Your McAllen Property Damage Insurance Claim Attorneys

If You’ve Had a Property Damage Claim Denied, We Can Help You Take the Next Step.

When you sign an insurance policy, you and the insurance company are both making a promise: you’re promising to pay your monthly premiums, and they’re promising to pay out for valid claims. Unfortunately, insurance companies don’t always want to hold up their end of the bargain.

If your residential or commercial property damage insurance claim was denied, you have options to seek compensation. A McAllen property damage lawyer can help you determine whether or not your insurance company is acting in bad faith, and help you find the right path to financial relief.

A home damaged by a hurricane
A broken windshield

When Can You Appeal a Property Damage Insurance Claim Denial?

There are many instances in which property damage claims are denied for valid reasons. However, there are also cases in which insurance companies utilize bad faith tactics in order to avoid paying what they owe. Bad faith tactics broadly include the wrongful denial, delay, or undervaluing of valid insurance claims. Below you can read more about bad faith tactics.

Wrongfully Delaying Claims

When you file an insurance claim, your insurance company is required to respond in a timely manner. Generally speaking, your insurance company will have 35 days from the point of your filing to investigate your claim. However, they may be able to extend that period in complex cases.

Wrongfully Denying Claims

There are many ways that insurance companies can wrongfully deny claims. One of the most common is to claim that the damage was actually caused by something else other than the cause you’re claiming. Another is to argue that you failed to take necessary precautions to prevent further damage.

Failure to Investigate

One way that insurance companies attempt to get out of paying out claims is by declining to investigate those claims in the first place. This may mean that the company is delaying investigation to the point that evidence is no longer available, or it could mean denying a claim without investigating it.

Undervaluing Claims

Another common bad faith tactic used by insurance companies is undervaluing claims. Insurance companies may low-ball quotes, fail to account for all types of damage, or deny coverage for some parts of the claim. An insurance claim attorney can help you fight for whatever compensation you’re owed.

If your insurance claim was wrongfully denied, delayed, or undervalued,

you need help from a property damage insurance lawyer you can trust.

The Process for Getting Compensation for a Denied Property Damage Claim

If your property damage claim was denied, there are steps you can take to try to get coverage. Generally speaking, you can follow the steps below:

  1. Contact a property damage insurance claim attorney.
  2. File an appeal with your insurance company.
  3. File a complaint with the Texas Department of Insurance.
  4. File a property damage lawsuit against your insurance company.
  5. Negotiate a settlement.
  6. Go to court and receive a judgment

Keep in mind that not every case will need to follow every step of the process described above. To learn the right path for your property damage claim appeal, you should speak to an insurance claim attorney.

Valid Reasons Property Damage Claims Are Denied

While insurance companies sometimes act in bad faith, many insurance claim denials are valid. Insurance claims may be rightfully denied for many reasons, including:

  • Failure to pay premiums
  • A lack of evidence
  • Policy exclusions
  • Failure to prevent further damage
  • Late claims

The first step to overcoming an insurance denial is determining the exact justification for that denial. An insurance claim attorney can help you figure out why you were denied and whether or not the reasoning is valid.

A home with a damaged roof
A statue of Lady Justice on a desk with two lawyers

You Can Rely on Millin & Millin Property Damage Lawyers

Here at Millin & Millin Attorneys, our McAllen property damage lawyers are proud to fight on behalf of residential and commercial property owners facing insurance claim denials. We have extensive experience handling denied property damage claim cases, and we have what it takes to help you get whatever financial relief you may be owed.

Why Choose Millin & Millin Attorneys for Your Property Damage Case

With more than 15 years of experience handling property damage claims, you can rest assured that Millin & Millin have the right experience for your case. Our insurance claim lawyers are committed to creating customized, cutting-edge legal strategies for each one of our clients, and we can work with you to achieve a satisfactory outcome. Our qualified attorneys are ready and willing to help you fight for property damage compensation. Don’t wait to get the help you need to seek relief.


A lawyer shaking hands with a client
Two lawyers talking at a table with a scale and a model of a house

Do You Need a Property Damage Insurance Claim Attorney?

In some cases, you may be able to appeal a denied insurance claim without help from an attorney. However, there are other cases in which failing to get help from a capable property damage lawyer can put your claim at risk. If you doubt your ability to appeal the denial, if you are unsure why the claim was denied, or if you feel your insurance company is acting in bad faith, you should seek help from a capable attorney before contacting your insurance company again. In general, it’s a good idea to consult with an attorney if you plan on appealing a denied claim.

If your property damage claim was denied, reach out to a property damage lawyer to figure out the next step.