Your Insurer Is Stalling. Texas Law Requires Prompt Action.
Insurance companies are required by Texas law to acknowledge, investigate, and resolve claims within specific timeframes. If your claim has been sitting for weeks or months without resolution, you may have legal options.
No out-of-pocket fees unless recovery is made. Se Habla Español.
How We Help
When Your Insurance Company Won't Move on Your Claim
Waiting for your insurance company to act on a storm damage claim is one of the most frustrating experiences a property owner can face. While your home or business sits damaged, the insurer may be slow to schedule an inspection, slow to respond to your calls, or simply unresponsive for weeks or months at a time.
Texas law imposes specific deadlines on insurance companies. Insurers are required to acknowledge receipt of a claim within 15 days, accept or deny the claim within 15 business days of receiving all requested information, and pay accepted claims within 5 business days. Violations of these deadlines can entitle policyholders to additional remedies under Texas law.
If your claim has been delayed without a clear explanation, a free legal review can help you understand whether the insurer has violated its obligations — and what can be done about it.
Know Your Rights
Common Insurance Company Tactics
Insurance companies use these tactics to reduce or deny valid claims. Knowing what to look for is the first step.
Repeated Information Requests
Requesting the same documents or information multiple times to extend the claims process.
Slow Inspection Scheduling
Taking weeks or months to schedule an initial inspection or re-inspection.
Unresponsive Adjusters
Failing to return calls or respond to written communications for extended periods.
Unnecessary Investigations
Opening investigations that aren't warranted by the facts to delay resolution.
Reassigning the Claim
Repeatedly reassigning the claim to new adjusters, requiring the property owner to start over.
Vague Status Updates
Providing vague or non-committal status updates that don't move the claim forward.
Our Review Process
What We Look for in Your Claim
FAQ
Common Questions
How long does an insurance company have to respond to a storm damage claim in Texas?
Under Texas law, insurers must acknowledge receipt of a claim within 15 days, accept or deny the claim within 15 business days of receiving all requested information (or 45 days in some circumstances), and pay accepted claims within 5 business days. Violations of these deadlines can entitle policyholders to additional remedies, including interest on the delayed payment.
What can I do if my insurer keeps asking for more information?
Repeated or unreasonable information requests can be a delay tactic. You are required to cooperate with a reasonable investigation, but the insurer cannot demand the same information repeatedly or request information that isn't relevant to the claim. We can review the insurer's requests and advise whether they are reasonable.
Can I be compensated for the delay itself?
Under Texas law, if an insurer violates the prompt payment statute, you may be entitled to interest on the delayed payment at a rate of 18% per year, plus attorney's fees. We can review your situation to determine whether prompt payment penalties may apply.
My claim has been delayed for months. Is it too late to get help?
Probably not, but time limits do apply. Contact us as soon as possible — the sooner you act, the more options you'll have.
Related Practice Areas
Before You Settle, Know Your Rights.
Get a free claim review from Michael R. De Leon. No out-of-pocket fees unless a recovery is made. Serving all of South Texas and the Rio Grande Valley.
Not sure if you have a case? Start with a free review. Se Habla Español.