it does not have to be the end of your fight. To file an appeal:
- Follow the specific guidelines of your policy’s appeal process
- Provide proof of the reason for the denial
- Comply with all applicable notification and filing deadlines
- Add evidence to your previously submitted claim
- Document the pre-incident and current state of your home
If appropriate, your lawyer can also file a complaint with the Texas Department of Insurance (TDI) on your behalf. Consider this option if bad faith insurance tactics affect your claim.
Build a Compelling Collection of Evidence to Support Your Homeowners’ Claim
Your initial claim and appeal can require substantial evidence, which will vary based on the damage your property sustained. Evidence that can support your appeal includes:
- Before and after photos of your home
- Pictures and receipts for your belongings
- Police, fire, or other official reports
- Receipts for living expenses if you must reside elsewhere due to the covered event
Your lawyer will review all the evidence submitted with your original claim. They will also present your evidence and Proof of Loss statement during your appeal. If needed, they will consult with subject matter experts (based on the cause of your property damage), including home repair and homebuilding experts.
The Benefits of Hiring a Lawyer if Liberty Mutual Denied Your Insurance Claim
How you filed your claim, the evidence you submitted, and what you said to the insurance adjuster will make a difference in how Liberty Mutual handles your claim. Your lawyer can communicate on your behalf, allowing you to avoid saying or signing anything that might unintentionally hinder your claim.
Your insurance claims attorney will:
- Protect you from a speedy, but flawed, settlement
- Defend you from the harm of bad faith practices
- Read and review your policy in detail
- Review Liberty Mutual’s reason for denying your claim
- Add to your previously submitted evidence file
- Identify additional insurance policies to pursue
The claims adjuster works for the insurer and has its bottom line in mind. The lawyer you choose will keep your best interest at the forefront of your case and work hard to maximize your financial recovery.
Get Legal Service and Support With No Out-of-Pocket Cost to You
Most insurance claims lawyers will accept your case without requesting a retainer or charging hourly fees. Instead, they will cover all the costs of collecting evidence and filing your insurance claim.
The contingency fee agreement covers all the costs of appealing your denial. The lawyer representing you will receive compensation only if you do, meaning you will owe nothing if you do not obtain a financial award.
Representing the injured in all areas of Texas that extends back over 40 years
Carrigan & Anderson, PLLC Can Help if Liberty Mutual Denied Your Claim
If Liberty Mutual denied your homeowners’ claim, you do not have to accept its rejection without a fight. Carrigan & Anderson, PLLC will take on the insurance company, collect evidence to supplement your claim and fight hard for the compensation you need to repair or rebuild your home.
Find out what our team can do if Liberty Mutual denies your homeowners’ insurance claim. Contact one of our consultation team members today to get started.
At Carrigan & Anderson, PLLC we can talk to you about your options and rights.
