First, carefully review the denial letter to understand the insurance company's stated reasons. Request a complete copy of your claim file from the insurer. Then contact an experienced insurance claim attorney who can evaluate whether the denial was legitimate or if the insurance company acted in bad faith. Time limits may apply, so it's important to act quickly.

In Texas, the statute of limitations for insurance claim disputes is typically four years from the date of the denial, though this can vary depending on your specific policy and circumstances. However, it's best to consult with an attorney as soon as possible, as there may be shorter deadlines for certain actions or policy-specific requirements.

We handle a wide range of denied insurance claims including property damage claims from hurricanes, hail, fire, and flooding; life insurance claim denials; disability insurance disputes; health insurance denials; commercial property claims; and business interruption claims. If your legitimate claim has been wrongfully denied, delayed, or underpaid, we can help.

Most insurance claim attorneys, including our firm, work on a contingency fee basis. This means you pay no upfront costs or attorney fees unless we successfully recover compensation for you. The attorney fee is typically a percentage of the amount recovered. We offer free consultations to evaluate your case with no obligation.

While you have the right to appeal a denial yourself, insurance companies have teams of lawyers and adjusters working to minimize payouts. An experienced attorney understands insurance law, policy language, and bad faith practices. They can significantly improve your chances of success and ensure you receive the full compensation you're entitled to under your policy.