Property Insurance Claims

Property Insurance Claims

When your property is damaged and your insurance company denies, delays, or underpays your claim, Nixon Law PLLC fights back. We represent policyholders throughout Texas in disputes with their insurance carriers.

Common Insurance Disputes We Handle

• Hurricane and storm damage claims
• Hail damage denials
• Water damage and plumbing failures
• Fire damage claims
• Underpaid claims and lowball offers
• Bad faith insurance practices

Texas Insurance Code Protections

Texas law provides strong protections for policyholders. Under the Texas Insurance Code and the Deceptive Trade Practices Act, insurance companies that engage in unfair settlement practices may be liable for additional damages, penalties, and attorney fees.

Our Approach to Property Insurance Claims

At Nixon Law PLLC, we understand that property damage can be financially devastating. When an insurance company refuses to honor its obligations, we step in to level the playing field. We approach every property insurance dispute with the aggressive mindset of a trial lawyer preparing for the courtroom. Our firm conducts independent investigations, collaborates with industry-leading experts, and meticulously reviews your policy to identify all available coverages. We handle all communications and negotiations with the insurance company, shielding you from their tactics. If the insurer refuses a fair settlement, we are fully prepared to file suit and present your case to a Texas jury.

Types of Property Insurance Claims We Handle

We represent policyholders across Texas in a wide range of property insurance disputes.

Residential Property Insurance Claims

For most Texans, a home is their most significant financial asset. When disaster strikes, homeowners rely on their insurance policies to rebuild. Unfortunately, insurers frequently employ tactics designed to delay, underpay, or outright deny valid residential claims. We aggressively represent homeowners facing disputes over hurricane and windstorm damage, hail damage, fire and smoke damage, water damage, theft, vandalism, and winter storm freezes. We fight to ensure you receive the full compensation you are legally entitled to under your policy.

Commercial Property Insurance Claims

Commercial property damage can halt operations and threaten the survival of a business. Insurers often scrutinize these claims heavily, disputing the cause of loss or the extent of the damage. We assist Texas businesses with complex claims involving structural damage from severe weather, fire and smoke damage, water damage, vandalism, theft, and equipment breakdowns. We do not accept lowball offers or bad faith denials, and we work relentlessly to recover the compensation your business needs to rebuild.

Business Interruption Claims

When physical damage forces a business to suspend operations, business interruption coverage is meant to replace lost net income and cover ongoing expenses. However, insurers notoriously use their own forensic accountants to minimize projected losses, dispute the necessary period of restoration, or argue a lack of direct physical loss. We collaborate with independent experts to accurately quantify your business interruption losses and build an undeniable claim.

When to Contact Nixon Law PLLC

If your residential or commercial property insurance claim has been wrongfully denied, unreasonably delayed, or significantly underpaid, time is of the essence. The longer you wait to secure representation, the more opportunity the insurer has to build a case against you. Contact Nixon Law PLLC to schedule a consultation. We will review your policy, evaluate the insurance company’s conduct, and develop a comprehensive legal strategy to pursue the compensation you deserve.

Frequently Asked Questions

What should I do if my property insurance claim is denied?

If your claim is denied, you should immediately review your policy and the denial letter to understand the insurer’s reasoning. Do not accept their decision as final. Contact Nixon Law PLLC for a free consultation at 713-482-1523. We can evaluate your claim and determine if the denial was in bad faith.

Can I recover attorney fees if I sue my insurance company?

Yes, under the Texas Insurance Code, if an insurance company engages in unfair settlement practices or delays payment beyond statutory deadlines, policyholders may be eligible to recover actual damages, statutory interest, and reasonable attorney fees.

How do insurance companies try to minimize business interruption claims?

Insurers often try to minimize business interruption claims by disputing the necessary period of restoration, miscalculating lost income using flawed methodologies, or arguing that the business did not sustain direct physical loss.

What are the deadlines for an insurance company to pay a claim in Texas?

Under Chapter 542 of the Texas Insurance Code, an insurer generally has 15 business days to accept or reject a claim after receiving all required items. If they delay payment beyond statutory deadlines, they can be held liable for the claim amount plus interest and attorney fees.