⚖️ Houston Property Insurance Attorney

Your Insurance Company Denied Your Claim. We Fight Back.

If your homeowners insurance claim was denied, delayed, or underpaid — you may be owed significantly more. Free evaluation. No fee unless we win.

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📋 Licensed Texas Attorney

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⚡ Response Within 24 Hours

Cedrick D. Forrest Attorney at Law • State Bar of Texas
Veteran-Owned • Houston, TX

Get My Free Claim Evaluation → 📞 Or Call (832) 945-1900 Now

Free consultation • No obligation • Attorney-client privilege from first contact

Why Homeowners Are Filing Claims

Texas Insurance Companies Have a Playbook. We Know It.

Insurance companies don't make money by paying claims — they make money by denying, delaying, and underpaying them. The Texas Department of Insurance has received tens of thousands of complaints from homeowners just like you.

⚠️ State Farm Lloyds — 4,099 TDI Complaints
If State Farm denied your claim, you're not alone. They are the most-complained-about homeowners insurer in Texas. Our attorneys know their playbook. Your claim may be a bad faith violation.

⚠️ Allstate Vehicle and Property — 3,535 TDI Complaints
Allstate ranks #2 in Texas homeowner complaints. Common tactics include requiring excessive documentation, delaying inspections, and issuing low-ball estimates well below repair costs.

The top complaint reasons across all Texas carriers are: denial of claim, delays in handling, and unsatisfactory settlement offers. Sound familiar? Get a free evaluation — you may be entitled to your full claim plus additional damages under Texas bad faith law.

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Start Your Free Claim Evaluation

Takes less than 2 minutes. No obligation. We'll review your denial and call you within 24 hours.

✅ No Fee Unless We Win

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Our team will review your denial and reach out shortly. If your situation is urgent, call us directly right now.

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The Process

How It Works

Free Evaluation — No Obligation Submit the form or call us. We'll review your denial letter, policy, and claim details at no cost to you.

We Investigate Your Claim Our team analyzes your policy, the insurer's decision, and any applicable Texas bad faith statutes. We identify every dollar you may be owed.

We Demand Full Payment We send a formal demand to your insurer. In many cases, insurers settle without litigation once they know you have legal representation.

You Get Paid — We Get Paid Last Our fee is a percentage of your recovery. If we don't win, you owe us nothing. Period.

Client Reviews

What Houston Homeowners Say

★★★★★

"My claim was denied after the hail storm. CDF Law got me a settlement I never thought possible. They handled everything and I didn't pay a dime until we won."

Maria T. — Houston, TX

Google Review

★★★★★

"State Farm low-balled my roof claim. Attorney Forrest took my case and got nearly three times what they originally offered. Worth every call."

James R. — Katy, TX

Google Review

★★★★★

"Professional, responsive, and knowledgeable. He fought for me when my insurance company tried to walk away. I highly recommend CDF Law to any homeowner in Texas."

Denise M. — Sugar Land, TX

Facebook Review

Common Questions

Common Questions About Denied Insurance Claims in Texas

What if I already accepted a settlement? ▾

You may still have options. If you signed under duress, received misleading information, or weren't aware of the full value of your claim, there may be grounds to re-open it. Contact us for a free review.

What if my claim was denied a year ago? ▾

Texas law generally gives you two years from the denial date to pursue a bad faith insurance claim. However, the sooner you act, the stronger your case. Call us to understand your specific deadline.

What does "no fee unless we win" actually mean? ▾

Our firm works on a contingency fee basis. This means you pay $0 in attorney fees unless and until we successfully recover money for you. Our fee is a percentage of the recovery — fully disclosed upfront. This is standard practice for Texas insurance and personal injury attorneys.

How long does a claim dispute take? ▾

Many cases resolve within 3–6 months through demand letters and negotiation. Cases that go to litigation can take 12–18 months. We'll give you an honest timeline after reviewing your case — and we stay in communication throughout.

What if my insurer delayed my claim instead of denying it? ▾

Unreasonable delays are also a form of bad faith under Texas law. If your insurer has not acknowledged, investigated, or resolved your claim within the statutory timeframe, you may have a claim for bad faith damages in addition to your original loss.

Can I still file a claim if I haven't submitted one yet? ▾

Yes. If you've sustained damage but haven't filed a claim yet, we can help you understand your coverage, document the loss properly, and avoid common mistakes that insurers use to justify denials.

Your Insurance Company Denied Your Claim. We Fight Back.

Texas Insurance Companies Have a Playbook. We Know It.

Start Your Free Claim Evaluation

Got it! We'll call you within 24 hours.

How It Works

What Houston Homeowners Say

Common Questions About Denied Insurance Claims in Texas

⏱️ Before You Leave