Understanding Proof of Loss Requirements for Houston Homeowners

If your Houston home suffers storm damage and you file an insurance claim, your insurer may require a proof of loss, a formal written statement detailing the occurrence, character, and extent of your loss. Many homeowners encounter this requirement only after a hurricane, hailstorm, or windstorm has disrupted their lives. Understanding what a proof of loss is, why insurers require it, and how Texas law protects you can mean the difference between a paid claim and a denied one.

If your insurer has denied or delayed your homeowner claim, Fitts Law Firm, PLLC can help you understand your rights. Call 713-871-1670 or reach out online to discuss your situation today.

What a Proof of Loss Form Actually Requires

A proof of loss is a sworn, written document that formally communicates the details of your claimed loss to your insurance company. It typically requires you to describe what happened, what was damaged, and repair or replacement costs. Under Texas law, your insurer must request all items, statements, and forms it reasonably believes are required, including a proof of loss form, within 15 days after receiving notice of your claim.

The form serves a specific legal function. It provides the insurer with documented proof needed to evaluate your claim. You may submit it through any method your insurer accepts, including mail, fax, or email. Because this document directly affects whether your claim is accepted or denied, accuracy and thoroughness matter.

💡 Pro Tip: Before completing your proof of loss, photograph and inventory every damaged item. Visual evidence strengthens your estimates and makes disputes harder.

Why Houston Insurers Require Proof of Loss

Insurance companies use the proof of loss form as a gatekeeping tool in the Texas insurance claim process. It shifts the burden to you to document and quantify damages in a formal sworn statement. For Houston homeowners dealing with hurricane, hail, or wind damage, this requirement creates a significant hurdle when damage is extensive and costs are difficult to estimate quickly.

Insurers also rely on proof of loss submissions to set claim timelines. Under TEX. INS. CODE § 542.056, the insurer must notify you in writing whether it accepts or rejects the claim within 15 business days after receiving all required documentation. If the insurer cannot meet that deadline, it may request up to 45 days extension with written explanation.

What Happens If You Do Not Receive Claim Forms on Time

Your insurer has deadline obligations under Texas law. After receiving written notice of your claim, the insurer must acknowledge the claim, begin investigating, and request all necessary forms within 15 days per TEX. INS. CODE § 542.055. If the insurer fails to send required forms, including proof of loss, within that period, it generally cannot later use your failure to submit those forms as grounds for denial.

💡 Pro Tip: Mark the date you submitted written notice on a calendar. If 15 days pass without acknowledgment or forms, document that gap, it may become critical evidence later.

How to Complete and Submit Your Proof of Loss in Texas

Filling out a proof of loss form requires careful attention, but you do not need to rush. If your insurer pressures you to estimate losses before you can do a thorough job, write "undetermined" on the form, sign and submit it, then supplement it later with accurate figures. This protects your claim while giving you time to gather contractor estimates, inventory damaged belongings, and document property damage properly.

Key Steps for a Strong Submission

Organizing your submission reduces claim denial risk. Consider these steps:

• Request your full policy to understand coverage requirements.
• Photograph and video all damaged areas before repairs.
• Obtain written estimates from licensed contractors.
• Keep copies of every document sent to or received from your insurer.
• Submit via a method creating a delivery record, such as certified mail or email with read receipt.

Written communication is essential. United Policyholders, a nonprofit consumer advocacy organization, advises Texas policyholders to communicate in writing with insurers for a clear paper trail. This prevents insurers from later claiming they never received critical information. Find additional guidance on policyholder rights in Texas from United Policyholders.

💡 Pro Tip: Send your proof of loss via certified mail with return receipt, and save a digital copy. Proving when and how you submitted the form can be decisive in disputes.

What Happens If You Miss the Proof of Loss Deadline

A late submission does not automatically destroy your claim. Under Texas law, if providing proof of loss within the policy’s timeframe was not reasonably possible, a late submission doesn’t mean automatic dismissal. Courts recognize that catastrophic storms, displacement, and damage assessment complexity can make strict compliance impractical.

However, do not treat the deadline casually. Insurers frequently use missed deadlines to deny or reduce claims. If you anticipate difficulty meeting your policy’s deadline, notify your insurer in writing, explain the circumstances, and request additional time.

Denied Insurance Claim Attorney in Houston: When You Need Legal Help

If your insurer denies your claim after you submit proof of loss, or uses the form to delay payment, Texas law provides meaningful remedies. Chapter 542 of the Texas Insurance Code governs claim processing and settlement. Under TEX. INS. CODE § 542.060, if the insurance company delays payment beyond the statutory deadline, it may owe penalty interest plus reasonable attorney fees if you sue and win. For weather-related property damage claims under Chapter 542A, the interest rate is calculated by adding 5% to the rate under § 304.003 of the Texas Finance Code. For other claims, the rate is 18% per year.

Texas law also prohibits unfair claim settlement practices. Under 28 Tex. Admin. Code § 21.203 and Tex. Ins. Code Ch. 541, insurers may not misrepresent policy provisions, fail to attempt prompt fair settlements when liability is clear, or refuse to pay claims without reasonable investigation. If your insurer engaged in these practices, you may have grounds for a bad-faith action beyond original policy benefits.

Your Rights Under the Texas Consumer Bill of Rights

The Texas Consumer Bill of Rights gives you specific protections when dealing with a denied home insurance claim. If the company denies your claim in whole or part, it must give you written reasons. You also have the right to reject any settlement amount the insurer offers, including unfair valuations.

💡 Pro Tip: If your insurer offers a low settlement, you’re not obligated to accept it. You may reject any amount, obtain your own estimates, and negotiate or pursue legal remedies for full covered value.

Protecting Your Claim From the Start

Every action after property damage affects whether your insurer pays or denies your claim. Strong homeowner claim documentation in Houston starts with immediate photographs and written records, continues through a carefully completed proof of loss, and extends to every insurer communication. If you’ve been denied, underpaid, or delayed, an experienced denied insurance claim attorney in Houston can evaluate whether your insurer violated the Texas Prompt Payment Act or engaged in unfair settlement practices.

💡 Pro Tip: Keep a dedicated folder for all claim documents including your policy, correspondence, photos, estimates, and proof of loss form. Organized records strengthen your position if litigation becomes necessary.

Frequently Asked Questions

1. Can my insurer deny my claim solely because I missed the proof of loss deadline?

What Texas Law Says About Late Proof of Loss Submissions

Not necessarily. Under Texas law, if providing proof of loss within the policy’s timeframe was not reasonably possible, a late submission doesn’t automatically invalidate your claim. However, insurers may still attempt to use missed deadlines as denial grounds, so documenting obstacles is critical.

2. What should I write on the proof of loss form if I do not know my total damages yet?

Handling Uncertain Damage Estimates

Write "undetermined" on your proof of loss form and submit it, then supplement later with complete figures. This protects your right to claim full damages while complying with the insurer’s request for timely submission.

3. How long does my insurer have to respond after I submit proof of loss?

Texas Prompt Payment Deadlines

Your insurer must notify you in writing whether it accepts or rejects your claim within 15 business days after receiving all necessary documentation, including proof of loss. If it cannot meet that deadline, it may take up to 45 additional days but must provide written explanation under TEX. INS. CODE § 542.056.

4. What penalties can my insurer face for delaying payment on a valid claim?

Interest and Penalties Under the Texas Insurance Code

Under TEX. INS. CODE § 542.060, an insurer that delays payment beyond the statutory deadline may owe penalty interest plus reasonable attorney fees if the policyholder sues and prevails. For weather-related property damage claims under Chapter 542A, the interest rate is variable, calculated by adding 5% to the rate under § 304.003 of the Texas Finance Code. For other claims, the rate is 18% per year.

5. Do I have the right to reject a low settlement offer from my insurer?

Your Right to Challenge Unfair Valuations

Yes. The Texas Consumer Bill of Rights specifically provides that you may reject any settlement amount offered by your insurer, including unfair valuations. You are not required to accept the first offer and may pursue additional remedies.

Taking the Next Step After a Denied or Delayed Claim

Navigating the proof of loss requirement in Texas demands attention to detail, strict deadlines, and clear understanding of your rights under the Texas Insurance Code. Houston homeowners facing insurer pushback do not have to handle the process alone.

If you need guidance on a denied or delayed homeowner insurance claim, contact Fitts Law Firm, PLLC by calling 713-871-1670 or scheduling a consultation online. Your claim deserves thorough review from a team that understands the Texas insurance claim process and fights for policyholders.

Understanding Supplemental Claims for Houston Homeowners After Property Damage

A supplemental claim is a request you file with your insurance company when you discover additional damage or higher repair costs after your original claim has been settled or partially paid. For Houston homeowners who have weathered hurricanes, hailstorms, and flooding, this situation is common. You may have received an initial payout, only to find hidden water damage behind walls, structural issues uncovered during repairs, or increased material costs. Filing a supplemental claim reopens your existing claim to seek the full amount you are owed under your policy. Many Texas homeowners do not realize they have this option, and insurers rarely volunteer the information.

If you believe your insurance company underpaid or overlooked damage on your property, Fitts Law Firm, PLLC can help you understand your rights. Call 713-871-1670 or reach out online to discuss your situation today.

Why Houston Homeowners May Need to File a Supplemental Claim

Houston’s climate exposes homes to repeated weather events, making supplemental claims a critical tool for policyholders. Hailstorms, tropical storms, and flooding can cause layered damage that a single inspection may not fully capture. An adjuster who visits days after a storm might document roof damage but miss moisture intrusion that only becomes apparent weeks later.

Contractors frequently discover additional damage once they begin tear-out and repair work. Removing damaged shingles might reveal rotted decking, or pulling up flooring could expose compromised subflooring. These findings represent legitimate additional losses covered under most homeowner policies. Understanding why you should file a supplemental claim can make the difference between absorbing repair costs out of pocket and receiving the coverage you paid for.

💡 Pro Tip: Before your contractor begins repair work, take detailed photos and video of the existing damage. Once repairs start, hidden damage may be uncovered, and having a clear record of the property’s condition at each stage strengthens your supplemental claim.

When Should You File a Supplemental Insurance Claim in Texas?

Timing matters when filing a supplemental claim, and acting quickly protects your rights under Texas law. Most Texas homeowner insurance policies require claims to be made within one year of the date of loss. Your supplemental claim generally needs to fall within that same window. Waiting too long can give your insurer grounds to deny additional payments.

You should consider filing a supplemental claim when any of the following occur:

• Your contractor’s repair estimate exceeds the insurance company’s original payout
• Hidden or latent damage is discovered during repairs
• Material or labor costs have increased significantly since your original settlement
• A second weather event causes new damage to an area already under repair
• Your original adjuster’s scope of loss missed documented damage

In weather-related catastrophes, the Texas Department of Insurance has authority to extend certain claim handling deadlines. However, filing promptly and documenting everything in writing gives you the strongest position.

💡 Pro Tip: Always submit your supplemental claim in writing, whether by email or certified mail. Verbal requests are difficult to prove later if your insurer disputes the timeline or denies receiving your request.

How the Texas Prompt Payment of Claims Act Protects You

Texas Insurance Code Chapter 542, known as the Prompt Payment of Claims Act, sets strict deadlines that insurers must follow when handling your claim. These rules apply to both original and supplemental claims, giving Houston homeowners enforceable rights when an insurer delays.

Insurer Deadlines Under Chapter 542

Once your insurer receives notice of your supplemental claim, it must acknowledge the claim, begin investigation, and request any necessary information within 15 calendar days under § 542.055. After receiving all requested documentation, the insurer has 15 business days to accept or reject the claim under § 542.056. If the insurer needs additional time, it must notify you in writing with reasons, and it then has an additional 45 days to decide.

Payment Timelines After Acceptance

Once a claim is accepted, the insurer must issue payment within five business days. For surplus lines insurers, the payment deadline is 20 business days. If an insurer delays payment beyond 60 days after receiving all requested items, it can be held liable for the full claim amount plus penalty interest and reasonable attorney fees under Texas Insurance Code § 542.060. For most first-party claims, that penalty interest rate is 18% per annum. However, for weather-related property damage claims subject to Chapter 542A, the penalty interest rate is calculated using the post-judgment interest rate under Texas Finance Code § 304.003 plus five percentage points.

💡 Pro Tip: Keep a log of every date you submit documents and every response you receive from your insurer. If your claim goes to litigation, this timeline can help demonstrate whether your insurer violated the prompt payment rules under Chapter 542.

Common Reasons Insurers Deny or Underpay Supplemental Claims

Insurance companies use several recurring strategies to minimize supplemental claim payouts, and recognizing them early can help you respond effectively.

Disputing Causation or Pre-Existing Damage

Insurers frequently argue that the additional damage existed before the covered event or resulted from wear and tear rather than a storm. They may send a retained engineer to inspect your property and produce a report attributing damage to age or deferred maintenance. An independent inspection by a qualified professional hired on your behalf can often rebut these conclusions.

Undervaluing Repair Costs

Insurers often use pricing software that underestimates local labor and material costs in the Houston market. Your contractor’s estimate may be significantly higher than what the insurer approves. A supplemental claim supported by detailed line-item estimates from a licensed contractor can challenge the insurer’s numbers.

Ignoring or Delaying the Supplemental Claim

Some insurers simply fail to respond to supplemental filings in a timely manner, hoping the policyholder will give up. Under Texas Insurance Code Chapter 541, insurers are prohibited from engaging in unfair settlement practices, including unreasonable delays. If your insurer refuses to acknowledge or process your supplemental claim, this conduct may support a bad-faith claim.

💡 Pro Tip: If your insurer sends an engineer or adjuster to reinspect your property, you have the right to be present and to have your own contractor or public adjuster there as well. Document everything discussed during the inspection.

What Houston Homeowners Should Know About Mortgage and Escrow Issues

If you have a mortgage on your home, your insurance proceeds will generally be placed in an escrow account managed by your lender. Lenders typically release funds in stages rather than as a lump sum. Some release one-third upfront, another third after confirming repairs are underway, and the remaining third after final inspection.

This escrow process can create cash-flow challenges if your contractor requires payment at milestones that do not align with the lender’s release schedule. If your insurer has underpaid the claim and the escrow amount is insufficient to complete repairs, a supplemental claim becomes critical.

How a Denied Insurance Claim Attorney in Houston Can Help With Supplemental Claims

Filing a supplemental claim may seem straightforward, but insurers often treat these filings as opportunities to minimize their exposure. A denied insurance claim attorney in Houston can review your policy language, evaluate the insurer’s response, and help you build the documentation needed to support your claim. This includes gathering independent repair estimates, coordinating professional inspections, and communicating directly with the insurer on your behalf.

When an insurer denies a supplemental claim or offers an unreasonably low payment, legal action may become necessary. Under Texas law, policyholders can pursue breach-of-contract claims and, in cases involving unreasonable conduct, statutory bad-faith claims that carry additional penalties. Having legal counsel involved early often leads to faster and more favorable resolutions.

💡 Pro Tip: Do not sign a final release or waiver from your insurance company without understanding what rights you may be giving up. Some releases prevent you from filing supplemental claims or pursuing further recovery, even if additional damage is later discovered.

Frequently Asked Questions

1. What is the difference between a supplemental claim and a new claim?

A supplemental claim reopens your existing claim to address additional damage or costs not included in the original settlement. A new claim involves a separate loss event with its own date of loss and deductible.

2. How long do I have to file a supplemental claim in Texas?

Most Texas homeowner insurance policies require claims to be made within one year of the date of loss, although policy language varies. Your supplemental claim generally must fall within this same period.

3. Can my insurer deny my supplemental claim?

Yes, insurers can deny supplemental claims by disputing causation, questioning the scope of additional damage, or arguing that the original payment was sufficient. However, the insurer must accept or reject the claim within 15 business days after receiving all required documentation.

4. What happens if my insurance company ignores my supplemental claim?

Under Texas Insurance Code Chapter 542, your insurer must acknowledge your claim within 15 calendar days of receiving notice. If the insurer delays payment beyond statutory deadlines, it may be liable for penalty interest plus attorney fees under § 542.060.

5. Do I need a lawyer to file a supplemental claim?

You are not required to have a lawyer to file a supplemental claim. However, if your insurer has denied, delayed, or underpaid your claim, an attorney with experience in Houston insurance claim denials can evaluate your options and help protect your recovery.

Protecting Your Home and Your Rights After Storm Damage

Filing a supplemental claim is one of the most important steps a Houston homeowner can take to recover the full value of a property damage loss. Texas law provides real protections for policyholders through strict insurer deadlines and penalties for noncompliance, but these protections only work when you assert them. Document every piece of damage, keep copies of all correspondence, and do not accept a settlement that fails to cover your actual repair costs.

If your supplemental claim has been denied or underpaid, Fitts Law Firm, PLLC is ready to help you fight for the coverage you deserve. Call 713-871-1670 or contact us today to discuss your case with a team that stands with Texas homeowners.

How Concurrent Causation Can Lead to a Houston Home Insurance Denial

When a Houston homeowner files a property damage claim after a major storm, the insurer may point to "concurrent causation" as a reason to deny all or part of the payout. Concurrent causation arises when two or more events contribute to a single loss, and at least one falls under a policy exclusion. For example, a hurricane may cause both wind damage (typically covered) and flooding (typically excluded), and the insurer may argue that because both causes contributed, no coverage applies. This doctrine has become a significant obstacle for Houston policyholders after hurricanes and severe storms where wind and water damage overlap. Understanding how concurrent causation works, and your rights under Texas law, can make a significant difference in your claim’s outcome.

If your home insurance claim has been denied and you need guidance, Fitts Law Firm, PLLC is ready to help. Call 713-871-1670 or reach out online to discuss your situation.

What Concurrent Causation Means for Your Denied Insurance Claim Attorney in Houston

Concurrent causation is a legal concept that applies when multiple causes produce a single, inseparable loss. In a typical Houston scenario, a severe storm brings both high winds and flooding. Wind damage to your roof may be covered, but flood damage generally is not. Homeowners insurance in Texas usually excludes earthquakes, floods, landslides, sinkholes, or sewer backups unless the policyholder purchases separate coverage. When an insurer cannot cleanly separate covered damage from excluded damage, it may invoke concurrent causation to deny the entire claim.

The key mechanism insurers use is an "anti-concurrent-causation clause," or ACC clause. This provision states the insurer will not cover damages caused "directly or indirectly" by an excluded event, regardless of any other cause that contributes concurrently or in sequence. In practice, even if wind caused significant covered damage, the mere presence of flood as a contributing factor can allow denial under the ACC clause.

💡 Pro Tip: Review your homeowners policy for an anti-concurrent-causation clause before a storm hits. Knowing whether your policy contains this language helps you anticipate the insurer’s response and what documentation you’ll need.

The Texas Supreme Court Case That Shaped This Doctrine

The leading Texas case is JAW The Pointe v. Lexington Insurance Co., which the Texas Supreme Court decided in a way that strongly favors insurers. A coastal Galveston apartment complex suffered damage from both wind (covered) and flood (excluded) during Hurricane Ike. The insurer paid the wind damage claim but denied coverage for ordinance-compliance costs requiring demolition and rebuilding, because both wind and flood contributed to the city’s "substantially damaged" determination. The Texas Supreme Court analyzed the ACC clause and held that the anti-concurrent-causation clause barred coverage for those ordinance-compliance expenses because flood damage directly or indirectly contributed.

The policyholder argued wind damage alone was a "separate and independent" cause sufficient to trigger the ordinance, and that common law concurrent-causation doctrine should override the policy’s ACC clause, but the court disagreed. The court held that contract language controls and the ACC clause applied by its terms. This ruling marked the first time the Texas Supreme Court directly enforced an ACC clause, giving insurers a powerful tool for denying mixed-cause claims.

💡 Pro Tip: If your insurer cites concurrent causation in a denial, request the specific policy language they’re relying on. You’re entitled to know exactly which clause applies and how it relates to your loss.

Why This Ruling Matters for Houston Homeowners

Houston’s geography and climate make concurrent causation disputes particularly common. Hurricanes, tropical storms, and severe weather regularly produce overlapping wind and flood damage. After JAW The Pointe, insurers have a court-endorsed framework for denying claims where both covered and excluded causes contributed. This makes gathering independent evidence separating wind damage from flood damage critical immediately after a storm.

Your Rights When an Insurer Denies Your Claim

Texas law provides important protections for policyholders, even when an insurer invokes concurrent causation. If an insurance company denies your claim in whole or part, it must provide written reasons under 28 Texas Administrative Code § 21.203 and Texas Insurance Code § 542.056. This denial should identify specific policy provisions relied on.

Texas Insurance Code Chapter 542, the Prompt Payment of Claims Act, sets strict timelines for insurers. Insurers must acknowledge claims within 15 days, accept or reject claims within 15 business days of receiving required documentation, and pay accepted claims within 5 business days. Violating these requirements may result in 18% annual interest on the claim amount plus reasonable attorney’s fees. These deadlines are extended by 15 additional calendar days for weather-related catastrophes.

💡 Pro Tip: Document every communication with your insurer in writing. If they miss a Chapter 542 deadline, that delay may give rise to additional claims and penalties in your favor.

How SB 10/HB 1774 Changed the Penalty Landscape

Effective September 1, 2017, SB 10 (also known as HB 1774) changed several rules for weather-related property claims in Texas. For claims subject to Chapter 542A, penalty interest for delayed payments uses the post-judgment interest rate rather than the 18% rate under Chapter 542, typically resulting in a lower rate. Additionally, policyholders must give insurers at least 61 days of pre-suit notice listing all damages before filing a lawsuit. Failing to provide required pre-suit notice under § 542A.003 can result in lawsuit abatement and limited attorney’s fees recovery.

Steps to Protect Your Claim After a Houston Home Insurance Denial

Taking the right steps immediately after a denial can strengthen your position. Here is what Houston homeowners should consider:

• Request the written denial letter identifying exact policy provisions and factual basis for denial, as required by § 542.056.
• Hire an independent adjuster or engineer to assess your property and separate covered damage from excluded damage.
• Preserve all physical evidence of damage, including photographs, videos, and temporary repair receipts.
• Keep a detailed log of all communications with the insurer, including dates, names, and conversation summaries.

Understanding common reasons Houston home insurance claims get denied can help you recognize whether your insurer’s position is legitimate or potentially actionable. Not every concurrent causation denial is legally sound, particularly if the insurer failed to conduct a thorough investigation.

💡 Pro Tip: The statute of limitations for suing an insurance company in Texas is generally two years, and many policies contain contractual limitations that may impose separate deadlines. Do not wait until the deadline is near to seek legal counsel.

Why a Denied Insurance Claim Attorney in Houston Can Help

An attorney with extensive experience in Texas insurance disputes can evaluate whether your insurer properly applied the concurrent causation doctrine. In many cases, insurers rely on ACC clauses broadly without adequately investigating whether the excluded cause actually contributed to specific damage. A thorough legal review may reveal the denial lacks factual or contractual support.

A property damage claim Houston attorney can also ensure your insurer complied with all Chapter 542 deadlines and documentation requirements. Violations can create additional liability, including interest and attorney’s fees, providing leverage in negotiations or litigation.

Frequently Asked Questions

1. What is concurrent causation in a Texas homeowners insurance claim?

Concurrent causation occurs when two or more causes contribute to a single property loss, and at least one cause is excluded under the policy. In Houston, this most commonly involves wind (covered) and flood (excluded) damage from the same storm. If the policy contains an anti-concurrent-causation clause, the insurer may deny coverage for the entire loss.

2. Can my insurer deny my entire claim if only part of the damage was caused by flooding?

In many cases, yes, depending on your policy language. Under JAW The Pointe v. Lexington, the Texas Supreme Court held that when covered and excluded causes both contributed to a loss, the anti-concurrent-causation clause can bar coverage. However, specific policy language and claim facts matter, and an attorney can evaluate whether the clause was properly applied.

3. What deadlines does my insurer have to follow when processing my claim?

Under Texas Insurance Code Chapter 542, your insurer must acknowledge your claim within 15 days, accept or reject it within 15 business days of receiving required documentation, and pay accepted claims within 5 business days. These deadlines are extended by 15 additional calendar days for weather-related catastrophes. Violations can result in 18% annual interest and attorney’s fees, though weather-related property claims subject to Chapter 542A may use a different, typically lower, interest rate.

4. How long do I have to file a lawsuit against my insurer in Texas?

The time to file suit depends on the claim type and your specific policy terms. Statutory bad faith claims generally have a two-year limitations period, and many homeowners policies contain contractual suit-limitation provisions that may impose separate deadlines for breach of contract claims. Courts interpret these deadlines strictly, so act promptly.

5. What should I do if my Houston home insurance claim was denied based on concurrent causation?

Request the written denial with specific reasons as required by law. Obtain an independent damage assessment to separate covered from excluded damage. Document all communications with your insurer. Then consult with a Texas insurance dispute attorney who can review your policy language, the insurer’s investigation, and whether the denial complied with Texas law.

Protecting Your Home and Your Rights After a Claim Denial

Concurrent causation denials can feel overwhelming, but Texas law provides meaningful protections for policyholders. From strict insurer deadlines under the Prompt Payment of Claims Act to the right to receive written explanations for every denial, you have tools to challenge an unfair decision. The key is acting quickly, preserving evidence, and understanding the specific policy language your insurer relies on.

If you are facing a Houston home insurance denial and need answers, Fitts Law Firm, PLLC can help you understand your options. Call 713-871-1670 or contact us today to get started.