Insurance companies routinely underpay property damage claims through excessive depreciation, overlooked damage items, and low repair estimates. CDF Law fights to get you the full payment your policy requires.
How Insurance Companies Underpay Claims
- Applying excessive depreciation to reduce actual cash value
- Using low-cost repair estimates that don't reflect real market pricing
- Overlooking hidden or secondary damage
- Misapplying policy deductibles
- Denying code upgrade and ordinance-and-law coverage despite endorsements
Your Right to Dispute an Underpayment
You have the right to dispute your insurance company's payment amount. Options include internal appeal, invoking the policy's appraisal clause, and litigation under Texas Insurance Code Chapter 541 or 542. CDF Law evaluates all options and pursues the most effective strategy.