You can dispute your insurance company’s property damage estimate by obtaining independent assessments of the damages and collecting evidence. It’s often smart to work with an attorney who is knowledgeable about high-end property damage claims.
Our insurance claim lawyers in Houston can help you choose the right path to push back against the insurance company. We will work to get you the benefits you are entitled to.
The team at Barcus Arenas, PLLC, has nearly two decades of combined legal experience. Learn more about how we can help you get the benefits you paid for when you call for a free consultation.
What to Do if You Disagree With the Insurance Company’s Estimate
Don’t accept the first offer if you believe it undervalues your loss. Texas law allows you to challenge an insurer’s estimate through multiple avenues. To do so, you will need to collect evidence and compelling information that proves your case.
Get Your Own Independent Assessment
Get written estimates from at least two local contractors. Compare these estimates to the estimate the insurance company provided. If your estimates are significantly different, you may be able to dispute your claim.
Break Down the Numbers
Take the extra step of asking your insurer for a written explanation of how they calculated their estimate. Make sure they include a detailed list of each charge. If there are differences between their details and yours, send your documentation in writing to the claims adjuster.
Collect as Much Evidence as Possible
Take photographs and videos of all damage from multiple angles and distances. Keep copies of all correspondence. Retain all receipts and estimates you have received from your own sources. This information will back up your claim if you contest your insurer.
Contact an Attorney
To protect your rights, seek legal assistance from a law firm that works with high-end property damage cases. Barcus Arenas, PLLC, will guide you through the process and make sure you are treated fairly by the insurance company. We will work for full compensation.
For a free legal consultation, call (800) 941-1041
What is an Appraisal Clause?
An appraisal clause is a contractual provision in most property insurance policies that allows either you or the insurance company to demand an independent review when you disagree about the value of a loss.
If needed, both parties will each choose an appraiser. These two appraisers will then select an umpire. The appraisers will assess the damage, look at estimates, and share their findings. If they agree on an amount, that amount is binding for both sides.
If they do not agree, the umpire will make the final decision. Barcus Arenas, PLLC, can help you understand appraisal clauses and waivers in business insurance.
How to File a Complaint With the Texas Department of Insurance
If your insurance company treats you unfairly, takes too long to process your claim without a reason, or denies coverage that you think is valid, you can file a complaint by:
- Collecting your policy number, claim number, and any communications with the insurance company, such as denial letters and settlement offers.
- Going to the Texas Department of Insurance (TDI) website and filling out the online complaint form or sending a written complaint by mail.
- Having TDI forward your complaint to the insurer, who must respond within a set timeframe.
TDI can’t force a settlement, but a complaint creates an official record and often prompts insurers to take another look at a claim they’ve mishandled. Barcus Arenas, PLLC, can pursue the matter further and help you get the compensation you’re owed.
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What Documentation Do You Need to Dispute a Property Damage Estimate?
Documentation creates a clear record of your loss and supports your position if you need to dispute the estimate. It’s a good idea to start collecting the following information immediately after the damage occurs, if possible:
- Create a file with photos and videos of all the damage taken right after the loss. If you have before-and-after images, include those too.
- Get written estimates from at least two independent contractors or repair shops. Each estimate should list the labor, materials, and costs in detail.
- Collect receipts and invoices for any recent improvements, upgrades, or maintenance on the property.
- Keep all communication with the insurance company. This includes claim forms, adjuster reports, and settlement offers.
- Document the age, condition, and original cost of any damaged items. If you can, add expert assessments or appraisals from specialists.
- Record any temporary repairs or actions you took to prevent more damage.
- Get written statements from witnesses who saw the damage happen.
Organize all documents chronologically and by category. Barcus Arenas, PLLC, can review your documentation and advise on the strongest way to present your case.
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Get Help With Your Insurance Estimate Dispute
You can contest the property damage evaluation made by your insurance company by securing independent damage assessments and gathering supporting evidence. Reach out to our legal team for guidance when an insurer isn’t fulfilling their responsibilities.
Barcus Arenas, PLLC, is ready to help with your commercial property damage dispute. Call now for a free case consultation.
Call or text (800) 941-1041 or complete a Free Case Evaluation form
