CROCKETT LAW · HOUSTON, TEXAS
Bad Faith Insurance Lawyer
Paying for insurance should give you a way to seek the protection your policy provides. A denial, delay, or disputed payment can leave you facing expenses and uncertainty. Crockett Law reviews insurance disputes by looking at the policy, the claim history, and the insurer’s stated reasons for its decisions.
How Crockett Law Reviews an Insurance Dispute
We begin by identifying whose policy is involved. A claim against your own insurer raises different questions from a liability claim involving someone else’s insurance company. We examine the coverage, exclusions, endorsements, and duties that may apply to your situation.
A denied claim is not automatically bad faith. The central questions include what the policy covers, how the insurer handled the claim, and whether the evidence supports a legal violation. We give those questions a factual review before recommending a course of action.
Building the Claim History
- The complete policy, declarations, endorsements, and renewal documents.
- Your claim number and the date you reported the loss.
- Denial letters, payment explanations, requests for information, and other correspondence.
- Photographs, estimates, invoices, proof of loss, and supporting records.
- A timeline of calls, inspections, submissions, and payments.
- Any proposed release, appraisal request, or complaint response.
Keep copies of what you send and receive. If a document asks you to meet a deadline, sign a release, or take another formal step, bring it to our attention promptly.
Finding the Issue Behind the Dispute
Some disputes concern whether coverage applies. Others concern the amount of the loss or the way a claim was investigated. These issues can require different evidence and different next steps. We review the insurer’s explanation alongside your records and the policy language.
Policy duties, appraisal provisions, notice requirements, and legal deadlines can affect the available options. We do not assume that one deadline or procedure applies to every policy or every insurance dispute.
What You Can Expect From Crockett Law
At the first consultation, we discuss the loss, what you submitted, and what the insurer has said or done. If retained, we develop the supporting record and explain options that may include further claim submissions, negotiation, or litigation, depending on the facts.
We also distinguish a regulatory complaint from a legal claim. A complaint may be useful in some situations, but it does not automatically resolve a coverage or valuation dispute or protect every legal deadline.
Bad Faith Insurance FAQs
No. A denial may rest on a coverage issue or another reason that must be evaluated. We review both the policy and the insurer’s handling of the claim.
Not necessarily. Your rights under your own policy can differ from your rights when dealing with another person’s liability insurer. We identify that distinction at the outset.
Your policy may require cooperation or particular submissions. Keep records of requests and responses, and seek advice promptly if you are unsure about a request or deadline.
TDI provides a complaint process for insurance matters within its authority. Its ability to resolve a dispute has limits. We can discuss a complaint alongside the legal options your circumstances may support.
Yes. Bring the proposed payment, release, policy, and relevant correspondence so we can discuss what acceptance may mean for your claim.
Talk With Crockett Law About Your Situation
You do not need to have every document or answer before contacting us. Call (281) 953-1180 or request a free consultation. We can review what happened and discuss the next step.
Related practice areas: Car Accidents · Truck Accidents
Additional resource: Texas Department of Insurance: Insurance Complaints