Insurance companies collect premiums for decades and then look for every reason to deny or underpay claims when disaster strikes. CDF Law represents Houston homeowners and business owners fighting back against bad faith insurance practices, lowball settlements, and wrongful denials.
KNOW YOUR RIGHTS
Houston homeowners and commercial property owners face unique insurance risks. Hurricanes, hail storms, torrential rains, flooding, and extreme weather are part of living in Harris County. Yet when you file a legitimate insurance claim for roof damage, water intrusion, or hail damage, insurers routinely deny or underpay claims—deliberately miscalculating replacement costs, using outdated pricing, or claiming damage is "not covered" based on selective reading of your policy.
This is bad faith. Under Texas law, insurance companies owe policyholders a duty of good faith and fair dealing. When an insurer acts in conscious indifference to your claim—denying payment for damage clearly caused by a covered peril, ignoring expert inspections, delaying investigation indefinitely, or offering a low settlement without explanation—that's actionable bad faith. Many victims in Sugar Land, Katy, The Woodlands, Baytown, and across Harris County don't realize they can sue the insurer for bad faith, not just the claim amount.
Bad faith claims can recover the original claim amount plus additional damages: penalties, interest, attorney fees, and sometimes exemplary damages if the insurer's conduct is egregious. A policyholder whose $250,000 roof claim was denied can recover far more than $250,000 if the denial was in bad faith. CDF Law has negotiated and litigated property insurance claims from Pearland to Pasadena to Friendswood, recovering millions for homeowners and business owners.
If your claim was denied or underpaid, contact CDF Law immediately at (832) 945-1900 for a free consultation. We work on contingency—no upfront fees. We handle your case against the insurer and pursue every available remedy under Texas law. Your home and property deserve protection.