Have you filed an insurance claim and discovered your own insurer isn’t treating you fairly in Friendswood, Texas? First-party insurance litigation involves disputes between policyholders and their own insurance companies—like when you’re wrongfully denied coverage or offered a lowball payout for property damage or personal injuries.
The Law Firm of Alton C. Todd Personal Injury Lawyers has experience in protecting your rights and ensuring you get the compensation you deserve. Contact us today at (281) 992-8633 to schedule a free consultation with a Friendswood first-party insurance litigation lawyer.
How The Law Firm of Alton C. Todd Can Help With Your First-Party Insurance Dispute in Friendswood, Texas
When you purchase an insurance policy, you expect your insurer to honor its promises. If they delay, underpay, or deny your claim unfairly, it might be time to seek legal support.
The Law Firm of Alton C. Todd Personal Injury Lawyers has been safeguarding the rights of Texas policyholders for over two decades. Our Friendswood first-party insurance litigation lawyers have 58 years of combined experience and have recovered over $500 million for clients facing tough legal battles.
Our Friendswood personal injury lawyers can:
- Investigate your coverage
- Collect evidence
- Communicate with your insurer
- Pursue a trial if needed
- Stand up to bad faith practices
Our track record of over $500 million speaks to our diligence and skill in high-stakes disputes. Contact our law offices in Friendswood, TX, today for a free case evaluation.
An Overview of First-Party Insurance in Texas
A first-party insurance policy is one you hold for your own protection including:
- Homeowners insurance: Covers damage to your house from fires, hurricanes, or theft.
- Auto insurance: Pays for your car’s repairs after collisions or can include personal injury protection (PIP).
- Health insurance: Helps with medical bills if you’re hurt or sick.
- Business insurance: Protects commercial properties or inventory.
When an insurer delays or denies a valid first-party claim, you can’t just switch carriers and forget about it—your current coverage might still be crucial. Plus, you might lose thousands of dollars if the insurer refuses to pay fairly.
That’s why Texas law offers policyholders the ability to file a first-party claim and, if needed, take legal action when insurance companies violate their responsibilities.
Common Tactics Insurance Companies Use in Friendswood, TX
Insurance companies are profit-driven and may not always have your best interest in mind.
While some treat policyholders fairly, others employ methods like:
- Lowball offers: They might propose a settlement far below your actual losses.
- Delaying tactics: Pushing off claim decisions or ignoring phone calls in hopes you’ll give up.
- Misrepresenting policy terms: Claiming a certain exclusion applies, even if it doesn’t.
- Cherry-picking evidence: Highlighting only parts of an adjuster’s report that favor the insurer.
- Demanding excessive documentation: Overwhelming you with paperwork to discourage further pursuit of your claim.
If you suspect these tactics or see inconsistencies in your insurer’s rationale, a Friendswood first-party insurance litigation lawyer can step in. We understand Texas insurance regulations and can combat these unfair methods.
What if the Insurer Accuses Me of Causing the Damage?
In Texas, insurance companies often try to shift blame onto the policyholder, claiming you caused or worsened the damage or injury. For instance, they might say you failed to mitigate losses or engaged in fraud.
We counter these allegations by examining the evidence:
- Property damage: Did you take reasonable measures to protect your home after a storm? Did you promptly report the issue?
- Auto claims: Did you follow your policy rules? Did the accident truly result from your own negligence or something else?
- Health claims: Is the insurer arguing a pre-existing condition? We use medical records to show how your condition genuinely relates to the incident.
Our job is to demonstrate you acted responsibly, that the insurer’s excuses don’t hold up, and your claim is legitimate.
How Much Time Do I Have To File a First-Party Insurance Lawsuit in Texas?
Texas imposes a two-year deadline for filing most first-party insurance lawsuits. If you wait too long, the statute of limitations might bar your claim.
Additionally:
- Evidence can vanish: Photographs, witness memories, or repair invoices might fade or disappear.
- Paperwork can pile up: The longer you delay, the more complicated it may be to track all needed documents.
- Insurers often exploit delays: They might claim your tardiness suggests you’re not serious or that the damage wasn’t as severe as you stated.
Contacting a lawyer as soon as possible improves your chance of building a solid case and recovering funds faster.
Contact a Friendswood First-Party Insurance Litigation Attorney for a Free Consultation
Are you locked in a dispute with your own insurance company over legitimate claims? Don’t let them use technicalities or bad faith tactics to avoid paying you. The Law Firm of Alton C. Todd Personal Injury Lawyers—with 58 years of combined experience and over $500 million recovered—is here to help policyholders in Friendswood, Texas stand up for their rights.
Call our Friendswood first-party insurance litigation attorneys for a free consultation. We’ll examine your policy, document your losses, and explore the best path forward.
