Texas Home Insurance Claim Lawyer
Homeowners in Texas may face numerous hurdles when filing property damage claims. Common issues include disputes over the extent of coverage, delays in claim processing, and undervaluation of damages by insurance companies. Texas insurance laws provide protections for policyholders, but dealing with these legal intricacies requires professional skill.
With home insurance claim assistance in Texas from Larry Moskowitz, PA, homeowners can challenge claim delays, undervaluations, and denials to ensure they receive the compensation necessary to repair and rebuild their homes.
Types of Home Insurance Coverage
With dedicated services from our Texas home insurance attorneys, you can be confident that your claim is in good hands.
Dwelling Coverage
Dwelling coverage is the primary component of home insurance, protecting the physical structure of your home against damage from perils such as fire, windstorms, and hail. Our Texas property damage lawyers will ensure that any claims for structural damage are thoroughly assessed, documented, and presented to the insurance company to secure compensation for repairs or rebuilding.
Other Structures Coverage
This coverage protects structures on your property that are not attached to your home, such as garages, sheds, and fences. Claims for these structures often get undervalued. Our Texas home insurance claim attorneys will advocate for the rightful valuation and ensure all damages are covered appropriately.
Personal Property Coverage
Personal property coverage includes protection for your belongings inside the home, such as furniture, electronics, and clothing. Insurance companies may depreciate the value of these items unfairly. We will negotiate to get you the actual cash value or replacement cost necessary to replace your damaged or lost belongings.
Loss of Use Coverage
If your home becomes uninhabitable due to a covered peril, loss of use coverage helps pay for additional living expenses, such as hotel stays and meals, while your home is being repaired. Our Texas home insurance law firm can provide legal representation to ensure you receive the full extent of this coverage, minimizing out-of-pocket expenses.
Liability Coverage
Liability coverage protects you if someone is injured on your property or you are found responsible for damage to someone else’s property. A Texas home insurance attorney can ensure that claims related to personal injury liability are handled professionally, defending against unfair denials.
Medical Payments Coverage
This coverage pays for medical expenses if someone is injured on your property, regardless of fault. Our legal team will work diligently to have your claims processed quickly and accurately, helping you avoid additional financial burdens.
Hurricane Damage
Our extensive experience with hurricane claims ensures that you will receive full compensation for structural damage, roof damage, and various other types of property damages and losses incurred due to the storm.
Windstorm and Hail Insurance
In Texas, windstorms and hail damage often require separate endorsements or policies, especially in high-risk coastal areas. A home insurance claim lawyer in Texas can negotiate with the insurance adjuster for the full coverage of your wind and hail damage claims.
Flood Insurance
Flood damage is typically not covered under standard home insurance policies and requires a separate flood insurance policy. Our team will strongly represent you in claims with the National Flood Insurance Program (NFIP) or private insurers.
Policy Inclusions in Texas
Our home insurance attorneys in Texas will identify all the covered perils and collect the necessary evidence and documentation. Many insurance companies cover the following perils in the policy:
Fire
- Coverage Description: Protects against damage caused by fire, including structural damage and loss of personal belongings
- Evidence and Documentation: Fire department reports, photographs of the damage, repair estimates, and receipts for lost items
Vandalism and Theft
- Coverage Description: Covers losses due to vandalism or theft, including damage to the property and stolen items
- Evidence and Documentation: Police reports, photographs of the damage, inventory of stolen items, and proof of ownership will be compiled
Lightning Strikes
- Coverage Description: Protects against damage caused by lightning strikes, which can cause fires and electrical damage
- Evidence and Documentation: Electrician reports, damage assessments, photographs, and repair invoices will be collected
Wind
- Coverage Description: Covers damage caused by high winds, including damage to roofs, siding, and other structural elements
- Evidence and Documentation: Wind damage assessments, meteorological reports, photographs, and repair cost estimates will be gathered
Hail
- Coverage Description: Protects against damage caused by hail, which can affect roofs, windows, and exterior surfaces
- Evidence and Documentation: We will work with roofing experts and contractors to document hail damage, including photos, videos, and expert testimonies
Explosions
- Coverage Description: Covers damage resulting from explosions, which can cause significant structural and personal property damage
- Evidence and Documentation: Incident reports, photos/videos of the damage, structural assessments, and repair estimates will be compiled
Falling Objects
- Coverage Description: Homeowners’ insurance protects against damage caused by falling objects, such as tree limbs or debris
- Evidence and Documentation: Photographs, video footage, expert reports, and repair estimates
How Our Texas Home Insurance Lawyers Protect You Against Common Pitfalls that Cause Claim Denials
Our Texas insurance dispute attorneys leverage our extensive experience to ensure that your valid claim is handled effectively. To learn more about residential property damage claims and homeowner’s insurance coverage, read these Frequently Asked Questions.
Incomplete Paperwork
Incomplete or improperly filled paperwork is a common reason for property damage claim denials. Missing information, incorrect details, or lack of necessary documentation can halt the progress of your claim.
Attorney Moskowitz and his team diligently review all paperwork to ensure it’s complete and accurate. They will guide you through the documentation process, making sure all necessary forms are filled out correctly and that all required supporting documents are included.
Policy Cancellations or Lapses
Insurance companies may deny claims if there has been a lapse in the policy or if the policy was canceled due to non-payment or other reasons. This can leave you unprotected and facing significant out-of-pocket expenses.
We will carefully review your policy history to ensure it’s active and in good standing. If there are issues related to policy lapses or cancellations, we will work with the insurance company to clarify, negotiate, and resolve insurance claim disputes.
Disputed Damage Assessment
Disputes over the extent and cause of damage are common in insurance claims. Insurance companies may undervalue the damage or argue that it’s not covered under the policy, leading to partial or full claim denials.
Larry Moskowitz, PA employs a “Boots on the Ground” approach, assembling a team of experts to thoroughly assess the damage. This team includes contractors, engineers, and other specialists who can provide detailed and credible assessments of the damage. We are also prepared to pursue bad faith claims when necessary.
Choose a Top-Rated Texas Home Insurance Claim Lawyer for Financial Recovery
Our Texas home insurance lawyers provide end-to-end claim management, from the initial filing to negotiating with the insurance company and, if necessary, litigating on your behalf. Our goal is to ensure that you receive maximum compensation, without the stress and uncertainty that usually accompany the claims process. To schedule your free consultation, call us at (844) 849-0760 or contact us online.