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Cedrick Forrest Jan. 24, 2023

What Should Someone Do that Suspects Insurance Claim Adjustment Discrimination?

In addition to being paid less than other homeowner counterparts, Black and other minority homeowners routinely receive increased scrutiny for filing a homeowner's insurance claim. Many studies and investigations have revealed there is still much racial bias in the claims adjustment process.

Bias comes in many forms of

  • denying claims without a proper investigation required by law,

  • misrepresenting coverages under the policy to limit or deny payment,

  • unexplainably delaying claim payments, and;

  • fraud investigations initiated to scare minority insurance claimants.

The recent Texas Freeze has caused billions of dollars of water damage to homes requiring millions of Texas households to file an insurance claim; many for the first time. Forrest Law has already began receiving calls from Houston, TX homeowners and business owners that have experienced the telltale signs of insurance claim discrimination. We are always ready to protect members of the community that have historically been taken advantage of by big business insurance companies. Insurance discrimination costs potentially costs BILLIONS of dollars in lost financial assets to African American, Black, and Hispanic households every year. Our mission is to stop the unethical and illegal practice of discrimination against minority claimants by insurance companies.


What to Do when The Insurance Company Stops Responding  -

If it’s taking a long time for your insurance claim adjuster to respond to your insurance claim questions, chances are you may be on your way to having your property insurance claim denied. Texas law provides deadlines for when your insurance company must accept or deny your claim.

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What to Do After Having Hurricane Damage?  -

From the outset, it is important to understand that every case of damage from a hurricane has its unique circumstances that must be assessed individually. Assuming you have an insurance policy, your rights and responsibilities with respect to coverage should be specified in your policy.

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