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HomeProperty InsuranceHow Lengthy Do I Need to File My Texas Freeze Declare?

How Lengthy Do I Need to File My Texas Freeze Declare?





The Texas freeze of February 2021, also referred to as Winter Storm Uri, was devastating to Texas householders throughout the state. For those who or your house remains to be feeling the results of that pure catastrophe, it’s vital to know you possibly can nonetheless file a declare to be made entire. Nevertheless it’s essential that you just work rapidly as a result of time is nearly up!

Right here’s what it is advisable to find out about submitting a Texas freeze declare, and the way lengthy you must do it earlier than it’s too late. 

How Lengthy Do Texas Owners Need to File a Declare Following the February 2021 Freeze?

If your house was broken within the Texas freeze, it’s not too late to file an insurance coverage declare — however your time is nearly up, so act rapidly! Most insurance policies in Texas permit only one yr from the date of the climate occasion to make your declare. The Texas freeze occurred February 13-17, 2021, so you probably solely have someday left to file. 

For those who’ve already filed an insurance coverage declare, however your insurer denied it or underpaid it, the statute of limitations to pursue litigation in Texas is 24 months or two years. This implies you might have till February 13-Seventeenth, 2023 earlier than you lose the best to pursue your insurer in court docket. 

3 Issues to Bear in mind When Submitting a Texas Freeze Declare

Earlier than you rush to file, it’s vital that you just collect all the knowledge it is advisable to make a sound declare. Listed here are a couple of key particulars to recollect earlier than submitting: 

1. Take Images of Every part

As a lot as attainable, attempt to preserve photographs of the injury that occurred to your house. These photographs present proof that your house was broken on account of the storm, and so they assist present precisely how a lot injury was brought on. With out them, your insurer might deny the validity or severity of your declare. So the extra photographs, the higher — and higher but in the event that they’re timestamped!

2. Doc Every part

In the case of insurance coverage claims, each piece of documentation issues. Attempt to talk along with your insurer and adjuster by way of e mail or in writing as a lot as attainable. Ask your adjuster to relay their findings by way of e mail, even when they let you know what they discover whereas they’re at your house in-person. Use an app to scan the receipts for any services or products you buy  with a purpose to restore any damages. Simply bear in mind, the extra documentation you might have, the higher probability you might have of getting the protection you deserve. 

3. Know Your Rights

Insurers make cash once they don’t pay claims. It’s worthwhile for them to underpay or outright deny your declare, and so they’ll attempt to take action each time attainable. Don’t allow them to try this to you. 

Particularly in a large-scale catastrophe just like the Texas freeze, insurers are in search of a approach out. Know your rights, the way to defend them, and who can assist you do it correctly.

What Occurs After You File a Texas Freeze Declare?

In Texas, insurers should pay out claims inside 5 enterprise days of approving them. Nevertheless, there are a couple of steps they need to undergo earlier than approval, together with:

  • Discover of declare — Your insurer has 15 enterprise days to acknowledge they’ve obtained your declare and request any related info.
  • Decide in your declare — Your insurer will get one other 15 days to decide in your declare. 
  • Pay out your declare — As soon as your insurer has accepted your declare, they’ve 5 enterprise days to make the ultimate fee to you. 

General, this course of takes about 35 days from once you submit your declare to once you’re paid. For those who’d prefer to know extra about what goes into the submitting course of, take a look at our latest weblog, How Do Insurance coverage Firms Pay Out Claims in Texas? 

I’ve Filed a Owners Insurance coverage Declare for Harm Brought on by the 2021 Freeze, however My Insurance coverage Firm Has Denied or Underpaid My Declare. Now What? 

In case your insurer has denied or underpaid your declare, don’t rent a public insurance coverage adjuster (PA) to make or overview the declare in your behalf. Usually, that might be a waste of your money and time, as they don’t have the flexibility to expedite a call or enhance your odds of approval. 

As a substitute, contact an skilled insurance coverage dispute decision lawyer as quickly as attainable.  Bear in mind, you solely have two years because the climate occasion occurred to pursue litigation! A talented lawyer will provide help to by way of the litigation course of, defend your case in opposition to your insurer in court docket, and get you the compensation you deserve. 

Texas properties have undergone excessive climate circumstances prior to now yr. Don’t let your insurer get away with out masking your declare. As a substitute, get in contact with The Lane Legislation Agency’s insurance coverage dispute attorneys. We’re right here that will help you file a proper enchantment on your declare and maintain your insurer chargeable for the declare you’re due.



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