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You can get more answers from the Texas Department of insurance:
https://www.tdi.texas.gov/takefive/disagree.html
OR
File a complaint:
SETTLEMENT OFFER. You have the right to reject any settlement amount, including any unfair valuation, offered by the insurance company.
EQUAL TREATMENT. Unless based on sound actuarial principles, an insurance company may not treat you differently from other individuals of the same class and essentially the same hazard. If you sustain economic damages as a result of such unfair discrimination, you have the right to sue that insurance company in Travis County District Court.
If your suit prevails, you may recover economic damages, court costs and attorney and necessary expert witness fees. If the court finds the insurance company knowingly violated your rights, it may award up to an additional $25,000 per claimant.
You must bring the suit on or before the second anniversary of the date you were denied insurance or the unfair act occurred or the date you reasonably should have discovered the occurrence of the unfair act. If the court determines your suit was groundless and you brought the lawsuit in bad faith, or brought it for the purposes of harassment, you will be required to pay the insurance company's court costs and attorney fees.
Some people hire our Dallas independent insurance adjuster if they disagree with the number or type of damages listed by the insurance company’s adjuster. Public adjusters, unlike the company’s adjusters, work for you, not the insurance company. Public adjusters charge fees for their services. Before you hire our independent insurance adjusters in Dallas and Fort Worth, make sure you understand what you’ll have to pay.
The appraisal process begins with you and the company each hiring an appraiser. The two appraisers then choose a third appraiser as the umpire. Your appraiser and the company's appraiser make their own estimates of your loss. If they are different, the umpire makes the final decision, which is binding on both you and the company. You are responsible for the expenses of the appraiser you hire and for half of the umpire's expenses. Check your policy for any deadlines to demand appraisal. If you need help finding an appraiser, search for a “property damage appraiser” or check with your contractor.
Some people hire our Dallas independent insurance adjuster if they disagree with the number or type of damages listed by the insurance company’s adjuster. Public adjusters, unlike the company’s adjusters, work for you, not the insurance company. Public adjusters charge fees for their services. Before you hire a public adjuster, make sure you understand what you’ll have to pay
We work for you and all of our services are paid when rendered and the policy provision requires that you pay us.
TIME FRAMES FOR CLAIM PROCESSING AND PAYMENT. When you file a claim on your own policy, you have the right to have your claim processed and paid promptly. If the insurance company fails to meet required claims processing and payment deadlines, you have the right to collect 10% annual interest and attorney's fees in addition to your claim amount.
Generally, within 15 calendar days, your insurance company must acknowledge receipt of your claim and request any additional information reasonably related to your claim. Within 15 business days after receipt of all requested information, the company must approve or deny your claim in writing. The law allows the insurance company to extend this deadline up to 45 days if it notifies you that more time is needed and tells you why.
After notifying you that your claim is approved, your insurance company must pay the claim within 5 business days.
If your claim results from a weather-related catastrophe or other major natural disaster as defined by TDI, your insurance company may take 45 additional days to approve or deny your claim and 15 additional days to pay your claim.
Contact us for a free consultation of your claim, our Dallas claims investigators will gladly advise you on the best way to settle your loss.
If you’re not satisfied with the outcome of your dispute, you have the right to sue the insurance company in a court of law. You can also ask for alternative dispute resolution, which uses mediation with a neutral third party to settle disputes outside court. https://www.tdi.texas.gov/takefive/disagree.html
Insurance adjusters often blame your contractor for overcharging to avoid paying for some items. If you’ve been told by your adjuster you need another contractor call us for a free consultation. You have the right to hire the contractor of your choice.
