The Woodlands Property Insurance Lawyer
Most property owners acquire some type of property insurance. The policies can cover a variety of properties including residential property, commercial property, condominiums. Policyholders purchase property insurance so they can get protection against unforeseen damage or destruction of their property.
Unfortunately, some insurers deny or underpay covered claims. Failure to pay covered claims can be incredibly frustrating and a breach of the insurance contract. If this has happened to you, consult an experienced insurance attorney to learn about your legal options.
Property Insurance Dispute Lawyers in The Woodlands, Texas
Whether it is a residential or commercial property, your property insurance company should timely adjust and promptly pay claims that fall within the coverage provided by the policy. If your insurer is offering you low-ball offers or improperly denying your covered claim, then consult the attorneys with LeMaster & Ahmed PLLC. The legal team at LeMaster & Ahmed PLLC will examine the details of your claim and advise you on your legal options. The attorneys at LeMaster & Ahmed PLLC can negotiate with adjusters and represent you in court if necessary.
Both Ms. Ahmed and Ms. LeMaster have experience negotiating and litigating property claims of all types. They know how insurance companies try to limit their liability. With their strategic and aggressive approach, the attorneys at LeMaster & Ahmed PLLC can fight for you. Call us now at (888) 306-2119 to schedule your first case evaluation. We represent policyholders throughout the greater Montgomery County area including Conroe, Mangolia, Houston, Splendora, Willis, Woodbranch, Houston, Magnolia, Porter Heights and Spring.
- What Types of Property Insurance Are in Montgomery County?
- What Does a Typical Property Insurance Policy Cover?
- Most Popular Home Insurance Companies in The Woodlands
- Insurance Resources in Montgomery County, TX
- Emergency Preparedness Resources in Montgomery County, TX
Types of Property Insurance in Montgomery County
Property insurance is designed to protect the covered property or properties from a vast range of risks and perils. They offer protection by providing coverage to the policyholder so they can repair their damaged property from a covered peril. There are a wide variety of property insurance types available for homeowners, and business owners. Below is a list of some of the most common types of property insurance offered in Montgomery County, Texas.
- Builders risks
- Law and ordinance
- Condo associations
- Homeowner association
- Boiler and machinery
- Commercial property
- Loss of use
- Debris removal
- Business interruption
What’s Does a Typical Property Insurance Policy Cover in Texas?
What’s covered under your insurance will depend on the specifics of your policy. Some property insurers exclude perils and risks commonly listed under other insurance policies. For example, if you live along the Gulf Coast and acquire a commercial property insurance policy, then your policy will likely exclude wind and hail damage. However, if your business is more mid-land, then the policy you purchase will typically cover both wind and hail damage.
Before you file a claim, it’s important you look at your policy to ensure the risk or peril is covered. If you do not have a copy of your insurance contract, then you can always request one from your insurance agent or insurance company.
The following are some damages that may be protected under a typical property insurance policy.
- Riots and civil commotion
- Water damage
- Malicious mischief
- Damage caused by vehicles and aircrafts
It is equally important to understand what is not covered by your policy. Insurance coverage varies by policy, so what may be protected under your homeowners insurance policy may not be protected under a commercial property insurance policy. Additionally, you may have purchased added protections to ensure you are covered from certain perils or risks. That is why it is recommended that you thoroughly read your policy.
Popular Home Insurance Companies in The Woodlands
Homeowners insurance is one of the most common types of insurance acquired by policyholders. So, unfortunately, for that reason homeowner’s insurance disputes happen much more frequently than other types of property insurance. These disputes can happen for a myriad of reasons such as the insurer claiming a peril isn’t listed under your policy or arguing that the damage done to the property is outside of policy limits. No matter the circumstances, dealing with stressful negotiations with adjusters on top of repairing your home can be incredibly frustrating. That is why it’s recommended you consult legal counsel if your homeowner’s insurance claim has been delayed, disputed or denied.
The Woodlands community offers various types of home insurance companies to its residents. Listed below are the most popular homeowner’s insurance companies in the Woodlands based on their current market share.
|Home Insurance Company||Insurance Market Share|
|State Farm||19.55 %|
Insurance & Civil Court Resources for Montgomery County, Texas
Montgomery County District Courts – The Montgomery County District Court handles all types of court divisions including civil cases where $200 at least is being disputed or claimed in damages. You can access their site to find court locations, docket schedules, rules of the court, and other pertinent information.
Montgomery County Clerk – The County Clerk acts as a official historian of the court in Montgomery County. Access their site to request important paperwork, file your claim, as well as pay any court related fees. It’s almost guaranteed you will have to visit your Montgomery County Clerk if you pursue a claim against your insurance company.
Texas Insurance Code – All legislation in Texas related to insurance law is located under the Insurance Code. Access the statutes to learn what Texas determines to be a bad faith practice, policyholder’s rights, and the deadlines for filing a claim against your insurer.
Texas Department of Insurance – The Texas Department of Insurance oversees all insurance companies and ensures they are following the standards set forth under the Insurance Code. That means insurers who break these rules can be held accountable under their disciplinary board. Additionally, the TDI are also in charge of administering the Texas worker’s compensation system as provided by the Labor Code.
Montgomery Floodplain Maps – Visit the official website for Montgomery County to learn more about their Federal Emergency Management Agency’s (FEMA) flood mapping tool for Montgomery County. Flood damage and flooding is one of the most common property damage claims filed in the state of Texas. Access the site to see if you are in a flood zone and your evacuation plan for it.
Emergency Resources in Montgomery County, Texas
Emergency Resources for The Woodlands – Access the official site of The Woodlands Township to access their emergency resources. There you can see the latest updates for COVID-19, an emergency broadcast radio station, resources for hurricane preparedness and more.
Montgomery County Community Preparedness App – Visit the official website for the Montgomery County Magazine to learn more about the app created by the Township to help citizens prepare and stay informed during and after a disaster. The app allows you to create an emergency plan, provides updates, lists for go-kit supplies in under one minute and more.
Emergency Plan in The Woodlands | Get Ready – Visit the official website for the Woodlands Township to learn about it’s Get Ready program. Learn how the program provides information on how to be prepared for both natural and man-made disasters as well as the basic emergency preparedness steps outlined by the Department of Homeland Security.
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.
Montgomery County Property Insurance Lawyers in TX
Dealing with an insurance coverage dispute with your insurer after a loss can be challenging. If your insurance company is refusing to honor its promise to pay your covered property insurance claim, it may be time to consult with the insurance property claim attorneys at LeMaster & Ahmed PLLC.
The attorneys at LeMaster & Ahmed PLLC have experience in insurance law and represent policyholders in Montgomery County. They fight on the side of the policyholder and will go against insurers of all sizes. Tthe attorneys at LeMaster & Ahmed PLLC will fight tirelessly to ensure you receive the coverage to which you are entitled under your policy.
Contact LeMaster & Ahmed PLLC at (888) 306-2119 to get a free consultation with one of our attorneys. LeMaster & Ahmed PLLC accepts clients throughout the greater The Woodlands and the Montgomery County area including Conroe, Cut and Shoot, Montgomery, Houston, Woodbranch, Willis, Spring, The Woodlands, and Porter Heights.