Plano Property Insurance Lawyer
Most people at some point in their lives will obtain a type of property insurance, whether it’s for their home, business, condo or other establishment. They purchase this type of insurance so they can repair the damages if the property is damaged or destroyed by a risk or peril listed in their policy. Unfortunately, some insurance companies will do whatever they can to make a profit off your policy. They may use deceitful and dishonest means to avoid liability such as dodging calls or unfairly assessing the damage.
It’s the job of the insurance company to have the policyholder’s back in case a covered risk or peril damages their property. Insurers who don’t uphold that obligation could be held liable for being in breach of contract. For this reason, we suggest you consult an experienced insurance attorney if your insurance company is needlessly disputing, delaying or denying your claim.
Property Insurance Lawyers in Plano, Texas
Insurance companies are legally bound to follow the policy you agreed upon and breaching that contract means they could be held liable in court. If you have reason to believe your insurance company is in breach of your contract, then consult the legal team over at LeMaster & Ahmed PLLC. We can examine your policy and situation to determine if you have a strong case to pursue a claim. From there, our attorneys can draft and file your claim, negotiate with adjusters, represent you in court if necessary and do whatever needed to ensure you get the coverage you deserve.
Whether you are individual or business, you can rest assured that the attorneys at LeMaster & Ahmed PLLC will work tirelessly for you. You can call the attorneys at LeMaster & Ahmed PLLC at (888) 306-2119 to set up a case evaluation. LeMaster & Ahmed PLLC represents people throughout the greater Plano area including Allen, Blue Ridge, Farmersville, Lavon, McKinney, Murphy, Nevada, Princeton, Weston, Dallas, Frisco and Anna.
- What Are the Different Types of Property Insurance in Plano?
- Possible Property Insurance Disputes
- Popular Homeowner’s Insurance Companies in Collin County
- Plano Insurance Resources in Texas
- Collin County Emergency Resources in Texas
What Are the Different Types of Property Insurance in Collin County?
Policyholders purchase property insurance so they can protect their insured home, business, condominium or other property from a wide range of risks and perils. What those risks and perils are depend on the type policy it is and its specific limitations. Some policies are very niche and are even more tailored to the policyholder if they choose to purchase additional protection.
There are many types of property insurance a person can choose from in Texas. These include, but are not limited to:
- Debris removal
- Builders risks
- Boiler and machinery
- Law and ordinance
- Condo associations
- Loss of use
- Business interruption
- Commercial property
- Commercial general liability
- Homeowner association
Possible Property Insurance Disputes
Policyholders heavily rely on their insurance companies when their property suffers damage or was destroyed. The last thing they need is to get bogged down with insurance disputes as they attempt to recover. Unfortunately, this is the reality for many policyholders as they try to receive the coverage initially promised. Some insurers who want to make a profit off their client’s policies will delay, dispute or deny a claim despite it being well within their policy guidelines. These insurers hope that with time the policyholder will either give up on pursuing the claim or accept a low-ball offer because they’re exhausted with the process.
Listed below are some different types of property insurance disputes handled by the attorneys at LeMaster & Ahmed PLLC. They include, but are not limited to:
- Policy Exclusions – Every insurance policy agreement contains provisions that exclude certain damages or types of property. It’s not uncommon for policyholders to be unaware of their policy exclusions until their claim is denied. However, some insurers will state a certain peril or risk is excluded when, in reality, there is still a strong argument for coverage. If you have an attorney to review the policy when your purchase it, there will be no surprises when you file a claim.
- Low-Ball Offers – Insurers may attempt to blind side the policyholder by deliberately making a low-ball offer right off the bat because they know the policyholder desperately needs it. Thankfully, policyholders have the choice to reject low-ball offers and should do so. Speaking to an insurance lawyer who is knowledgeable in property insurance will give you a good idea if the offers you’ve received are low-ball or not.
- Bad Faith Actions – Insurance companies owe their policyholders the duty of good faith. This essentially means they must be truthful when handling your claim and settle it efficiently and effectively. Certain actions by insurance companies that could impede the claims process are considered to be acts in bad faith. These unfair settlement practices by insurance companies may warrant litigation. Some examples of bad faith actions include failing to offer a reasonable explanation for denying the claim or intentionally misrepresenting facts related to coverage issues.
- Property Owner Negligence – Insurance companies may claim the damage the property suffered was due to a negligent property owner. They may accuse the property owner (who is likely the policyholder) of not maintaining their property effectively and therefore won’t cover the damages. It’s important you consult an experienced insurance lawyer if your insurance provider states your property damage stemmed from negligence. A skilled lawyer can examine the “evidence” pointing you as negligent and then refute it by investigating the matter themselves.
Popular Home Insurance Companies in Plano
The majority of people who have property insurance use it for their home. Because of this, homeowner’s insurance disputes happen at a much higher rate than say commercial property insurance. Insurers will attempt to use a variety of reasons to dispute, delay or deny homeowner’s insurance claims. For example, imagine your home has suffered from extreme wind damage. You may then file a claim and expect to receive compensation to fix your repairs, but then your insurer turns around and gives you an offer significantly beneath market price. They then untiringly argue the matter with you no matter what evidence you present until you either give in entirely or with consult legal counsel.
In the city of Plano, there are various types of homeowner’s insurance companies available. Listed below are the most popular homeowner’s insurance companies in Plano based on their current market share.
|Home Insurance Company||Insurance Market Share|
Insurance & Civil Court Resources in Collin County, Texas
Collin County District Courts – Civil suits where the minimum in damages is at least $200 occurs at the Collin County District Courts. You can access their site to view their docket schedules, rules of the court, court locations, required dress in court and other relevant information.
Collin County Clerk – Court records and documents related to your suit can be found at the Collin County Clerk’s Office. Gain access to their site so you can learn more about how to pay a court related fine, e-file important documents, or search the public records.
Texas Department of Insurance – The job of the Texas Department of Insurance is to regulate insurance companies and ensure they are following the regulations set forth by the Insurance Code. In addition to overseeing insurance companies, the administration of worker compensation systems as provided by the Texas Labor Code.
Texas Insurance Code – Visit the official website for Texas Statutes to read further about the laws for insurers in the Insurance Code. Access the site to learn more about unfair settlement practices defined under Texas law, duties the insurance provider must uphold and more.
Collin County Floodplain Maps – Visit the official website for Collin County and view their map that details all the floodplains in the area. A floodplain is a low area of ground that is prone to flooding. It’s important to understand if you are near one in case you are in a high-risk flood zone. Flood damage is one of the most common claims denied by insurance companies.
Property Protection Information | Flood Damage – Visit the official website for the city of Plano to learn more about what you can do to protect your property from flood damage. Access the site to learn about what structural things you can do to avoid flood damage, how the City Engineering Department can help you, and other relevant resources.
Collin County Emergency Resources in Texas
Collin County Hazard Mitigation Plan – Since Collin County is susceptible to a number of natural hazards that could cause significant damage, the county has developed a mitigation plan to reduce losses. Access the Collin County site to learn more about this plan and what pre and post measures the government has in place to protect its citizens from disasters.
Plano’s Emergency Management Team – Visit the official website for the city of Plano to learn more about their emergency management team responsible for the planning, coordination and preparedness of available resources for the alleviated and response to hazards such as storms or earthquakes. Access the site to learn about their radar, current updates, CERT, as well as their outdoor warning system.
DisasterAssistance.Gov – Visit the official website for the Disaster Assistance Improvement Program (DAIP) to learn more about their resources for disaster survivors including information, support, services and a means to apply for disaster assistance through efforts between federal, tribal, state local and private sector partners.
Collin County Emergency Management – Visit the official website for Collin County, Texas and learn about their emergency management program. A coordinated effort that involves local, state, and federal agencies to work in conjunction with businesses, schools, volunteer organizations and others to assist communities impacted by disaster. Access their page to find emergency resources in Collin County as well as contact information for every emergency management manager for each city in the whole county.
Collin County Lawyer for Property Insurance Disputes in Texas
You’ve given your insurance company ample time and chances to provide the coverage you were promised. If you’re still facing issues getting the full value from your claim, then we suggest you consult LeMaster & Ahmed PLLC. The attorneys at LeMaster & Ahmed PLLC have decades of collective experience in insurance law and only fight for the rights of the policyholder. That valuable practice gives them the knowledge they need to go up against any insurance company no matter the size.
Don’t wait another moment to schedule a case evaluation. Get in touch with LeMaster & Ahmed PLLC by calling (888) 306-2119 today. LeMaster & Ahmed PLLC accepts clients throughout the greater Collin County area including McKinney, Plano, Dallas, Frisco, Josephine, Celina, Allen, Anna, Blue Ridge, Murphy, Lowry Crossing, Lavon and Princeton.