After you’ve faced property damage from a natural disaster, theft, or regular wear and tear, you expect the insurance company to promptly and fairly compensate for your losses. Unfortunately, they will sometimes unfairly delay or deny your claim. The good news is that this rejection is not the final answer, and you don’t have to dispute their decision alone.
A Texas bad faith insurance claim lawyer with Carrigan & Anderson, PLLC, can go to bat for you. Our founders, Stephen P. Carrigan and David M. Anderson, have over 40 years of experience in personal injury and insurance law, and they’re standing by to apply their knowledge to your case. Call us today to learn more about how our Texas insurance claims lawyers can serve you.
What Our Texas Bad Faith Insurance Claim Lawyer Can Do for You
You pay a monthly premium to your insurance company so they can cover damage your property sustains. When your insurer resists paying out your claim, going up against it and fighting for compensation can seem daunting—especially as you try to regain a sense of normalcy after the event.
But when you hire Carrigan & Anderson, PLLC, you can focus on getting your life back in order. In the meantime, your attorney can take care of the following:
- Reviewing your insurance policy
- Collecting evidence to support your claim
- Determining how the insurance company acted in bad faith
- Hiring an expert witness
- Reading, completing, and submitting the required insurance forms
- Managing verbal and written communication with the insurance company
- Filing a bad faith claim with the Texas Department of Insurance (TDI)
- Arguing your case at trial if necessary
You will never be left in the dark when you have our Texas bad faith insurance claim lawyer working for you. They will provide consistent updates on your case and answer any questions you have as soon as possible. You can even text David or Stephen; they respond seven days a week.
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.
Signs That Your Insurance Company Has Engaged in Bad Faith Practices
Texas Insurance Code § 541.060 outlines the bad faith practices an insurance company might employ to avoid fulfilling its duties as stated in the policy. Examples of these tactics include:
- Doesn’t investigate your case within the appropriate time frame
- Denies your claim without explanation
- Devalues your claim
- Misrepresents the language in your policy
- Unnecessarily delays paying out your claim
- Offers a low settlement amount
- Uses threatening tactics
- Demands unnecessary, irrelevant information for your claim
Insurance companies are like any other business. They have their bottom line and want to keep it. After all, they lose money when they cover their policyholders’ damages, but that shouldn’t keep them from honoring the policy terms.
Don’t let them get away with engaging in these unfair tactics. Contact Carrigan & Anderson, PLLC, today to learn more about how our attorneys can combat the questionable strategies the insurer may use. We offer free, no-obligation case reviews.
Texas Bad Faith Lawyer Near Me 361-884-4437
Important Deadlines the Insurance Companies Must Keep in Texas
Texas enforces laws to protect policyholders from bad faith insurance tactics. According to the Texas Homeowners’ Bill of Rights, insurance companies must comply with these deadlines to avoid unnecessary delays:
- 15 days to acknowledge receipt of your insurance claim
- 15 days to decide whether to approve or deny the claim
- Five days to pay the claim after approving it
Sometimes, the insurer extends the designated time frames. Still, if it drags your claim out unnecessarily, our attorneys can help move things along and file a lawsuit if needed.
Representing the injured in all areas of Texas that extends back over 40 years
Our Texas Bad Faith Insurance Claim Lawyers Can Help You Seek Compensation
It’s difficult for us to determine how much you can get for your claim since each case differs. Its value depends on your policy inclusions and the losses you sustained. For example, a homeowners insurance policy may cover losses that a commercial property policy doesn’t. In any case, our Texas homeowners insurance claim lawyer can assist you with related matters.
David serves policyholders and claimants who have dealt with insurance companies that delay or reject claims. Steve is a civil trial lawyer who has practiced law for nearly four decades. With that said, we have seen many cases over the years and noticed many similarities. You could receive compensation for bad faith tactics that affect claims for the following:
- Theft and vandalism
- Clothing and shoes
- Primary dwelling and relocation expenses
- Electronics
- Furniture
- Structural damage
- Lawn care
Keep in mind that you could qualify to recover other damages that we haven’t listed here. After reviewing your policy, our attorneys will help ensure that you procure fair compensation for your losses.
You need a skilled advocate to protect your legal rights and present your claim in such a way as to maximize your recovery.
Filing a Lawsuit for a Texas Bad Faith Insurance Claim
We must follow bad faith insurance claim laws in Texas, including the statute of limitations. If we must file a lawsuit, we must comply with the two-year deadline that Texas Insurance Code § 541.162 enforces. It either begins on the day the insurance company committed a bad faith practice or the day you discovered it.
Our Texas insurance law attorney can identify and help you meet the applicable deadline. Please notify our firm about your case as soon as possible. That way, we won’t risk any delays. If we try to file past the two-year deadline, you might miss the chance of recovering compensation.
Connect With Our Firm Today for Help With Your Texas Bad Faith Insurance Claim
Our Texas bad faith insurance claim attorney can help you receive fair treatment throughout the rest of the claims process. Call Carrigan & Anderson, PLLC, today for a free consultation and learn more about us. Because we work on a contingency-fee basis, you won’t pay us anything unless we secure a financial award for you.
At Carrigan & Anderson, PLLC we can talk to you about your options and rights.
