The Woodlands Residential Property Insurance Lawyer
Residential property insurance provides protections for homes. The insurance varies based on what type of home you are insuring. Policies range from one another, but generally a residential property insurance policy will cover the losses sustained by the policyholder if covered property is damaged by a covered risk or peril. Some insurance companies, however, will deny or underpay covered claims.
It can be an incredibly stressful when your home or other residential property is damaged. Fighting with your adjusters regarding an improper denial or underpayment is the last thing you want to deal following a devastating loss. Get the protection you were promised under your insurance policy by speaking to an experienced residential insurance dispute lawyer today. A skilled attorney can evaluate the claim and determine if there is coverage for your claim. They can help you present your claim, negotiate with adjusters, and litigate for you in court if necessary.
Residential Property Insurance Claims Lawyer in The Woodlands, Texas
If your homeowners insurance claim was improperly denied, then contact the legal team at LeMaster & Ahmed, PLLC. Our attorneys advocate for Texas policyholders. Ms. Ahmed and Ms. LeMaster have experience dealing with insurance companies and will work hard to help you recover your policy benefits.
You can reach the attorneys at LeMaster & Ahmed, PLLC by calling (888) 306-2119. We regularly assist clients throughout The Woodlands, but also accept clients throughout the greater Montgomery County area including Conroe, Montgomery, Houston, Magnolia, Panorama Village, Splendora, Willis, Woodbranch, Porter Heights, Pinehurst and Spring.
- What Does Residential Property Insurance Cover?
- Why Was My Insurance Claim Denied?
- Insurance and Civil Court Resources in Montgomery County, TX
- Emergency Preparedness Resources in Montgomery County, TX
What Does Residential Property Insurance Cover?
Residential property insurance varies depending on the property you are insuring, but generally it provides protections for home. The coverage provides financial protection against losses due to natural disaster, fire, and other perils outlined in the policy. Unfortunately, some insurance providers may engage in unfair settlement practices by disputing or denying a covered residential insurance claim.
The most common type of residential property insurance is a homeowners insurance policy. While the details of what is covered depends on the terms of your policy, a typical homeowners insurance policy covers the following losses:
- The home itself;
- Structures not attached to your home such as a garage or fence;
- Most of your personal belonging such as a TV, clothes or furniture;
- Additional living expenses so the policyholder can live somewhere else temporarily while their home is being repaired;
Condominium insurance is another type of residential property insurance which covers the inside of the condominium. This can include appliances, counter tops, flooring and other fixtures put into the home. Most condominium insurance policies will also cover personal items and additional living expenses. It is important to note that condominium insurance does not provide any protections for the exterior of the condo building . However, your insurer may cover property you are responsible for under your association agreement.
Why Was My Insurance Claim Denied?
For the policyholder, their residential property insurance is important as it protects their home. So when an insurer improperly denies or under pays a covered residential property insurance claim, it can be devastating emotionally and financially. Examples of residential property insurance claim disputes include:
- An Insurer Acting in Bad Faith – Your insurer owes you a duty to act in good faith in adjusting your claim. This means that under Texas law, an insurer can only deny a claim after thoroughly investigating the claim and shows that there is a reasonable basis to deny the claim. Insurance companies who deny a covered claim without conducting a reasonable investigation and who refuse to pay a covered claim after their liability has become reasonably clear may be in violation of the Texas Insurance Code and may be subject to penalties. Speak with an experienced residential property insurance claim attorney to help you determine if your insurance company is acting in bad faith.
- Low Settlement Offers – Sometimes, insurance companies accept a claim but refuse to pay the full benefits owed under the policy. Your insurer may dispute the scope of the damages and the cost it would take to repair your home to the condition that it was before the loss. If your insurance company has underpaid your covered claim, it is important to consult with an experience property insurance attorney to help you identify the coverages available under your policy and the benefits to which you are entitled.
- The Coverage is Excluded from the Policy – All insurance policies contain provisions that preclude coverage for certain types of losses known as exclusions. Many policyholders are not even aware of the exclusions in their policy until their claim is denied by their provider. Speak with an insurance claims attorney to help you determine if the exclusion cited by your insurer applies to your claim .
Insurance & Civil Court Resources for Montgomery County, Texas
Texas Insurance Code – The rules and regulations in Texas related to insurance law is located under the Insurance Code. Access the statutes to learn what Texas determines to be unfair settlement practice, what’s considered false advertising under the law and more.
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. The Department of Insurance is also in charge of administering the Texas worker’s compensation system as provided by the Labor Code.
Montgomery County District Courts – Civil court cases where the minimum being disputed or claimed in damages is at least $200 can be found at the Montgomery County District Courts. Access their site to learn more about the justices on the court, court docket schedule, rules of the court, contact information and location of the court.
Montgomery County Clerk – The Montgomery County clerk oversees the filing of all relevant court documentation and acts as an official historian of the court. Access their site to learn more about how to e-file important documents online, how you can file your claim as well as payment options to resolve court fees.
Montgomery County Emergency Resources
Emergency Resources for The Woodlands – Access the official site of The Woodlands Township to learn more about their emergency resources available to the public. Enter the site to view their latest updates for COVID-19, an emergency broadcast radio station, resources for hurricane preparedness and other relevant information.
Emergency Plan in The Woodlands | Get Ready – Visit the official website for the Woodlands Township to learn about its emergency management program known as Get Ready. Access the site to learn how the program provides information on how to be prepared for both natural and artificial disasters. There you can also read the basic emergency preparedness steps outlined by the Department of Homeland Security.
Montgomery County Community Preparedness App – Visit the official website for the Montgomery County Magazine to learn more about the Emergency Preparedness App created by the Township to help citizens prepare and stay up to date during a natural or man-mad disaster. The app allows you to create an emergency plan, quick go-kit lists in one minute, evacuation center locations and other relevant information.
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.
Residential Insurance Attorney in Montgomery County, Texas
Handling a claim related to your residential property can be stressful. If your insurance adjuster is giving you the runaround, consult with our property insurance dispute attorneys at LeMaster & Ahmed, PLLC. For over thirty combined years, Ms. LeMaster and Ms. Ahmed have been litigating insurance matters throughout the state of Texas.
You can set up your first free case evaluation with the legal team at LeMaster & Ahmed, PLLC by calling (888) 306-2119. One of our attorneys will examine your case and determine if additional benefits are owed under your policy.. LeMaster & Ahmed, PLLC litigates for clients throughout the greater Montgomery County area including Conroe, Montgomery, The Woodlands, Willis, New Caney, Splendora and Cut and Shoot.