Texas law sets deadlines for insurance companies to act after you've filed a property damage insurance claim.

The Property Insurance Company Must:

• Acknowledge that they received your claim within 15 days.

• Require you to complete a proof of loss form and have it notarized.

• Require you to submit to an Examination Under Oath (EUO).

• Send an adjuster to assess the damage to your property.

• Prepare a repair estimate.

The repair estimate may be too low to cover the amount of your deductible and your claim will be denied. If after the initial inspection it is discovered that the damage is greater than estimated, the insurance adjuster can raise the estimate. You will need your property damage lawyer to notify the insurance adjuster and request a re-inspection to confirm the need for more repair money.

* Accept or deny your claim within 15 business days of getting all the requested information.

* Send a written claim denial.

* Send your check within five business days after it confirms coverage.

If your insurer is delaying payment of your claim or you have had your property damage claim denied, it is essential that you contact a skilled property damage lawyer to assist with this often-complex process. The attorneys at the Cedrick D. Forrest Law firm are experienced, willing, and ready to advocate on your behalf to ensure that your property is repaired and that your rights are not jeopardized.