Your homeowners insurance policy is a contract. When your insurer fails to honor it, CDF Law enforces your rights — whether your claim was denied, underpaid, or delayed.
Common Homeowners Insurance Disputes in Houston
- Hail and windstorm damage denial or underpayment
- Water damage attributed to 'gradual leak' to deny coverage
- Hurricane damage disputes over wind vs. flood causation
- Fire damage scope disputes
- Mold claims after water damage
- Roof replacement disputes over actual cash value vs. replacement cost
The Appraisal Clause — An Alternative to Litigation
Many Texas homeowners policies include an appraisal clause that allows either party to demand an independent appraisal of the loss when there is a dispute about the amount. CDF Law advises clients on whether to invoke appraisal or pursue litigation based on the specific facts of each case.