- "I do not know what I would have done without the lawyers at LeMaster & Ahmed. When my house totally burned down and my son and I were left with nothing, I thought everything would be okay because I had insurance coverage. I was shocked when my insurer denied the claim, and felt I had nowhere to turn. Then, I met the lawyers at LeMaster & Ahmed, and they were able to get a settlement that not only enabled me to buy a new home but to rebuild my life. They were knowledgeable and they fought for me and my son. I highly recommend them to anyone that has a problem with their insurance coverage."Kevin WeisheitSpring, Texas
- "I highly recommend the lawyers of LeMaster & Ahmed, PLLC. They are very knowledgeable and skilled in insurance law and they were able to settle my claim for more than enough to make me whole. Jennifer LeMaster worked very hands-on my case and always took the time to respond to phone calls, emails, and texts. She fought hard for every settlement dollar and negotiated a better result than I could have imagined. I will use this firm for all of my insurance-related legal needs."Shannon HammonsLeague City, Texas
- "Jennifer LeMaster and her business partner Nejat Ahmed have proven to be the atypical law firm by providing personalized and exceptional legal advice. They work effectively in their client’s best interest and treat each case as a priority regardless of the size of the case. If you are looking for an extraordinary law firm with ethics, great negotiation and litigation skills, as well as providing successful results, then I highly recommend that you retain Jennifer and Nejat. I have been using LeMaster & Ahmed Law Firm for over two years and they have proven invaluable to my business."Jim LombardiSpring, Texas
- "I hired Nejat to represent me in a contractual dispute. Nejat provided excellent service and was extremely responsive to all my questions and concerns. She even took the time to explain the process and legal descriptions after hours. She was very knowledgeable of employee contracts and found issues during the process. I highly recommend LeMaster and Ahmed Attorneys at Law."Teena DavisHouston, Texas
Texas Insurance Lawyers
We represent policyholders to ensure they receive the insurance benefits they are owed.
Types of Disputes
Insurance companies deny claims for many different reasons. Improper documentation, insufficient evidence, payment shortages, and doubtful claims are only some of the most common reasons why an insurance claim might be rejected. Speak to a qualified insurance attorney if your claim has been denied.
In many cases, insurance companies will first issue a lower than reasonable offer to their policyholders as a means of saving money. Although this first offer is not final, many policyholders accept it out of financial desperation. If you believe your insurance company has underpaid your claim, speak to a knowledgeable insurance attorney.
There are different motivations behind delayed insurance claims. Depending on your claim's specifics, such as where and why it happened or how serious the damage is, your insurance company may withhold funds until they decide otherwise or are compelled by law. Speak to an experienced insurance attorney if your claim has been delayed.
Your insurance company is required to act in good faith when you file a claim. Most insurers act in good faith and abide by the law, but there some who bend the rules in an attempt to maintain profit. Any adjuster who unjustly denies a claim or reduces a payout is acting in bad faith.
Types of Policies
"We’ve spent the majority of our careers representing insurers, and now we represent only policyholders. Some of our clients don't have a house to go back to. Some of our clients don't have a business to go work in on Monday morning. And our entire goal is to put them back into the position that they would have been before that catastrophic loss."
"When our clients come to us, their insurance company has turned their back on them, so they're worried how they're gonna repair their home. They're worried how they're gonna continue operating their business. This is not just about a monetary loss, this is personal to them, and it's personal to us."
Causes of Property Damage
Welcome toLeMaster & Ahmed
A house is the biggest investment for most Texans. Homeowners rely on home insurance to protect this investment in the event of an unexpected disaster. However, some homeowners are unaware of what their policy covers. While most homeowners know their insurance covers fire and water damage, most are shocked to find out their policy does not cover certain damage.
What is even more shocking is when an adjuster denies your claim or refuses to provide a reasonable settlement. Speak with an insurance lawyer immediately if this is the case for you. They can investigate the situation and negotiate with adjusters on your behalf.
Texas Insurance Attorney
Homeowners are quick to call their insurance company when their home is damaged. It is important, however, to consider that you may need the help of an insurance early in the claim process. The insurance lawyers at LeMaster & Ahmed PLLC can help evaluate your situation and ensure you provide the necessary claim information to help the adjuster evaluate your claim properly. Ms. Ahmed and Ms. LeMaster have experience litigating homeowners claims of all sizes. They are well prepared to help you through the claims process, negotiate with adjusters and represent you in court if needed.
Call (832) 356-7983 to schedule a time to speak with LeMaster & Ahmed PLLC. We assist homeowners in counties throughout Texas such as Galveston County, Harris County, Montgomery County, Dallas County and Collin County.
Types of Homeowners Coverage
Most homeowners are unaware their policy covers more than damage to the home. The majority of homeowner’s insurance in Texas include coverage for the following:
- Structure damage coverage: An insurance policy will pay for damage caused to a home, but only damaged caused by risks covered under the policy. Structures on your property that are not attached to the home are also covered. This can include fences, detached garages and garden sheds.
- Personal property coverage: Damaged personal property is covered by most insurance providers, but only to a point. Homeowners insurance will cover damaged, destroyed or stolen items such as furniture and clothing. You will likely need to purchase additional coverage for high value items.
- Loss of use coverage: This type of coverage pays for living expenses if you have to move while your house is being repaired. Living expenses that may be covered include rent, food and other expenses you would not have if you were living at home.
- Medical coverage: Most homeowners policies also cover medical bills for those injured on your property. This type of coverage may also pay for injuries that take place away from home such as your dog biting someone while on a walk.
- Personal liability coverage: Most homeowner’s insurance will pay for medical bills and other costs for individuals you are legally responsible for injuring. It also covers damage you caused to another’s property and court cost if you are sued because of an accident.
Not all insurance policies are the same. Be sure to read your insurance declaration to find out how much your policy covers, what is covered and other key information about your coverage.
Damage Covered by Homeowner’s Insurance
Property damage is the primary reason homeowners purchase insurance on their home. This policy provides coverage for certain risks and perils that could damage a home or property. However, many homeowners are shocked to find out their policy only covers certain types of damage.
Listed below are types of property damage covered by most insurance policies:
- Fire damage
- Lightning damage
- Sudden and accidental water and smoke damage
- Malicious mischief
- Riots and civil commotion
- Damage caused by vehicles and aircrafts
The last thing you want to find out is that your insurance policy won’t pay for the damage to your home because it is not covered. Damage that is not covered by most standard homeowner’s policies include:
- Backed up sewage
- Damage caused by construction
- Insect or rodent infestations
- Damage or destruction to jewelry and fine art
- Continuous water leaks
- Wear and tear
- Losses that occur if you are away for the number of days specified by your policy
- Trampoline accidents
- Pool accidents
- Dog attacks from “aggressive breeds”
Your Rights as a Policyholder
You have rights as a policyholder, which are listed in the Texas Department of Insurance Bill of Rights. If an insurance company infringes on these rights, you can sue them in civil court and seek additional damage for your claim and attorney fees. According to the Texas Department of Insurance, an insurance company cannot deny your claim or charge you more for any of the following reasons:
- Race, religion, color or national origin
- Age, gender, marital status, geographical location or disability
- Credit score
- Treat you differently than other people in your rate or risk class
The Texas Insurance Code also prevents insurance companies from engaging in unfair settlement practices. According to the statutes, a homeowner’s insurance provider cannot:
- Refuse to pay a claim without conducting a reasonable investigation
- Fail to provide a reasonable explanation for denying a claim
- Fail to provide a prompt, fair and equitable settlement
- Require you to provide a copy of your tax returns as a condition of a settlement
- Fail to confirm or deny coverage within a reasonable time
- Misrepresent policy provisions or information relating to the claim
Texas Insurance Lawyer
Was your homeowner’s claim denied? Are you having a tough time negotiating with adjusters? The attorneys at LeMaster & Ahmed PLLC have more than thirty combined years of experience in insurance law. With previous experience working with insurance companies, Ms. Ahmed and Ms. LeMaster are well versed in their negotiating tactics. They will use this experience to your advantage and fight to ensure you receive what you are entitled under the policy.
Call (832) 356-7983 to schedule a case evaluation. We represent clients in areas such as Galveston, Houston, The Woodlands, Dallas and Plano.
Tell Us About Your Case
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