Denied And Underpaid Insurance Claims Attorney In Houston
You pay your premiums every month because you expect your insurance company to honor its promise when disaster strikes. When they deny your claim or send a check that does not even cover the cost of materials, they are breaking that promise to protect their own profits.
At The Loyd Law Firm, we know exactly how these multibillion-dollar corporations in Houston operate. Our lead attorney, Shannon Loyd, used to work for them and saw firsthand how they wear down honest property owners. We turned that insider knowledge into a weapon to help you unrig a system that is designed to make you lose.
Common Types Of Denied And Underpaid Claims We Handle
Insurance companies look for any reason to say no, often using complex language to hide their true intentions. We will identify these traps immediately and force the insurer to address the actual damage to your property. We handle:
- Property damage claims: These are claims involving hurricanes, hail or water damage.
- Business interruption claims: These are cases that occur when the insurer refuses to pay for the revenue you lost while your doors were closed.
- Roof damage disputes: Some insurance companies will try to put the blame on “wear and tear” or “lack of maintenance” to minimize payout.
- Mold and water damage issues: These are cases when adjusters try to get out of paying expensive remediation costs to fix mold and water damage.
- Total loss and actual cash value disputes: The insurance company may also give a value that fails to reflect the real-world cost of rebuilding.
- Homeowners and commercial policy conflicts: We will look for traps the insurance company hid in your policy.
We have seen every tactic in the book, and we know how to counter them. Our team has a history of forcing insurers to pay the full value of a claim, even after they issued an initial denial.
What To Do When Your Insurance Claim Is Denied Or Underpaid
You do not have to accept a lowball offer or a rejection letter as the final word. Here’s what you can do:
- Understand the denial letter to identify the specific reasons the company denied your claim.
- Document all relevant details.
- Review the fine print of your policy.
- Demand a written explanation that forces the company to justify its decision.
- Work with independent professionals to conduct a thorough inspection that reflects the true scope of your loss.
- Monitor strict appeal deadlines.
- Partner with a board-certified attorney.
Our lead attorney has been board-certified since 2013. This means you trust our team to have the skill to handle even the most complex cases.
Why The Loyd Law Firm?
We bring a level of personal dedication that large law firms simply cannot match. Shannon Loyd has been board-certified in Consumer and Commercial Law since 2013, a distinction that only roughly 1% of Texas attorneys have.
Our firm is not afraid to go to trial, and our track record includes verdicts exceeding $1 million for our clients. We offer boutique service where you are a person with a name, not just a case number on a folder. We represent clients from our headquarters in Houston to clients in Dallas and across the nation.
Call Us Today For Denied Or Underpaid Claims In Houston
You do not have to fight a multibillion-dollar insurance company alone. We are ready to use our insider experience to hold your insurer accountable and secure the funds you need to rebuild. Call us at 210-775-2234 or complete this form to talk to our legal team in Houston.