You know your property damage claim is valid. Do not let your insurance company tell you otherwise. Be aware that insurance companies regularly deny valid claims. That is how they thrive. At South Texas, we are dedicated to overcoming denied claims and making certain that you are paid promptly and fully.
We handle homeowners insurance disputes and business insurance disputes, typically involving denied property damage claims related to wind, hail, hurricane, tornado, fire, smoke or water damage.
Did the Insurance Company Conduct an Outcome Oriented Investigation?
We have insight into how insurance companies operate, thanks to the fact that our founder, is a former insurance defense lawyer. We know that insurance companies conduct outcome oriented investigations designed to gather the information necessary to support their preferred outcome: the denial of your claim.
We are prepared to gather the information necessary to fill in the gaps left by the insurance company, information that will prove that you are rightfully entitled to compensation under your homeowners insurance or business insurance policy. If necessary, we will bring in experts to support the claim. When the insurance company continues to refuse to play fair, we will fight for fairness. We are not afraid to take on these big businesses.
You Have Been the Victim of Bad Faith Insurance
When an insurance company breaches the contract it made with the policyholder, it is referred to as bad faith insurance. There may have been an insurance agent error or insurance agent negligence. We will file suit against the insurance company in order to do what is right for you.
Wind knocked down a tree that fell onto your garage and destroyed it. Hail pelted your home wreaking havoc on the roof and siding. A hurricane made your house unlivable. A tornado tore through your business ruining your inventory. You filed a property insurance claim, only to have it denied or underpaid by the insurance company.
The solution to these problems We handle homeowners insurance disputes and business insurance disputes every day, fighting for fairness against insurers that fail to fulfill their promises to policyholders who file wind, hail, hurricane and tornado damage claims in South Texas.
Why Was Your San Antonio Storm Damage Claim Underpaid or Denied? Our Lawyer Can Help.
Policyholders frequently contact us in a state of shock. They are angry that they have been forced to contact an attorney to overcome a denied or underpaid claim, and they are surprised that the insurance company is treating them this way. They often ask us why their claim has been denied or underpaid.
In many cases, the answer has to do with documentation. If wind destroyed your garage, documentation may not show the extent and cost of the damage to the insurance company’s satisfaction. If your roof and siding were damaged by hail, documentation may not clearly define how much money will need to be spent on repairs. If your home was made unlivable by a hurricane, you may have forgotten to provide documentation about the cost of staying elsewhere while the repairs were made. If you lost business inventory because of a tornado, you may not have fully documented all the inventory that was lost.
With more than 20 years of experience on our side, we know what insurance companies are looking for. We know how to put together claims that make it clear how much money you need and why. If the insurance company still wants to fight, we are prepared to fight.
The Texas Deceptive Trade Practices Act (DTPA) was designed to protect consumers against unscrupulous businesses. we frequently bring this law into play in cases involving underpaid and denied insurance claims. We also use it to protect people who have been the victims of an insurance agent’s misrepresentation, a realtor’s failure to disclose problems with a property or a contractor’s false promises about the quality of the work done.
Essentially, any time a business in any industry dupes a consumer by stating that goods or services will be of a certain level of quality or feature certain characteristics, and then provides goods and services that are substandard, we can put the DTPA into action. We frequently use it in construction defect and contractor dispute cases, as well as insurance disputes.
How Insurance Companies Violate the Deceptive Trade Practices Act
Was a misrepresentation made by an insurance agent when you were sold homeowners insurance or business insurance? After you filed your claim, did the insurance company improperly investigate it in order to find a reason to deny or underpay? Was your claim wrongfully denied or underpaid? These types of actions constitute violations of the DTPA.
What the DTPA Entitles You To
With more than 20 years of experience on our side, we know just how important it is to look for opportunities to file a DTPA claim. While a bad faith insurance claim allows us to recover the actual damages that resulted from the insurance company’s breach of contract, the DTPA claim may allow us to also recover additional money for you, including attorney fees. The insurance company may be responsible for punitive damages. This is the money the insurance company must pay you as a form of punishment for its wrongdoing.
Considering the stress that has resulted from the insurance company’s mishandling of your property damage claim, we want to help you recover as much as possible.
