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Our Insights
Benefits of Hiring a Property Claim Attorney for Your Home Insurance Case
When disaster strikes your home, whether from fire, flood, or other damage, dealing with insurance claims can be overwhelming. Insurance companies often have complex procedures and may offer settlements that do not fully cover your losses. This is where hiring a property claim attorney can make a significant difference. A skilled attorney can help you navigate the claims process, protect your rights, and ensure you receive the compensation you deserve. Why You Should Consider
May 65 min read
Cosmetic Roof Damage Exclusions: What Homeowners Need to Know
Cosmetic roof damage exclusions have become one of the most common—and most confusing—reasons insurers deny hail and wind claims. A homeowner may look at a dented metal roof and think, “That wasn’t there before.” The adjuster may think the same. But the insurer often responds: “It’s cosmetic. No coverage.” Homeowners often learn of these exclusions in their insurance policies for the first time during one of the most stressful moments in their lives. And many ask the same que
Dec 1, 20254 min read
The Importance of Home Inspections in Insurance Claims
Understanding the Connection Between Home Inspections and Insurance Claims Insurance companies are obligated to pay for new damage caused by a covered event. However, they are not responsible for damage that is pre-existing. This distinction often leads to disputes. When an insurer claims that damage existed before a storm, fire, or plumbing leak, they will frequently point to “wear and tear” or “long-standing issues” as a reason to deny coverage or reduce payment. A pre-purc
Jul 30, 20253 min read
Why do prior insurance claims matter?
In Texas, property owners are no strangers to severe weather, plumbing leaks, and other events that can damage a home or business. Even if you recently purchased your property, the previous owner may have filed insurance claims for issues such as roof damage, a fallen tree limb, or water intrusion. These past claims do not simply disappear. They form part of the property’s history and can significantly influence how future claims are evaluated and paid by your insurance compa
Jul 29, 20253 min read
Injured in Car Wreck? We Fight for Justice
Car accidents can change lives in an instant. One moment you are driving along, and the next, you are involved in a wreck that leaves you injured and confused. The aftermath of a car accident can be overwhelming. You may face medical bills, lost wages, and emotional distress. If you find yourself in this situation, it is crucial to know that you do not have to navigate this journey alone. Duke Law Firm is here to fight for your justice. Understanding the Impact of Car Acciden
Jul 15, 20254 min read
Texas Homeowners: Get Insurance Claim Help from The Duke Law Firm
Homeownership in Texas can be a rewarding experience, but it also comes with its own set of challenges. One of the most significant challenges is dealing with insurance claims. Whether it’s damage from a storm, a fire, or any other unexpected event, navigating the insurance claim process can be overwhelming. Fortunately, The Duke Law Firm is here to help Texas homeowners get the assistance they need. Understanding Insurance Claims Insurance claims are requests made by policyh
Jul 15, 20254 min read
Denied Insurance Claim? The Duke Law Firm is on Your Side
Have you ever faced the frustration of a denied insurance claim? You are not alone. Many people find themselves in this situation, feeling overwhelmed and unsure of what to do next. Insurance companies can be tough to deal with, and their decisions can leave you feeling powerless. But there is hope. The Duke Law Firm is here to help you navigate the complex world of insurance claims and ensure that your rights are protected. In this blog post, we will explore the common reaso
Jul 15, 20255 min read
Frequently asked questions
General
The time limit to file a property damage insurance claim varies by policy and state. It's important to review your insurance policy and contact your insurance company as soon as possible to ensure you file within the required timeframe. In most cases, it is best to file your claim as soon as you are aware that you have damage.
When filing an insurance claim, you will need to provide detailed information about the incident, including the date and time, location, description of the damage or injury, and any supporting documentation such as photos, videos, and receipts. It is important to stay organized and maintain all documentation shared with the insurance company.
Storm damages are typically covered by homeowners insurance, but the extent of coverage can vary depending on your policy. Commonly covered damages include those caused by wind, hail, and lightning. However, certain types of storm damage, such as flooding, may require additional coverage. Review your policy and speak with your insurance agent or an attorney to understand your coverage.
To file a claim for roof damage, contact your insurance company as soon as possible to report the damage. Provide detailed information about the incident, including the date and time, description of the damage, and any supporting documentation such as photos or videos. An adjuster will likely be sent to assess the damage and determine the coverage. If you are not satisfied with the adjuster's assessment ask the insurance company for a second opinion or contact another professional to inspect or assist you with your claim.
If a pipe bursts in your home, immediately shut off the main water supply to prevent further damage. Document the damage with photos and videos, and contact your insurance company to report the incident. Provide detailed information about the damage and any necessary repairs. An adjuster will assess the damage and guide you through the claims process.
If your homeowners insurance claim is denied, review the denial letter carefully to understand the reasons. Gather any additional evidence or documentation that supports your claim and consider appealing the decision. You may also want to consult with an attorney who specializes in insurance claims to help you navigate the appeals process.
An insurance deductible is the amount you are required to pay out of pocket before your insurance coverage kicks in. For example, if you have a $1,000 deductible and your claim is approved for $5,000, you will pay the first $1,000 and your insurance company will cover the remaining $4,000. Deductibles can vary by policy and type of coverage. It is becoming common in Texas for you deductible to be based on a percentage of your total coverage -- 1%, 2% or even 5% deductibles are included in many insurance policies.
After an auto accident, ensure everyone's safety and call emergency services if needed. Exchange information with the other driver, including names, contact details, and insurance information. Document the scene with photos and gather witness statements if possible. Report the accident to your insurance company and provide all necessary information to file a claim. Seek medical attention as soon as possible if you have been injured.
An attorney can help with your insurance claim by providing legal advice, negotiating with the insurance company on your behalf, and ensuring that you receive the compensation you are entitled to. They can also assist with gathering evidence and documentation to support your claim and assisting with claims-related expenses.
5 Mistakes Homeowners Make After Storm Damage
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