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(713) 840-1411

Insurance Claims

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Texas Insurance Claim Attorneys

Aggressive and Business-Minded Insurance Claim Attorneys for Texas Insurance Customers

Insurance carriers are very good at regularly collecting insurance premiums from property owners and other insurance policyholders throughout Texas. They do an even better job at canceling the insurance coverage as soon as you miss your first payment. However, when it is the insurance companies’ turn to pay you after a life-altering situation occurs, many insurance companies do not fully honor their side of the bargain.

The Lawyers at the Padua Law Firm, PLLC refuse to allow this common behavior and focus on litigation that will force the insurance companies to pay for rightful claims of Texas policyholders. Our insurance claim lawyers have the exceptional educational backgrounds , experience, network of experts/consultants, and resources to ensure that you maximize your compensation for all of your covered damages, as well as receive additional compensation for the “bad faith” actions of your insurance company.

When You Regularly Pay for Insurance Coverage, You Expect Your Insurance Company to Compensate You For Your Loss. Don’t let yourself get cheated by your insurance company!

Many Texan business owners and home owners decide to pursue insurance claims on their own, and many end up having their claims denied, underpaid, or significantly delayed. If you do decide to pursue a claim without any legal assistance, make sure that you educate yourself and that you are aware of all the risks involved. Be aware, that there are steps that you could take that could significantly damage your claim or related Court litigation in the future.

If you would like Assistance with any of the following types of Insurance Claims, Call us at (713) 840-1411 for a Confidential and No-Obligation Consultation:

  • Hurricane Damage Claims
  • Flood Damage Claims
  • Wind Damage Claims
  • Fire Damage Claims
  • Business Interruption Claims
  • Life Insurance and Health Insurance Claims


Schedule a Free Consultation Today.

We can advise you on how we can help you and discuss your property insurance claim in more detail.

Insurance Carrier’s Fiduciary Duty to their Insured’s and Obligations to pay claims in a “Timely and Prompt Manner.”

As an insurance policy holder in Texas, you are owed a financial fiduciary duty from your insurance carrier. This requires the insurance company to act in good faith when they are processing your claim. To regulate this, the State of Texas has a set of statutes, laws, and codes that insurance carriers doing business in this state must comply with. If this set of regulations is not followed, property and business owners may be entitled to financial compensation.

Under the Texas Insurance Code, insurance companies are generally required to acknowledge, evaluate, and pay or deny claims in a “Timely and Prompt Manner.” Once a claim has been filed, the insurance company is generally required to:

  • Acknowledge and begin investigating the claim within 15 days;
  • Notify the claimant whether the claim has been accepted or denied within 15 business days (although insurance co. may request additional time, usually up to 45 days);
  • Pay an accepted claim within 60 days of receiving any requested material;
  • Pay an accepted claim no later than 5 business days after notification of approved payment or after the claimant performs any required action upon which payment is conditional.

What are some Examples of an Insurance Company Violating the Texas Insurance Regulations or Acting in “Bad Faith“?

There are too many examples and situations to list as they can vary greatly depending on the insurance company, type of insurance claim, location, and the specific details of your claim, but below are some general examples of an insurance company acting in “bad faith”:

  • Wrongfully delaying or denying a claim;
  • Attempting to settle a claim for a less than reasonable amount (i.e. to “low ball” and underpay a claim);
  • Failing to provide a reasonable explanation for denying, delaying, or underpaying a claim;
  • Requiring unnecessarily burdensome documentation in order to process a claim;
  • Failing to promptly acknowledge and reply to a claim; or
  • Failing to perform a thorough investigation of a claim.

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