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Property Insurance Law

Houston Property Insurance Claim Lawyers

Insurance companies collect premiums for decades and then look for every reason to deny or underpay claims when disaster strikes. CDF Law represents Houston homeowners and business owners fighting back against bad faith insurance practices, lowball settlements, and wrongful denials.

Free Consultation (713) 955-1186
Practice Areas

Insurance Claims We Fight

Hail Damage
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Hurricane Damage
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Wind/Storm Damage
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Water Damage
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Roof Damage
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Homeowner Insurance
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Frequently Asked Questions

Common Questions About Your Case

My insurance claim was denied — what are my options? +
A denial is not the end of the road. CDF Law reviews your denial letter against your policy language to identify misapplied coverage or bad faith. We file suit against insurers who wrongfully deny claims and routinely recover full policy limits plus attorney's fees and statutory penalties.
What is insurance bad faith in Texas? +
Under Texas Insurance Code Chapters 541 and 542, insurers must investigate claims promptly, respond within statutory timeframes, and deal fairly with policyholders. Violations may result in liability for the full claim amount, attorney's fees, and up to 3x damages for knowing violations.
How long does an insurance company have to pay my claim in Texas? +
Under Texas Insurance Code § 542.058, after receiving all required documentation, the insurer has 15 business days to accept or deny, and must pay within 5 business days of acceptance.
What is the appraisal clause? +
Most Texas homeowners policies include an appraisal clause allowing either party to demand independent appraisal when they disagree on loss amount. CDF Law advises on whether to invoke appraisal or proceed directly to litigation.
Can my insurance company cancel my policy for filing a claim? +
Texas Insurance Code § 551.105 restricts insurers from canceling a policy solely for one or two weather-related claims. If you were dropped after filing a legitimate claim, CDF Law examines whether the cancellation was retaliatory.
Ready to Fight Your Insurance Company?
(713) 955-1186 · No fee unless we win · Direct attorney access — always
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