9601 McAllister Fwy Suite 510
San Antonio , TX 78216
210-702-3000
210-702-3000 (local)
TEXAS INSURANCE LAWYERS
The legal team at Pusch & Nguyen Law is known across Texas for their determination when it comes to the insurance claims process. Whether you're a homeowner, renter, or commercial property owner, we have the expertise to handle your insurance claim. Our team of experienced insurance lawyers is dedicated to ensuring that our clients receive fair and just compensation for their losses. We specialize in a wide range of insurance types, including home insurance, renters insurance, flood insurance, and commercial insurance claims. If you're in need of legal representation for an insurance claim, we're here to help.
FREE CLAIM EVALUATION
Dealing with the aftermath of an insurance claim? We can help.
Experienced Insurance Lawyers Fighting For You
Pusch & Nguyen specializes in providing legal assistance to individuals and businesses dealing with insurance claims. Our team of experienced insurance lawyers in Texas is dedicated to helping clients navigate the complexities of insurance coverage, including renters insurance, home insurance, flood insurance, and commercial insurance claims. We understand that dealing with insurance companies can be stressful and time-consuming, and we are here to provide guidance and support throughout the process.
We believe that effective communication is key to a successful attorney-client relationship. That’s why we prioritize keeping our clients informed and involved in their case every step of the way. If you have questions or concerns about your insurance claim, we encourage you to reach out to us. We are committed to providing personalized and responsive legal representation, and there is no cost or obligation for an initial consultation.
At Pusch & Nguyen, we are dedicated to helping our clients get the compensation they deserve. Whether you need help filing a claim, negotiating with an insurance company, or appealing a denied claim, our team of experienced insurance lawyers is here to help. We strive for the best possible outcome for each and every one of our clients, and we are committed to fighting for your rights. Contact us today to schedule a consultation and learn more about how we can help with your insurance claim.
types of insurance claims handled by Pusch & Nguyen
We offer a free review of your policy and claim and are happy to discuss the issues related to any flood damage, commercial losses, and damage your property has suffered. If you would like our attorneys to review your insurance policy at no cost and with no obligation, please call us at 833-PUSHWIN to schedule a meeting or contact us using this form.
How Does a renters insurance claim work in texas?
How Renters Insurance Works
Renters insurance is a type of insurance policy that provides financial protection to individuals who are renting a home or apartment. It typically covers personal belongings in case of damage or theft, liability protection in case someone is injured while on the rented property, and additional living expenses if the rented property becomes uninhabitable due to damage.
Renters insurance is important for tenants because the landlord’s insurance typically only covers the physical building, not the personal property of the tenant. Without renters insurance, tenants may be responsible for replacing their belongings if they are damaged or stolen. Additionally, if someone is injured while on the rented property, the tenant could be held liable for medical expenses and other damages without liability protection from renters insurance.
Types of Renters Insurance Claims:
Renters insurance typically covers a variety of damages to your personal belongings, including but not limited to:
- Fire damage
- Smoke damage
- Water damage from burst pipes, leaky appliances, or severe weather
- Theft or vandalism
- Damage caused by windstorms, hail, or lightning
- Damage caused by vehicles or aircraft
- Damage caused by civil commotion or riots
The exact coverage may vary depending on your insurance policy and the specific damages that occured. Additionally, renters insurance typically does not cover damages caused by floods or earthquakes.
texas flood insurance
Severe storms, particularly between April and July, can annually ravage parts of Texas. The damage inflicted by floods and other extreme weather events such as hurricanes can be extensive, resulting in billions of dollars worth of destruction each year to both residential and commercial properties. Having insurance coverage for flood damage is crucial, but when insurance companies act in bad faith, you may be left without the financial compensation necessary to restore your property to its pre-damage condition. In such a situation, seeking legal help from an insurance lawyer can be essential to hold your insurance company accountable and obtain the compensation you deserve.
WHEN TO LOOK FOR A FLOOD INSURANCE ATTORNEY:
As a policyholder, you place your trust in your insurance company to uphold the terms of your policy. However, when greed or other factors lead them to act in bad faith, it is crucial that they are held responsible so that you can receive the resources you require. If you have been affected by flood damage and your insurance company is not fulfilling their obligations, reach out to the Texas flood insurance lawyers at Pusch & Nguyen by dialing 833-PUSHWIN. Our team of compassionate and dedicated attorneys is available to discuss your case and provide guidance.
types of storm damage losses
NEED HELP WITH A COMMERCIAL INSURANCE CLAIM?
Severe weather conditions can pose a threat to commercial properties in Texas all year round, but particularly between April and July. Floods, high winds, hailstorms, and tornadoes can all cause significant damage to your property during these months. Fortunately, having insurance coverage can provide a level of protection. However, if your insurance company fails to provide rightful compensation for storm damage, you may need to consider legal action.
Dealing with a difficult insurance company can be a frustrating and overwhelming experience. If you find yourself in this situation, you don’t have to face it alone. Our team of experienced insurance lawyers can help you navigate the complexities of storm damage claims and ensure that your rights are protected. We understand the nuances of insurance law and can help you fight for the compensation you deserve. Whether you need assistance with filing a claim or pursuing a lawsuit, our team at Pusch & Nguyen is here to help.
We Push
You Win
insurance attorneys that will fight for you
Our aggressive legal team work together seamlessly for the benefit of our clients. Whether your goal is to settle your case as quickly as possible or fight for maximum compensation, even if that means a court date, we can help make the process as easy and painless as possible.
RENTERS and home insurance in texas
Imagine this scenario: your home was severely damaged by a flood. In a hurry to restore your property, you call your insurance company to file a flood damage claim. After a few days, an adjuster finally visits your home to inspect the damages. You watch as the adjuster scribbles something in their notebook, and you feel assured that your claim is being taken care of. In the meantime, you have contractors provide estimates for repair costs, which seem high but you trust your insurance company to cover the expenses.
Then, a letter arrives from your insurance company. As you read it, your heart sinks as you see the word “denied” or realize that the check they sent barely covers half of the repair costs. You wonder what went wrong and if you did everything you could to get fair compensation for your flood claim. Unfortunately, insurance carriers often deny legitimate flood damage claims in Texas, making it difficult for policyholders to get the compensation they need.
Getting a fair settlement for a flood damage claim can be a challenging process, but it’s not impossible. While there are no guarantees, there are steps you can take to increase your chances of success. Remember, insurance companies may not be forthcoming about the difficulties of resolving a flood damage claim. However, with the right approach and guidance from experienced professionals, you may be able to secure the compensation you deserve.
HOW TO WIN A FLOOD DAMAGE CLAIM:
STEP 1: FILE YOUR CLAIM ON TIME
File your flood damage claim promptly within the specified timeframe to avoid losing your entitlement to compensation. Contact your insurer to check the deadline for filing your claim and file it as soon as possible following the flood.
STEP 2: DOCUMENT THE FLOOD DAMAGE
Take detailed photos of the damage to your property after the flood to support your compensation claim. Make sure the photos vividly illustrate the extent of the damage incurred.
STEP 3: MITIGATE FURTHER DAMAGE
Take action to prevent further damage to your property, as required by most insurance companies. Failure to do so could result in a rejected claim. These measures may include installing a tarp over a damaged roof to prevent further water damage.
STEP 4: HIRE AN INSURANCE LAWYER
To level the playing field and receive fair compensation, hire an experienced flood damage lawyer. Most operate on a contingency basis, so you don’t pay any upfront fees. An attorney can provide a legally trained perspective on what constitutes a fair settlement and help you obtain the compensation to which you are entitled.
HOW HOME INSURANCE CLAIMS WORK:
Home insurance is a crucial financial protection that helps homeowners recover from unexpected events that may damage or destroy their property. With the right coverage, homeowners can receive financial assistance to repair or rebuild their homes after a covered loss, which can range from natural disasters such as storms and wildfires to theft and vandalism. Policies in Texas can vary, but typically cover losses caused by a range of events, including:
- Fire and smoke damage
- Wind and hail damage
- Lightning strikes
- Water damage from burst pipes, but not flooding from natural disasters
- Theft and vandalism
- Falling objects, such as trees or debris
- Personal liability for accidents that occur on your property
- Additional living expenses if you have to temporarily move out of your home due to damage.
Always remember to review your specific policy to understand what is and isn’t covered. Some policies may require additional coverage for certain events, like flooding or earthquakes.
HOW TO FILE A CLAIM:
If your home sustained damage, filing an insurance claim can help you receive compensation for your losses. However, navigating the claims process can be complicated, and it’s important to understand the steps involved in filing a claim. From contacting your insurance company to receiving payment, each step of the process can have a significant impact on the amount of compensation you receive.
In Texas, the process for filing a home insurance claim typically involves the following steps:
- Contact your insurance company: As soon as possible, notify your insurance company of the damage to your home. Provide details about the damage and any injuries that may have occurred.
- Meet with the adjuster: After filing a claim, an insurance adjuster will be assigned to assess the damage to your property. The adjuster will work with you to determine the amount of compensation you are entitled to.
- Review your policy: Your insurance policy will outline the specific coverage and exclusions that apply to your claim. Review your policy to ensure you understand your coverage and the amount of compensation you may receive.
- File a proof of loss: In Texas, you may be required to file a sworn proof of loss statement that details the extent of the damage to your property.
- Receive payment: If your claim is approved, you will receive payment from your insurance company. The amount of compensation you receive will depend on the type of coverage you have and the amount of damage sustained.
covered insurance claims in texas
COMMERCIAL INSURANCE CLAIMS
If your business has experienced property damage, you may have uncertainties about the commercial insurance claims process. Pusch & Nguyen has a team of dedicated insurance dispute lawyers who strive to ensure that our clients receive a just settlement. As your case goes through various stages during the business insurance claims process, it is vital to work with a professional than can help you to understand each step.
Regardless of whether you seek our assistance at the outset or at any point of the commercial insurance claims process, the Pusch & Nguyen team is here to help you navigate your commercial insurance claims journey with ease. We strive to deliver top-notch legal representation to our clients. Our team of Texas insurance lawyers is dedicated to advocating for our clients and keeping them informed every step of the way.
DO YOU HAVE QUESTIONS ABOUT YOUR TEXAS BUSINESS CLAIM?
Common issues with insurance claims
My insurance company underpaid my claim. What are my options?
When an insurance claim is not paid in full, it can be just as detrimental as having the claim denied altogether. Luckily, you do not have to accept an inadequate payout as final. Many insurance policies have provisions that allow you to seek mediation or appraisal to resolve the dispute. If necessary, you can also take legal action against your insurer, and if successful, they may be required to cover your legal fees and other associated costs.
What does a public adjuster do?
A public adjuster is a licensed professional who can help homeowners navigate the home insurance claim process by assessing the damage, estimating the cost of repairs, and negotiating with the insurance company to ensure that the homeowner receives fair compensation. They work on behalf of the homeowner and are not affiliated with any insurance company, so their goal is to get the maximum payout for the homeowner.
What is a Sworn Proof of Loss?
A Sworn Proof of Loss is a document that is mandatory for most property insurance policies. Its purpose is to formally inform the insurance company that you are making a claim and provide details about the damage or loss. Usually, it must be submitted within a specific timeframe, and failure to do so may result in a rejected claim or prevent you from filing a lawsuit. Furthermore, submitting this form usually sets a deadline for the insurance company to pay your claim.
What is the time frame for insurance companies to pay out claims?
The amount of time it takes for your insurance company to pay your claim depends on various factors, including the state you live in and the type of insurance you have. In some states, there are specific time frames for acknowledging and paying claims, while others only require that claims be paid in a "reasonable time." Typically, the payout period for homeowner's and auto insurance falls within 30 to 45 days, and anything longer than 60 days is considered a delayed payment. Keep in mind that different types of insurance may be subject to different regulations. However, if you suspect that your insurance company is intentionally delaying payment, you may have legal options available.
What can't a public adjuster do?
Public adjusters can be a valuable resource for homeowners who are dealing with a home insurance claim, but it's important to understand their limitations. They cannot:
- File a lawsuit on your behalf
- Take depositions
- Represent you in a sworn statement
Insurance companies are aware of the limitations of public adjusters and may be less wiling to negotiate with them. It's crucial to carefully read any proposed agreement with a public adjuster, as you may be responsible for paying them even after hiring an attorney. Homeowners should be wary of contractors or vendors who pressure them into signing an assignment of benefits, as this document transfers your claim to another party and could prevent you from suing your insurance company.
types of commercial claims in texas
contact aN INSURANCE CLAIMS ATTORNEY
Our legal team specializes in upholding the contractual promises made by insurance companies, ensuring that policyholders’ rights are protected. With extensive experience in commercial insurance dispute litigation and commercial property loss, our attorneys are dedicated to fighting for our clients’ rights. If you feel like your claim underpayment or denial was not made in good faith, we can go over your situation at no charge to you.
Call us today! We would be honored to represent you and protect your legal rights.
FREE CLAIM EVALUATION
Dealing with the aftermath of an insurance claim? We can help.
WHY Pusch & Nguyen Law Firm
IS DIFFERENT
Our aggressive legal team work together seamlessly for the benefit of our clients. Whether your goal is to settle your case as quickly as possible or fight for maximum compensation, even if that means a court date, we can help make the process as easy and painless as possible.
Pusch & Nguyen were my saving grace during a very difficult time.
Lorene j.
I was pleasantly surprised when they came to my house and filed the paperwork. He was so nice and explained everything to me.
laura r.
Our clients praise us for keeping them updated about their cases, communicating openly and honestly, and getting results. With Pusch and Nguyen in your corner, you’ll feel confident and assured in the face of serious injuries and hefty medical bills.
We PUSH, You WIN
