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What to Do If You’re Facing a Property Insurance Dispute After Holiday Damage

Posted by Daniela Zozaya | Jan 15, 2025 | 0 Comments

The holidays bring joy and celebration but can also result in unexpected challenges like property damage from winter storms or fires. If you're dealing with a property insurance dispute, this guide provides actionable steps to resolve the issue and protect your rights.

Key Steps to Handle a Property Insurance Dispute

  • Understand Your Policy
    Review your insurance policy to confirm coverage limits, exclusions, and filing deadlines. Misunderstanding these details is a common reason claims are denied.

  • Document All Damage
    Gather thorough evidence to support your claim:
    · Take photos or videos of the damage.
    · Create an inventory of damaged items.
    · Keep receipts for repairs and temporary lodging.
  • File Your Claim Quickly
    Promptly inform your insurance company about the damage and follow their instructions. Early notification can expedite the claims process.
  • Keep Records of Communications
    Maintain a log of all conversations with your insurer. This record may prove valuable if your claim is delayed or denied.

  • Address Claim Denials or Delays
    If your claim is denied, request a written explanation and compare it to your policy terms. This can help you dispute unfair decisions.
  • Seek Professional Help
    Consider hiring experts if your claim is undervalued or delayed:
    · Public Adjusters: Independent professionals who assess damage and negotiate on your behalf.
    · Insurance Attorneys: Lawyers specializing in property insurance disputes.
  • Know Your Legal Rights
    Texas policyholders are protected under state laws that address unfair insurance practices. If you suspect bad faith, consider filing a complaint with the Texas Department of Insurance (TDI).
  • Explore Mediation or Litigation
    When negotiations fail, mediation or legal action might be necessary. Consult an attorney to understand your options.

FAQs About Property Insurance Disputes

  1. What's the most common cause of property damage during the holidays? Cooking-related fires are the leading cause of holiday damage, particularly on Thanksgiving and Christmas, according to the National Fire Protection Association (NFPA).
  2. Can I appeal a denied insurance claim? Yes. You can appeal a denial by providing additional documentation and disputing the insurer's findings based on your policy terms.
  3. How long do I have to file a property damage claim in Texas? Deadlines vary by policy but are often 1–2 years from the date of the damage. Check your policy for specific timeframes.

    Have questions about property insurance disputes? Explore our resources or reach out to learn more about how The Keller Firm supports property owners in navigating complex insurance matters.

    Disclaimer: This website is for informational purposes only and does not constitute legal advice. Do not act or refrain from acting based on the content of this site. Use of this site or communication with The Keller Firm through this site does not establish an attorney-client relationship.

About the Author

Daniela Zozaya

Operations Manager

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