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Texas Insurance Lawyers

We represent policyholders to ensure they receive the insurance benefits they are owed.

Types of Disputes

Denied Claims

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.

Underpaid Claims

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.

Delayed Claims

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.

Bad Faith

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

Our Attorneys

"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."

Jennifer LeMaster focuses her practice in the areas of insurance coverage disputes and general and commercial litigation. She is a zealous advocate for policyholders and she works tirelessly for her clients.

Attorney Jennifer LeMaster

"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."

Nejat Ahmed has litigated multi-million dollar coverage disputes involving both primary and excess commercial property policies in state and federal courts. She also has many years of experience litigating coverage disputes.

Attorney Nejat Ahamed

Causes of Property Damage

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LeMaster & Ahmed

Homeowners Insurance

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
  • Explosions
  • Theft
  • Vandalism
  • Malicious mischief
  • Riots and civil commotion
  • Damage caused by vehicles and aircrafts
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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:

  • Flooding
  • Mold
  • Backed up sewage
  • Sinkholes
  • 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.

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