Insurance Recovery
The firm represents policyholders, not insurance carriers, in first-party property matters involving delayed or disputed payments, appraisal, and statutory prompt-payment claims. The work includes review of the policy and claim file, reconstruction of payment and communication histories, valuation and appraisal analysis, and calculation of potential statutory interest.
For matters governed by Chapters 542 or 542A of the Texas Insurance Code, the firm evaluates the applicable deadlines, notice requirements, payment history, and litigation consequences. Demand packages are supported by the underlying records and calculations rather than a generalized assertion of delay.
Services
- First-party property insurance litigation — commercial and significant residential losses
- Appraisal strategy, positioning, and appraisal-related disputes
- Texas Prompt Payment of Claims Act (Ch. 542) prosecution and statutory interest recovery
- Chapter 542A presuit notice and demand practice
- Statutory interest calculation and enforceability analysis
- Pre-suit strategy and litigation risk mitigation for policyholders
Representative Experience
Represented insureds in first-party property insurance litigation and appraisal-related disputes.
Prosecuted claims under the Texas Prompt Payment of Claims Act, including statutory interest recovery, with detailed demand packages and enforceability analyses.
Advised policyholders on pre-suit strategy, appraisal positioning, and litigation risk mitigation.
Representative matters. Prior results do not guarantee a similar outcome.
Process
Claim file review
The policy, the carrier’s numbers, and the statutory deadlines already running.
Position analysis
Coverage, valuation, appraisal posture, and the interest calculation.
Demand
A package the carrier’s counsel has to answer line by line.
Litigation
Filed when the numbers justify it, with the statutory claims fully pled.
FAQs
The carrier paid something. Is the claim over?
Not necessarily — partial payment doesn’t extinguish the shortfall, and delayed payment can carry statutory interest even where amounts were eventually paid.
What is appraisal and should we demand it?
A policy-based valuation process that can resolve amount disputes without suit — powerful, but with strategic consequences for the statutory claims. Positioning it correctly is half the practice.
How is statutory interest calculated?
By statute, from dates the Insurance Code fixes — which is why the firm’s demand packages document the calculation to the day rather than asserting a round number.