Terry Bryant Accident & Injury Law has earned a reputation for playing hardball with insurance companies. When you choose us to represent you, you get the benefit of a firm with:
- Over three decades of winning cases for clients against insurance companies
- Attorneys with Texas Board Certification
- Over $1 billion in compensation for clients
- A No Fee Guarantee®
- A free initial consultation.
Additionally, you have 24-hour access to our professionals to handle any emergencies or issues regarding the case.
Unreasonable Insurance Companies
Texas storms are increasing in intensity year after year. The damage and destruction they cause is rising as well, totaling billions of dollars of losses annually, and injury and death are also on the uptick.
Sadly, hail damage policyholders often find their insurance companies to be obstacles in their quest for the policy payouts they need to repair their homes. Turning to a hail damage attorney can help.
Terry Bryant Accident & Injury Law attorneys are well-versed in the strategies used by insurance companies to reduce and deny valid claims. No one likes being strung along or rejected when everything is in order for a timely and just payout. Contact our office if you want to put a stop to bad faith dealings and get straight to the heart of the matter: compensation for your losses.
Call us today for a free consultation at (713) 973-8888 or toll-free 1 (800) 444-5000.
What Happens If a Hail Insurance Claim Is Denied?
In their time of need, hail damage policyholders need their payouts quickly, and they need them to be sufficient to cover their losses. Unfortunately, hail damage claim denials are not uncommon, even when there exists no good reason for the denial. Hurricane, wind, and flood damage victims face the same bad faith dealings.
What happens if a hail insurance claim is denied? Fortunately, there are options: an appeal or a bad faith claim lawsuit. Before taking any action, it is essential that you refrain from signing or agreeing to anything that states you are in accordance with the insurance company’s reason for denying your claim.
If your claim was not denied but you are being offered less money than you believe you deserve, do not accept or convert any payments given to you by the insurance company including checks, money cards, or direct deposits.
Accepting and spending offered money will likely bar you from demanding more compensation. With an attorney working on your case, you can avoid this minefield of civil procedure and keep your case moving forward.
In reality, the foresight of an experienced hail claim attorney is valuable at any stage of the claims process, even before you get a denial. Having one helps you avoid legal and insurance pitfalls as well as increases your likelihood of getting a higher settlement offer.
A Bad Faith Insurance Claim Lawsuit Can Get You Justice
A Houston Hail Claim Denied Attorney Can Help You Get Financial Justice
You deserve to be treated with dignity and respect during the hail damage claims process. The law requires insurance companies to behave in a manner that facilitates the full payout of valid claims without unnecessary and unreasonable hassles. Failing to do so opens them up to liability for damages caused by their bad actions.
If you hire a hail damage attorney to handle a bad faith claim civil suit, one of their principal tasks will be to demonstrate that the insurance company acted in bad faith. Various actions may be evidence of bad faith on the part of the insurance company, including:
- Unjustifiable denial of the claim
- Unjustifiable payout reduction
- Materially altering terms of the policy without notice
- Unreasonable delays in processing the claim
- Using threatening communications
- Unreasonable document requests
- Unjustifiable accusations against the policyholder
- Performing inadequate investigations.
Essentially, bad faith is a type of failure on the part of the insurance company to honor the terms of its contract with the policyholder.
Hail can wreak all manner of damage and destruction on property. Bad faith actions pile more losses on top of the ones hail victims already have. Fortunately, your bad faith insurance claim lawsuit allows hail insurance lawyers to seek not only the insurance payout you deserve but also financial compensation for the losses caused by the bad faith.
Recoverable losses you may be entitled to include:
- Up to three times the payout you are owed through your hail policy
- Court costs and fees; attorney’s fees
- Losses related to mental anguish
- Punitive damages if the insurer acted maliciously.
When calculating and negotiating damages, your Houston hail claim denied attorney will fight to make sure you are getting the full payout allowable under the circumstances.
How an Experienced Hail Damage Attorney Can Get You the Compensation You Need
Let a Seasoned Hail Damage Attorney Negotiate for You
Contrary to popular belief, not all lawsuits end up in trial. In fact, the majority of lawsuits dealing with compensation for someone’s bad act end in a settlement after a period of sometimes intense negotiations.
Settling out of court is most often the desirable result. Doing so gets hail victims compensated much faster than a trial would. For this reason, having an experienced hail damage claim denied lawyer who is a competent negotiator is an asset and essential for clients who don’t want to spend years in litigation.
With that being said, some cases must go to trial if the hail claim plaintiff wants to get the payout they feel they deserve. In cases such as these, your hail damage claim attorney will continue to negotiate for a settlement up until and even throughout the trial.
Throughout their representation of you, your hail claim attorney will also see to the clerical and document matters that are required for many claims and lawsuits, such as:
- Filing of the lawsuit
- Collecting police, medical, and property damage reports
- Communicating with the defense and the court in a timely manner
- Filing all required paperwork.
Once the case is in the hands of your attorney, you won’t have to preoccupy yourself with deadlines and procedural rules. They will make sure the case stays on track and is prosecuted effectively.
Why Choose Us to Help Get a Payout After a Hail Damage Claim Is Denied?
Our Hail Insurance Lawyers Fight Hard to Get You What You Deserve
Time machines may not exist, but you can be awarded significant financial resources to help you get back to some semblance of normalcy. At Terry Bryant Accident & Injury Law, we always fight to get our clients the maximum compensation allowable. We know how far these resources will go in rebuilding lives, so we don’t back down from insurance companies.
For over 35 years, we have represented thousands of people in need of financial resources to get back on track. We bring the fight to insurance companies that refuse to pay what they owe, and we win significant settlements and verdicts for our clients.
When you choose us, you get the benefit of working with a firm that has:
- An impressive record of settlements and verdicts for clients, surpassing $1 billion
- Board-certified attorneys with years of successful experience
- A well-respected ex-judge as its founder
- Over three decades of top-notch legal service in the Houston community and beyond
- Respect from professional associations and peers
- Deep community ties and regular involvement in community affairs
- A reputation for caring.
Call us today at (713) 973-8888 or toll-free 1 (800) 444-5000 to schedule a sit-down with a hail damage claim denied lawyer and learn what choices you have for getting compensated for your losses.
Frequently Asked Questions
Please give us a call if you have any questions regarding denied claims and bad faith insurance claims. We believe it is important for you to understand the legal process you are involved in so you can make informed decisions regarding your case. Until then, we’ve provided detailed answers to some of the more common bad faith insurance claims questions we receive.
In Texas, you have a time limit of two years to file your bad faith insurance claim lawsuit. The clock starts ticking the moment the insurance company engages in the bad faith action against you. (*Always speak directly to an attorney for the exact deadlines that apply to your potential claims.)
After this time period, the claim is void, except under certain circumstances. One of them is when the insurance company acts to dissuade a policyholder from seeking counsel or to persuade them to postpone a contemplated lawsuit, which can result in an extension of the two-year time limit by 180 days.
In most cases, the sooner you hire an insurance lawyer to represent your interests, the better off your case is likely to be. You should at least consider speaking with a hail damage claim denied lawyer as soon as you run into problems with your claim.
Even if the insurance company has not yet denied or reduced your claim, it is still advantageous to have a professional on board early on in case problems arise.
Although insurance claim denials sometimes happen in bad faith, there are times when a rejection is not unreasonable. They include:
- Failure to pay insurance premiums
- Missing the filing deadline for the claim
- Not providing the proper documentation for your losses
- Exclusion clauses that disqualify certain types of damage
It is important to remember that a denied claim is not necessarily the end of the story, even if it is denied for one of the reasons listed above. If you receive a rejection, then it is recommended that you speak with a hurricane damage claim denied lawyer to see what can be done.
Hiring a Houston hail claim denied attorney usually costs you no money upfront because most attorneys in this field take cases on a contingency basis. This means their fees for services rendered are taken from the final payout their clients receive.
Generally speaking, if a case is settled before trial, then the attorney’s fees will be lower than if the case goes to trial.
If the case goes to trial, it is possible that the defendant will be made to pay attorney’s fees and court costs, which would translate into a larger payout for the plaintiff. However, expenses and overhead related to the case will likely be the responsibility of the plaintiff.
It is practically impossible to give a one-size-fits-all time frame for bad faith insurance claim cases. The facts and circumstances of each case are different and give each situation its own time frame and trajectory. In general, the time frame will be much shorter if the case is settled before trial.
At Terry Bryant Accident & Injury Law, we understand how eager our clients are to get their lives back on track after a hail storm. So we work hard at settling their claims quickly and competently. There are times, however, when a trial may be the only way to get what you truly deserve, which means a longer time before your case is resolved.
Regardless of the situation, you can always rely on us to choose the most optimal path for holding bad faith insurance companies accountable and getting you the resources you need to move forward.
If you have any more questions or concerns, reach out to our office, and we will be happy to provide you with the answers you are looking for. We pride ourselves on keeping our clients up to date and in the know.
Terry Bryant Accident & Injury Law Works Diligently to Hold Insurance Companies Accountable
Our Hail Insurance Lawyers Can Help You Get the Relief You’ve Been Needing
If you have suffered damage in a hail storm and are having trouble with your claim, then give us a call. We do not allow insurance companies to take advantage of our clients, and we hold them accountable for the policy payouts they owe and damages they have caused through their bad faith actions.
Our hail insurance lawyers are ready to help you take the first steps at getting your property fixed up and your life back to normal. Give us a call at (713) 973-8888 or toll-free 1 (800) 444-5000 for a free consultation, and we will sit down with you and explore your options for getting the payout you have been waiting for.