The Houston first-party insurance claim lawyers at Callender Bowlin have an esteemed track record of success in securing compensation and defending the rights of policyholders dealing directly with their own insurance companies following a loss. Steeped in the principles of first-party insurance law, they are committed to providing outstanding legal services in first-party insurance cases to ensure that clients receive the rightful compensation they are entitled to.

How Does a Houston First-Party Insurance Attorney Help?

A Houston first-party insurance claim lawyer can help by interpreting policy terms, negotiating with insurance companies, gathering evidence, ensuring fair claim settlements, and representing you in court if necessary. They strive to protect your rights.

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Houston First-Party Insurance Attorney

You recognize the value of having the appropriate insurance coverage if you’ve ever been in an automobile accident, gotten property damages, or endured losses as a result of a natural catastrophe. What transpires, though, if your insurance provider declines to honor your claim? A Houston first-party insurance claim lawyer may prove useful in this situation.

There are primarily two types of insurance claims: first-party and third-party. Third-party claims are filed against the insurance company of another person, whereas first-party claims are submitted straight to your own insurance provider. As you read on, we will concentrate on Houston first-party insurance claims and explain why having a competent lawyer on your side is crucial.

Understanding First-Party Insurance Claims in Houston

First-party insurance protects against damages incurred by the individual whose name is on the policy. The policyholder may be a business, an individual, or a group of people who fall into a certain category, including a person’s family, co-passengers in a specific vehicle, or workers of a company. A first-party claim is one that the policyholder submits under their personal insurance policy. First-party insurance examples include:

  • Health or medical insurance
  • Protection for personal injury under a car insurance policy
  • Coverage for uninsured or underinsured drivers under a car insurance policy
  • A car or homeowner’s policy’s healthcare payment coverage
  • Damage by wind, storm, hail, fire, flood, or other natural catastrophes that affect insured
  • Wall-in insurance for renters 
  • Personal or commercial property

However, insurance firms have a reputation for undervaluing or rejecting first-party insurance claims, leaving clients with an unexpected financial burden.

Benefits of Hiring a Houston First-Party Insurance Claim Attorney

A Houston first-party insurance claim lawyer can guide you through the challenging legal procedure and enable you to increase the value of your claim. A lawyer can:

  • Assess your claim and let you know what rights you have.
  • Obtain proof and paperwork to back up your contention.
  • Make insurance provider negotiations on your behalf.
  • If required, initiate a lawsuit and advocate for you in court.

How to Choose the Right Houston First-Party Insurance Claim Attorney

When selecting a Houston first-party insurance claim attorney, it’s vital to consider their reputation, experience, and communication skills. Choose an attorney with a proven record of successfully handling first-party insurance claims, positive reviews from clients, and outstanding communication abilities, including a commitment to keeping you informed throughout the process.

The Houston First-Party Insurance Claim Process

A Houston first-party insurance claim lawyer you choose will help you through the whole procedure, which often entails:

Initial consultation: During this time, your lawyer will assess your case and go over the courtroom procedure with you.

Investigation and evidence gathering: For the purpose of proving your case, your attorney will compile evidence, such as witness accounts, police reports, and medical documentation.

Negotiation and settlement: Your attorney will deal with the insurance provider to secure you the optimum attainable settlement.

Litigation and trial: If negotiations break down, your lawyer will bring a lawsuit on your behalf and appear in court.

What to Expect During the Houston First-Party Insurance Claim Process

In Houston, submitting a first-party insurance claim can be an extensive process. But if you engage a lawyer, you’ll get frequent updates, a transparent schedule for the procedure, and details of any fees and costs related to your case.

Frequently Asked Questions

What distinguishes first-party insurance claims from third-party insurance claims?

Third-party insurance claims are brought against the insurance provider of another person, whereas first-party insurance claims are addressed directly to your own insurance provider.

How long do I have in Houston before I can submit a first-party insurance claim?

Claims for breaches of the Texas Insurance Code and infractions of the duty of good faith and just dealing must be filed within two years of the cause of action accruing, according to Texas law.  For insurance contract violations, the default statute of limitations is four years from the day the basis of action arises. According to the policy in question, contract claims had to be made within two years, one day after the cause of action arose. Section 16.070(a) of the Texas Civil Practice & Remedies Code permits this.

Do I need an attorney to handle my first-party insurance claim?

Although it is feasible to manage your own first-party insurance claim, it is advised that you do so in an effort to guarantee that you obtain the just reimbursement.

Hire Your Houston First-Party Insurance Claim Attorney From Callender Bowlin

Ultimately, it should be noted that first-party insurance claims in Houston could prove to be tricky. A Houston first-party insurance claim lawyer may assist in ensuring you get the money you are due. Remember to select an attorney that has a proven track record, is an adept communicator, and is dedicated to keeping you aware throughout your case.

Callender Bowlin is devoted to providing the finest possible service for your first-party insurance claims. We can obtain a sufficient settlement for your damages when you employ us as your legal counsel. To schedule a no-cost consultation, dial (713) 300-8700 or contact us via our online form.

Callender Bowlin LLP
4299 San Felipe St # 300
Houston, TX 77027