Insurance Law
Our attorneys at Johnson Reist PLLC have a long history of representing both insurance carriers and insureds in coverage disputes as well as claims against insurance agents for their failure to procure the proper insurance coverage. Interpreting insurance policies can be difficult, and insurance carriers have lawyers working to protect them. Individuals and businesses also need legal counsel to ensure that their claims are covered and to help advocate for them.
Types Of Insurance Disputes We Handle In Texas
Our legal team manages diverse insurance matters throughout the state. We provide representation for several types of coverage and responsibility disputes, including:
- Homeowners insurance claim denials: We evaluate homeowners insurance claims and coverage denials.
- Commercial property insurance disputes: Our firm resolves commercial property disputes and property value issues.
- Bad faith insurance practices: We analyze claims involving allegations of unfair treatment or settlement practices.
- Underinsured/uninsured motorist claims: We secure compensation through underinsured and uninsured motorist claims.
- Life insurance claim denials: Our lawyers challenge life and health insurance claim denials.
- Disability insurance denials: We assess disability insurance claim denials and eligibility.
- Errors and omissions (E&O) claims against agents: Our firm handles claims involving professional mistakes by insurance agents.
At Johnson Reist PLLC, we provide the clear guidance necessary to resolve these matters efficiently.
Your Rights As A Policyholder
The Texas Insurance Code provides essential protections for policyholders across the state. Under the Prompt Payment of Claims Act, insurers must acknowledge your claim within 15 days and decide on coverage within 15 business days of receiving all requested records. Once accepted, payment should be made within five business days.
If the insurer fails to meet this deadline, you can take legal action. You also have the right to an appraisal and mediation to resolve disputes before taking the matter to court.
The Insurance Claim Process In Texas
Successful claims require meticulous preparation. It is wise to consult an attorney at the first step to ensure you can meet the requirements correctly.
- File a claim: Seek professional legal advice before filing your initial claim.
- Submit relevant documents: Submit documentation like photos, receipts and official claim forms.
- Wait for the investigation: Track the investigation timeline to ensure the company meets legal deadlines.
- Consider negotiations: Consider settlement offers through mediation or appraisal to resolve disagreements.
- File an appeal: If your insurer denies your claim, you can appeal the decision with the support of your lawyer.
Proper preparation forces the insurance company to take your claim seriously from day one.
Questions Clients Are Asking About Insurance Law In Texas
Below, we answer common questions about insurance matters in the state. Understanding these points helps you decide how to handle your insurance dispute.
Can I sue my insurance company for denying my claim in Texas?
You can sue if your insurer wrongly denies a valid claim or violates policy terms.
What is the difference between a coverage dispute and a bad faith claim?
Coverage disputes involve policy wording, while bad faith involves unfair or dishonest actions.
Our firm can help you address your concerns about these legal requirements to secure approval.
Contact Us To Schedule A Free Consultation About Insurance Law Today
Have you or your business paid for an insurance policy only to have your claim denied by your insurance company? Interpreting an insurance policy can be confusing. Let our experienced attorneys at Johnson Reist PLLC help you. Contact us today at 469-501-ALLY to schedule a free consultation.