Anytime a hurricane strikes the Gulf Coast, Texas residents suffer serious property damages, causing them to turn to their insurance carriers to cover their losses and pay for damages. However, when an insurance company denies a claim or does not provide adequate coverage, homeowners often file lawsuits alleging their insurers have acted in bad faith and have denied them coverage to which they are entitled.
This is exactly what’s taking place for several Golden Triangle residents who allege the Texas Windstorm Insurance Association (TWIA) failed to pay for their property damages caused by the strong winds in Hurricane Ike. Therefore, they are suing for damages. And they aren’t the only ones who have had insurance claims denied in Texas. There were 2,544 lawsuits filed in Jefferson County District Court in 2011, with just over 25 percent of those suits filed against the TWIA and other insurance companies like Allstate and State Farm for failing to pay for damages from Hurricane Rita and Ike.
While there were fewer civil filings in 2012—2,189 lawsuits—court records still indicate that 35 percent of the lawsuits filed in the Beaumont courthouse were against insurers for the following violations:
- Wrongfully denying a portion of claims even though the policy provided coverage
- Breach of contract
- Violating the Texas Insurance Code-Unfair Settlement Practices
- Violating the Texas Insurance Code-Prompt Payment of Claim
Although it has been over four years since the storm, Hurricane Ike claims are expected to be filed in 2013, due to the two-year statute of limitations after the last insurance check was received.
If you need help fighting the insurance company for benefits you are due under your policy, please call the Voss Law Firm 888-614-7730 to speak with an experienced Texas insurance litigation attorney in a free consultation today.