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Insurance Law

Your insurance policy is supposed to be there when you need it, when something beyond your control damages or destroys your property, your home, your business and/or your livelihood. That's why you get an insurance policy, after all: To ensure that if and when disaster strikes, you, your family and your employees have the means to rebuild and stay afloat. It's all the more important in Houston, a place susceptible to hurricanes, floods, tornadoes and other extreme weather.

However, your insurance company is a private company, with their own interests in mind. Their goal is to pay out as little money as possible. When you make a claim, they may claim that your property or business was worth less than it was, or that the damage is not as extensive or that it will not cost as much to rebuild. They may claim your policy does not cover the damage, at all. When that happens, a Houston insurance lawyer can take on the insurance company on your behalf.

Houston Insurance Lawyer

It's unfortunate that a company you've paid to look out for you may try to evade their obligations at your time of need. However, the Houston insurance lawyers at Wilhite & Associates, P.C., will always put your interests first. Our insurance attorneys will fight the insurance company to get you the settlement you deserve, whether your claim is a homeowner's insurance claim or a commercial insurance claim. Wilhite & Associates, P.C., will be on your side. Call us today at (281) 537-2171 for a free consultation to discuss your dispute with your insurance company.

Our office is in North Houston, and we represent clients throughout the Houston area, including in Harris County, Montgomery County, Waller County, Fort Bend County, Grimes County and Washington County.


Texas Insurance Law Information Center


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Insurance Claims in Texas

There are many incidents that can damage or destroy your property that your insurance is supposed to cover, including fire, burglary, theft, flood and windstorms. When such a tragedy strikes, you will likely call your insurance company and report the damage. They are then likely to send an insurance adjuster, who either works for the insurance company or who the insurance company hires, to your property to inspect the damage. The adjuster will then make a report to the insurance company.

What happens next is often where the process goes off the rails for the consumers.

Claim Denial: The insurance company may claim that the damage to your property is not covered under your insurance policy. Infamously, an insurance company may claim that, after one of Houston's notorious storms or hurricanes causes a flood that wrecks your home or commercial building with water damage and mold, that the flood clause of your policy does not cover such damage because the water came from the sky and not the ground. They may claim, after your building burns down, that somehow you were at fault and therefore they will not pay.

Undervaluation of Property/Insufficient Settlement: The insurance company may offer you a settlement, but it could be far less than necessary to properly rebuild. They could undervalue your property and claim the settlement is all you deserve. Or, they could get an estimate for repairing the damage that is far less than what it would truly take to rebuild from less skilled builders, or a cheaper reconstruction that is of a lower quality.

Delayed Payment: The insurance company may demand excessive documentation from your to prove your damage. They may give you an appointment with an insurance adjuster that in unnecessarily too far in the future. They may sit on your case, claiming they will make an offer or pay you when they get around to it. These may all be efforts to delay your payments as much as the insurance company can get away with — and they might get away with it, if you don't act.

Policy Cancellation: After you have already made a claim, the insurance company may attempt to retroactively cancel your policy so they don't have to pay anything. This is sometimes called a "post-claim underwriting." They may claim attempted fraud or other reasons to justify their decision.


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Fighting Actions of Insurance Companies in Harris County

Any of the above decisions of the insurance company can be made out of genuine mistake or misunderstanding, or out of dishonest, fraudulent conduct. Either way, a Houston civil litigator can help you clear up the matter and get the payment you deserve from the insurance company.

A Houston insurance lawyer can help you find experts and contractors that can give you an accurate estimate on what your property is worth and how much it will take to rebuild. Your lawyer can then negotiate a more true settlement with your insurance company. Most insurance companies don't want to go to court. Once they discover you have a Houston insurance claims lawyer on your side, they're more likely to settle for a more favorable amount.
If the insurance company still refuses to offer a satisfactory settlement , we can and will take them to court. If dishonest or fraudulent behavior can be shown, you may be eligible for punitive damages.


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Houston Insurance Resources

Texas Department of Insurance: This state agency monitors and regulates the insurance industry in Texas.

Title 28 of the Texas Administrative Code: This is the section of state law that governs insurance in the State of Texas.

Texas Attorney General Insurance Page: Discussion from the state's top law enforcement official on consumer rights for insurance.


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Wilhite & Associates, P.C. | Harris County Attorney for Insurance Claims

Don't fight your insurance company alone, and don't feel obligated to take whatever they give you. The Houston insurance lawyers at Wilhite & Associates, P.C., are here to help. Contact us today at (281) 537-2171 to set up a free consultation to discuss your insurance claim.

Wilhite & Associates, P.C. represents clients from all over Southeast Texas, including:

Harris County - Aldine, Atascocita, Barrett, Barker, Baytown, Bellaire, Brownwood, Bunker Hill Village, Channelview, Clear Lake, Cloverleaf, Crosby, Cypress, Deer Park, East Houston, El Lago, Galena Park, Hedwig Village, Highlands, Hilshire Village, Houston, Hudson, Humble, Hunters Creek Village, Jacinto City, Jersey Village, Katy, Kingwood, Klein, La Porte, Louetta, Lynchburg, Nassau Bay, North Houston, Pasadena, Piney Point Village, Seabrook, Sheldon, Shoreacres, South Houston, Southside Place, Spring, Spring Valley, Taylor Lake Village, Tomball, Webster, West University Place

Montgomery County - Conroe, Cut and Shoot, Magnolia, Montgomery, Oak Ridge North, Panorama Village, Patton Village, Roman Forest, Shenandoah, Splendora, Stagecoach, Willis, Woodbranch, Woodloch, The Woodlands

Fort Bend County - Arcola, Beasley, Fairchilds, Fulshear, Kendleton, Meadows Place, Missouri City, Needville, Orchard, Pleak, Richmond, Rosenberg, Simonton, Stafford, Sugar Land, Thompsons

Waller County - Brookshire, Hempstead, Pattison, Pine Island, Prairie View, Waller

Grimes County - Anderson, Bedias, Iola, Navasota, Todd Mission

Washington County - Brenham, Burton, Chappell Hill

The hiring of a personal injury attorney or other civil law attorney is an important decision that should not be based solely upon advertisements. Before you decide which Houston attorney to hire for your case, ask us to send you free written information about our legal experience and qualifications.

This site is sponsored by George W. Wilhite, P.C. Our principal office is located in Harris County, Texas at 17101 Kuykendahl Rd., Houston, TX 77068.

The information provided on this website is for general information purposes only. The information you obtain at this website is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your own particular situation. The content of this site, including but not limited to written text, images, videos, and informational articles, has not been prepared, endorsed, or reviewed by any form of licensed medical professional, doctor, or physician. The information you obtain at this site is not, nor is it intended to be, medical advice. All visitors are encouraged to consult with a physician or other licensed medical professional for any form of medical advice.

Use of this website or submission of an online form does not create an attorney-client relationship. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. No attorney-client relationship is formed until after you consulted with an attorney at Wilhite & Associates, P.C. and have signed a client agreement. Please do not send any confidential information to us until after an attorney-client relationship has been established. Contact us today for more information.

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