Ike claims

Ike has created a series of problems for many residences of Southeast Texas - people don't need more problems in dealing with contractors or more importantly, their insurance companies.

Texas law is very protective of consumer rights with respect to insurance claims and settlements.

• If you have suffered damage by unfairly aggressive, deceptive, or negligent practices of your insurance company, or
• If your hurricane damage claim has been unfairly rejected by your insurance company, or
• If an insurance adjuster has underestimated the cost of your losses caused by a hurricane...

If any of these things have happened to you in the wake of a recent hurricane, you should seek help from a qualified insurance claims lawyer. Don't waste time getting help from an attorney with experience handling first party insurance claims.

Legal Services

• Denied Claims
• Bad Adjusters
• Roof Damage
• Low estimates
• Bad faith

Disparti Law Group, P.A. can act as your own insurance attorney to stand up for your rights and ensure fair treatment by your insurance company. At DLG - our job and our experience is to protect your interests and that means making sure your insurance company treats you in a fair AND timely manner.

All Insurance and Hurricane Claims

Insurance Company Bad Faith • Improper Denial of Insurance Claims

An insurance policy is a contract between the insurance company and the insured. Both parties are bound to the terms of the contract and must act in good faith. If a legitimate claim is filed but denied by the insurance company, then the insurance company has violated the terms of the contract and acted in bad faith.

The insurance policyholder can file a legal claim against the company for the damages that should have been paid and may be able to collect additional expenses that arise out of suing the insurance company. Such a legal action is often called an "insurance bad faith lawsuit."

The lawyers at Disparti Law Group, P.A., have substantial knowledge of insurance bad faith lawsuits and wrongful denial of insurance claims.

Our clients include individual homeowners, businesses and condominium associations. All of our clients have suffered property damage or total property loss and have been denied just compensation from their insurance company.

When To Consult an Attorney About Insurance Bad Faith

There are several stages of the insurance claim process at which you should consider consulting an attorney:

• After an Insurance adjuster denies your claim
• After a series of communications between you and your insurance company, the insurance company still refuses to pay, or offers a payment amount that is significantly lower than the value of the damage
• The insurance company suggests that you use an appraisal service to determine how much you should be reimbursed — it is very important to consult an attorney before going to appraisal, because you may give up your right to a jury trial

No matter where you are in the insurance claim process, we can step in and take over negotiations. In addition to using our own legal knowledge to interpret your insurance policy, we work with a variety of experts to build a strong argument on your behalf. Depending on the case, we may call in weather experts, insurance policy language experts, damage assessment experts, professional business valuators, or land surveyors.

Contact Our Office Today
If you are involved in a dispute with your insurance company over a claim you have already submitted, or if you have suffered a loss that you believe will be difficult to prove, we invite you to contact us to schedule a free and confidential appointment with one of our lawyers.

Contingency Fees, Free Consultations and On-Site Visits

We litigate homeowners' insurance claims on a contingency fee basis only. This means that we accept no attorneys' fees up front; neither do we ask you to put up the cost of any experts we need to build a strong case on your behalf. We do not get reimbursed for our time or expenses unless and until you receive a settlement of your homeowners' insurance claim. The contingency fee structure means that our attorneys are your partners; we present a united front on your behalf against the insurance company.

Insurance Disputes After Hurricanes and Windstorms

Windstorms and hurricanes can be absolutely devastating, and the process of submitting an insurance claim after the storm can take a further toll.

If your insurance company has denied your claim for property damage following a hurricane or windstorm, you are not alone. Insurance companies often deny or lower damage claims based on hurricane or windstorm damage.

The insurance company may claim that the damage existed prior to the hurricane or windstorm, or was caused by water instead of wind, or was caused by long-term neglect.

Assistance From Attorneys Experienced in Handling Insurance Claims Following Hurricanes and Windstorms

We provide knowledgeable and aggressive advocacy on your behalf with your insurance company, no matter what stage of the dispute you find yourself in. We represent homeowners, businesses and condominium associations.

We handle insurance claim cases on a contingency fee basis. This means that we do not accept attorneys' fees up front, nor do we require our clients to pay in advance for the teams of experts that are often required in hurricane and windstorm damage cases. We do not accept payment unless and until you receive a check from the insurance company.

Is an Appraisal in Your Best Interest?

If you disagree with your insurance company about the amount offered in settlement of your damage claim following a hurricane or windstorm, you have the legal right to get an appraisal of the damage. You should, however, seek legal advice about your claim before choosing to participate in appraisal.

If you choose appraisal, you lose your right to a jury trial in a lawsuit against your insurance company to determine the amount of damages to your property, and you agree to abide by an umpire's ruling. In some cases, an appraisal may be the best option, but talk to an experienced lawyer before making the decision.