Common Questions

Homeowners Insurance FAQ

When the worst happens to your property or possessions, it’s hard to know where to turn. This is especially true if the insurance company has denied your claim or given you a settlement offer that is much less than what you need to recoup your losses. When this happens, having a knowledgeable attorney by your side can make all the difference. 

Here at the Law Offices of Colby Lewis, we understand that tough circumstances require tough legal representation. We will fight for your right to recover fairly from an insurance company. Our legal team knows what to do – and what not to do – to maximize your payout so you can get back to your life fast.

We are dedicated to giving our clients all the information they need to make informed decisions about their case. To that end, we’ve compiled a list of the most frequently asked questions we receive from our clients. If you have further questions, or are ready to get started on your claim, contact the trusted legal professionals at the Law Offices of Colby Lewis today.

  • Can I sue an insurance company in Texas?

Generally, you can’t sue the insurance company directly. This is because Texas is not a “direct action” state, meaning that you must first sue the person responsible for the accident. Once you have received a judgment against that person you may then have the option of suing the liability insurer. Because it can be complicated to know who the right person is to bring an action against, consult with a Texas homeowners insurance claim attorney.

  • How to negotiate a homeowners insurance settlement?

Negotiating a homeowners insurance claim can be complex and, once an offer is accepted, you lose your right to bring another action if you still have outstanding damages. Because of the serious and complicated nature of negotiating a settlement, it’s vital to work closely with an insurance settlement attorney.

  • How long does an insurance company have to settle a homeowners claim in Texas?

Texas laws protect claimants from insurers unnecessarily dragging out the claims process by enforcing a 35-day time limit. If an insurer fails to make a determination within 35 days of the receipt of a claim, you may have grounds to sue them. Note that there is an exception to the 35-day rule when the insurer can request a 10-day extension if needed.

  • What not to say to a home insurance adjuster?

Speaking to an insurance adjuster can be tricky as saying the wrong thing can ruin your chances of recovering compensation. It’s best to allow an experienced home insurance lawyer to negotiate on your behalf. If you do choose to speak to an insurance adjuster, keep the following 5 tips in mind:

  1. Do not admit fault
  2. Refrain from discussing your injuries, medical treatment or prognosis
  3. Do not discuss details of the accident such as how it occurred or the damage caused
  4. Never allow an insurance adjuster to record you as recorded statements can be used against you later
  5. Have an experienced attorney review any settlement offer before you accept it because, once you do, your claim is extinguished and you cannot bring further action

When speaking with an insurance adjuster, it’s important to remember that they don’t work for you – their objective is to pay as little as possible. Don’t help them shortchange your claim by falling into one of these traps.

  • Your property is safe with Colby Lewis

At the Law Offices of Colby Lewis, we know how to negotiate with insurance companies to get you the very highest settlement offer possible. When disaster strikes and you need a competent attorney by your side, contact the experienced homeowners insurance lawyers at the Law Offices of Colby Lewis.