Texas Underpaid Homeowners Insurance Claim Victory


Texas Underpaid Homeowners Insurance Claim Victory

Do you have an underpaid homeowners insurance claim?

Many insurance companies regard plumbing to be part of routine homeowner maintenance. Maintenance is entirely the property owner’s responsibility. Damage to pipes that develops over time because of lack of maintenance is typically not covered. Pipes in this state could potentially flood an entire house, causing catastrophic damage! Many Insurance agencies will deny or send you away with an underpaid homeowners insurance claim. For an insurance company to cover a broken pipe, the burst must have occurred suddenly and by accident, and should not have been easily preventable. If an ignored leaking pipe suddenly burst, the insurance company’s agents will look for evidence of a long-term leak and will likely deny your claim. Some insurance policies look at the differences in what is referred to as “resulting damage” versus “initial damage”. If water damage resulting from a broken pipe or appliance is addressed in your insurance policy, then you could be compensated for all or some of the damages…even if those damages did not occur instantly. 

When a pipe does burst, homeowners insurance typically covers carpets or rugs, flooring, drywall, and paint in most cases. Any clean-up service may also be included in your coverage. Sadly, the cost of the problem, repairing the busted pipe or replacing the broken appliance is generally not covered.

What Came First? The Foundation Damage Or The Pipe Burst?

In the case of a client of ours out of Montgomery, Texas, the family of three experienced a pipe burst the wall of their garage. The pipe burst leaked sewage onto the garage floor and the resulting odors penetrated the house for a year before the case was resolved. Because the insurance claim was underpaid, the homeowner had little choice but to clean up the mess himself which ultimately lead to him getting E.coli and requiring urgent medical attention. 

Along with the damage to the garage and living with the sewage smell inside their home for a year, our client lost all personal possessions in the garage when it flooded. Their insurance company sent out an adjuster and an engineer to handle the carrier’s side of the insurance claim and both remarked the damage could be from the foundation moving, citing cosmetic repairs which had been made to the foundation’s corners. Our adjuster determined that the damage was indeed sudden and accidental and covered under the homeowner’s insurance policy. This slight on the insurance company’s end made it possible for us to pursue 8 times the initial payout to our client from the insurance company, allowing our client to make the appropriate repairs and get on with life without the smell of sewage in their home.

What Can You Do To Prevent Your Water Damage Claim From Being Denied?

Make sure you have any repairs to your home well documented. Keep any receipts from any professional services that may have worked on your pipes or home. These records can make or break a denied, delayed, or underpaid homeowners insurance claim. Replace pipes that have outlived their structural integrity. Inspectors can find tell-tale evidence of a slow leak and can deny your insurance claim accordingly. Know where the shutoff valve for your home is at in case you need to turn off the water quickly. Make your best effort to prevent your pipes from freezing. Wrap pipes, leave them to drip when appropriate, heat the home, and so on.

Filing A Claim Tips

  • Keep proof that you paid the deductible for your claim. State law allows insurance companies to ask for verification, like a receipt or check stub, that you paid for repairs in the amount of your deductible.
  • Keep your receipts for temporary repairs, but don’t make any permanent repairs until the insurance adjuster authorizes you to do so. Failure to do so may complicate the payment of your claim.
  • Look over your policy. Determine what is covered and what is not and any deductibles there may be. Contact your insurance agent if you are uncertain about your coverage.
  • Document your communication with the insurance company. Record the date, name, and role of each person you speak with and the content of the conversation.
  • Get a second opinion. Get repair bids from other contractors and compare them with the insurance adjuster’s report before resolving your claim.
  • Assert your right to the protection you paid for and be prepared to negotiate for a fair settlement of your claim.
  • Be present during the claim adjusters’ visit so you can point out all of the damage.
  • Document the damage. Photos and videos can strengthen your claim.
  • Be patient. Every insurance company handles claims differently.

Should I Hire An Attorney?

If you have an underpaid homeowners insurance claim and you think your insurance policy covers your loss and your insurer doesn’t, or if you feel the damage you sustained is far more than what your insurance company compensates you for, or if your carrier neglected your claim altogether, then the Texas Insurance Code allows recovery of “actual damages, plus court costs and reasonable attorney’s fees” and if the insurer acted in bad faith you may pursue an award of up to “three times the number of actual damages.”

If you’re unsure of whether or not your situation warrants filing a claim against your homeowner’s insurance company, contact us. Free consultation. No recovery equals no fee.

Related Posts

63 Responses
  1. my name is Peggy Kandies, and I have a horrible story to tell about Liberty Mutual”s Delay, Deny, and Defend tactics, recommended by McKinsey Consultants .They will do things you would believe.

  2. I am currently writing a paper that is very related to your content. I read your article and I have some questions. I would like to ask you. Can you answer me? I’ll keep an eye out for your reply. 20bet

  3. I am currently writing a paper that is very related to your content. I read your article and I have some questions. I would like to ask you. Can you answer me? I’ll keep an eye out for your reply. 20bet

  4. Howdy, i read your blog occasionally and i own a similar one and i was just wondering if you get a lot of spam remarks? If so how do you stop it, any plugin or anything you can suggest? I get so much lately it’s driving me crazy so any help is very much appreciated.

  5. What I have seen in terms of personal computer memory is the fact there are specifications such as SDRAM, DDR etc, that must go with the features of the motherboard. If the pc’s motherboard is very current and there are no computer OS issues, changing the memory space literally normally takes under one hour. It’s among the easiest laptop or computer upgrade processes one can envision. Thanks for giving your ideas.

  6. Наша команда опытных исполнителей готова предоставить вам актуальные методы, которые не только обеспечат надежную протекцию от холодильности, но и подарят вашему коттеджу модный вид.
    Мы деятельны с новыми материалами, подтверждая прочный срок службы работы и блестящие эффекты. Изоляция облицовки – это не только сокращение расходов на отапливании, но и заботливость о экосистеме. Сберегательные технические средства, каковые мы претворяем в жизнь, способствуют не только жилищу, но и сохранению природных ресурсов.
    Самое основополагающее: [url=https://ppu-prof.ru/]Стоимость утепления фасада дома под ключ[/url] у нас стартует всего от 1250 рублей за квадратный метр! Это бюджетное решение, которое изменит ваш помещение в истинный тепловой уголок с минимальными издержками.
    Наши труды – это не только изоляция, это создание территории, в где любой деталь отражает ваш свой образ. Мы возьмем во внимание все твои желания, чтобы переделать ваш дом еще больше гостеприимным и привлекательным.
    Подробнее на [url=https://ppu-prof.ru/]https://stroystandart-kirov.ru/[/url]
    Не откладывайте занятия о своем корпусе на потом! Обращайтесь к специалистам, и мы сделаем ваш жилище не только уютнее, но и стильнее. Заинтересовались? Подробнее о наших работах вы можете узнать на интернет-портале. Добро пожаловать в сферу удобства и качественного исполнения.

  7. Наша бригада квалифицированных мастеров подготовлена выдвинуть вам современные технологии, которые не только снабдят прочную безопасность от холодильности, но и подарят вашему коттеджу стильный вид.
    Мы эксплуатируем с последними строительными материалами, сертифицируя долгий время использования и превосходные выходы. Утепление облицовки – это не только экономия ресурсов на обогреве, но и заботливость о природной среде. Спасательные подходы, какие мы применяем, способствуют не только вашему, но и поддержанию природных ресурсов.
    Самое центральное: [url=https://ppu-prof.ru/]Утепление стен фасада цена[/url] у нас открывается всего от 1250 рублей за квадратный метр! Это доступное решение, которое изменит ваш хаус в реальный уютный район с минимальными затратами.
    Наши достижения – это не только теплоизоляция, это формирование области, в где любой аспект преломляет ваш уникальный модель. Мы примем во внимание все твои требования, чтобы преобразить ваш дом еще более теплым и привлекательным.
    Подробнее на [url=https://ppu-prof.ru/]www.stroystandart-kirov.ru[/url]
    Не откладывайте заботу о своем корпусе на потом! Обращайтесь к профессионалам, и мы сделаем ваш дом не только более теплым, но и изысканнее. Заинтересовались? Подробнее о наших предложениях вы можете узнать на сайте компании. Добро пожаловать в пределы комфорта и стандартов.

  8. Amanahtoto adalah situs yang menyediakan berbagai jenis permainan judi online, seperti togel, slot, casino, sportsbook, dan poker. Amanahtoto memiliki lisensi resmi dari PAGCOR, sehingga saya tidak perlu khawatir tentang legalitas atau kecurangan. Amanahtoto juga memiliki sistem keamanan yang canggih, sehingga data dan transaksi saya terjamin aman dan rahasia. main toto terbaik ? di permainan toto

Leave a Reply

The Chad T. Wilson Law Firm Office Locations

455 East Medical Center Blvd.,
Suite 555
Webster, TX 77598

1001 Bannock Street, Suite 239 Denver, CO 80204
1240 Winnowing Way, Suite 102 Mt Pleasant, SC 29466
630 W. Prien Lake Rd., Suite B Lake Charles, LA 70601
650 Poydras St, Suite 1400 PMB #6018, New Orleans,
LA 70130, United States

41001 Bannock Street,
Suite 239
Denver, CO 80204

1240 Winnowing Way, Suite 102 Mt Pleasant, SC 29466