Your Claim Was Denied. That's Not the End.
A denial letter from your insurance company is not a final answer. Texas law gives you the right to challenge a denial — and we can help you understand whether the denial was proper and what your options are.
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How We Help
Challenging Denied Storm Damage Claims in South Texas
Receiving a denial letter after a storm damages your property is frustrating — but it is not the end of the road. Insurance companies are required to provide a written explanation for any denial, and that explanation can be challenged. In many cases, denials are based on incorrect facts, misapplied policy language, or improper exclusions.
Common reasons insurers deny storm damage claims include claiming the damage was pre-existing, citing a policy exclusion that may not apply, arguing the damage is cosmetic only, or claiming the claim was filed too late. Some of these defenses are legitimate — but many are not, and they can be disputed.
Before you accept a denial, get a free legal review. We examine your denial letter, your policy, your damage documentation, and the adjuster's findings to determine whether the denial was proper — 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.
Pre-Existing Damage
Claiming the damage existed before the storm, even when the storm clearly caused or contributed to it.
Policy Exclusion Misapplication
Citing exclusions that may not apply to your specific situation or that were improperly applied.
Late Reporting Defense
Denying claims on the basis of late reporting, even when the delay was reasonable.
Cosmetic Damage Only
Denying coverage by characterizing all damage as cosmetic and therefore excluded.
Lack of Documentation
Denying claims due to insufficient documentation, even when documentation was provided.
Wear & Tear Attribution
Attributing all damage to age and maintenance rather than the storm event.
Our Review Process
What We Look for in Your Claim
FAQ
Common Questions
What should I do immediately after receiving a denial letter?
Read the denial letter carefully and keep it. Do not make permanent repairs yet. Do not sign any releases or accept any payments without understanding what you're agreeing to. Contact us for a free review of your denial letter and policy — we can help you understand whether the denial was proper and what options you have.
Can I appeal a denied storm damage claim?
Yes. You have the right to dispute a denial. Depending on your policy and the circumstances, options may include requesting a re-inspection, invoking the appraisal process, filing a complaint with the Texas Department of Insurance, or pursuing legal remedies. We can help you understand which options are available in your situation.
What if the insurer says I filed my claim too late?
Late reporting defenses are common but not always valid. Texas law and your policy both address reporting requirements, but insurers must also show that the late reporting actually prejudiced them. We can review the facts and determine whether the late reporting defense was properly applied.
Does it cost anything to challenge a denial?
We handle storm damage insurance claims on a contingency fee basis. There are no out-of-pocket attorney fees unless a recovery is made on your behalf. A free claim review costs you nothing.
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.