Texas Insurance Claim Attorneys
When hail, wind, or fire damage hits your Texas property, you need more than a contractor—you need a legal team that knows how to stand up to insurers. Payne Law represents homeowners, HOAs, and businesses throughout Texas in denied, delayed, or underpaid insurance claims, including storm, hail, water, and fire damage. From Houston to Dallas, San Antonio, Austin, and Corpus Christi, we’ve built our reputation on fast action, airtight documentation, and proven results that help Texans rebuild stronger.
Why Texans Choose Payne Law
Texas weather doesn’t play fair—and neither do some insurance carriers. Whether it’s a hailstorm in North Texas, a hurricane on the Gulf Coast, or burst pipes from a winter freeze, our attorneys understand both the claims process and the Texas insurance laws that protect policyholders.
We’re not just familiar with Texas policies, we work with local engineers, roofing experts, and public adjusters to prove damage the right way, ensuring you get full and fair compensation.
Our firm handles:
- Roof and exterior wind damage
- Hail impact and material matching
- Water and freeze-related pipe bursts
- Fire and smoke losses
- Business Interruption (BI) and commercial property claims
- Denied or lowballed payouts
From El Paso to Galveston, Payne Law protects Texas homeowners and business owners with a simple promise: we don’t let carriers off easy.
Texas's Practice Areas
Hurricane & Tropical Storm
Flooding, wind damage, and interior destruction.
Wind Damage
Roof leaks, broken windows, and structural issues.
Hail Damage
Roof dents, cracked windows, and siding damage.
Roof Damage
Full replacement, active leaks, missing shingles.
Water Damage & Leaks
Plumbing leaks, appliance overflows, and mold risk.
Mold Damage
Hidden growth, remediation, air quality.
Fire & Smoke Damage
Property destruction, smoke residue, and rebuild costs.
Lightning & Power Surge
Power surges, electrical fires, and system failure.
Tornado Damage
Structural collapse, debris impact, and roof loss.
Sinkhole Damage
Subsidence, foundation cracks, structural shift.
Snow & Ice Damage
Snow load, ice dams, and freeze-burst pipes.
Personal Injury
Car accidents, slip and falls, and serious injuries.
Commercial & Large Loss
Business interruption, vandalism, and fire damage.
Denied or Underpaid Claims
Low offers, delays, claim denials.
Common Insurance Claims in Texas
- Hail & Wind Damage: Texas leads the nation in hail losses, with storms regularly striking the Dallas–Fort Worth, Austin, and Waco areas. Roof systems—shingle, tile, and metal—often suffer pitting, bruising, or creasing that insurers label “cosmetic.” We know how to document functional hail damage and force fair valuation.
- Hurricane & Tropical Storms: The Texas Gulf Coast—from Corpus Christi to Houston and Galveston—faces severe hurricane seasons every year. We handle wind-driven rain, roof uplift, and water intrusion claims that require both wind and flood coordination.
- Freeze & Water Damage: Inland Texas cities see frequent winter freezes that rupture pipes and flood interiors. We document the cause, prove mitigation, and recover for both water remediation and rebuild costs.
- Fire & Smoke Damage: Electrical fires, lightning strikes, and wildfire exposure across central and west Texas can devastate homes and small businesses. We ensure you recover for the structure, contents, smoke cleanup, and temporary housing.
- Commercial & HOA Claims: Apartment complexes, multi-tenant offices, and neighborhood associations often face coverage confusion. We clarify master policies vs. unit responsibilities, ensuring every structure is properly documented and reimbursed.
Understanding Texas Claim Deadlines & Laws
Texas insurance law (Chapter 542 of the Texas Insurance Code) sets strict deadlines for insurers to acknowledge, investigate, and pay claims. When they don’t comply, you may be entitled to statutory interest and attorney’s fees under Texas bad-faith laws. Payne Law monitors every timeline, so your claim doesn’t fall through the cracks.
Our team tracks:
- Prompt notice and proof-of-loss deadlines
- Carrier acknowledgment and payment timelines
- Supplement and reinspection rights
- Appraisal and litigation options when settlement stalls
If your carrier drags its feet, we pursue penalties and interest where appropriate to hold them accountable.
When Texas Businesses Call Us
From Houston’s Energy Corridor to Downtown Dallas, Austin tech campuses, and San Antonio industrial parks, Payne Law helps commercial clients recover from property and business interruption losses.
We build claims that cover:
- Damaged TPO and metal roof systems
- HVAC, electrical, and lighting systems
- Contents, inventory, and equipment
- Business Interruption (BI) and Extra Expense
- Ordinance or Law/code compliance costs
For small business owners, contractors, and property managers alike, we handle the policy—and the paperwork—so you can get back to operations faster.
- Deep experience with Texas disputes
- Clear updates and a straightforward game plan
- We negotiate hard; then litigate when needed
- Serving homeowners, businesses, and HOAs across Florida
These testimonials and case results do not guarantee similar outcomes. Every case is unique and depends on the specific facts and circumstances involved.
More About Payne Law
With a team of skilled attorneys, Payne Law focuses on property insurance disputes and serious injury cases for homeowners, HOAs, and businesses across Florida, Georgia, Colorado, North Carolina, South Carolina, and Texas. Our lawyers are recognized for results and service, and we pair that experience with clear communication and no upfront fees. When an insurer delays, denies, or underpays, we’re ready to step in and fight for full recovery.
Serving Communities Across Texas
We proudly serve clients throughout Houston, Dallas, Fort Worth, Austin, San Antonio, Waco, Lubbock, El Paso, Galveston, Corpus Christi, Tyler, Midland, McAllen, Round Rock, Plano, Frisco, The Woodlands, College Station, Arlington, Brownsville, and Amarillo.
From the Gulf Coast to the Panhandle, our attorneys understand how Texas weather—and Texas insurers—work. We help property owners document damage correctly, preserve deadlines, and fight for the coverage their policies promise. Whether you’re dealing with a hailstorm in the Metroplex or hurricane damage on the coast, Payne Law brings statewide reach with a local mindset.
Our Process
Free Claim Review: Policy Declarations, photos, estimates, and inspection reports.
Scope & Value: We identify missing line items (roof system, underlayment, code upgrades).
Demand & Negotiation: We pursue fair payment; if the carrier stalls, we escalate.
File Suit if Needed: We litigate in Orange County and statewide to protect your rights.
Start With a Free Case Review
If the insurer is delaying, denying, or underpaying, we’re ready to help. Tell us what happened, we’ll confirm coverage issues, discuss strategy, and next steps.
Call (833) 467-2963 or Contact Us Online
- Proven Results
- No Fee Unless We Win
- Local Knowledge
- Insurance Experience
- Trial-Ready
Texas Insurance Claim Frequently Asked Questions
Every case is different; the best answers come from looking at your facts, documents, and deadlines. Contact Payne Law for a free, no-obligation review and clear next steps.
What if my insurance claim was denied in Texas?
You still have options. Request a written denial and the carrier’s full inspection report. Texas law requires insurers to explain why coverage was denied. Our team reviews the evidence, identifies where causation or policy interpretation went wrong, and can file for reinspection, appraisal, or a lawsuit under Texas bad-faith statutes when warranted.
How long do I have to file an insurance claim in Texas?
Policies usually require “prompt” notice—often within 30 to 60 days—and most allow up to two years from the date of loss to file suit. That said, deadlines vary by carrier and policy. We confirm the exact timeframes for you and make sure your claim stays active and compliant.
Does Texas cover full roof replacement or just repairs?
If the damage prevents proper matching or violates code, you may be entitled to full replacement under Ordinance or Law coverage. We analyze your roof materials, manufacturer specifications, and local code requirements to determine the proper scope of repair or replacement.
Can I recover for business interruption after a storm?
Yes—if your policy includes Business Interruption (BI) or Extra Expense coverage, you can recover for lost revenue, payroll, and temporary expenses tied to the covered damage. We document downtime using invoices, payroll records, and operational logs to prove the loss.
What are Texas bad-faith insurance laws?
Under Texas Insurance Code §541 and §542, carriers that delay, deny, or underpay without a reasonable basis may owe additional damages, penalties, or attorney’s fees. We regularly enforce these provisions to ensure fair treatment for policyholders.
Why hire a Texas insurance claim attorney instead of a public adjuster?
Public adjusters help measure damage but can’t litigate, enforce timelines, or pursue bad-faith damages. Our attorneys handle the entire process—from negotiation to courtroom representation—while collaborating with your adjuster or contractor as needed.
