What to Do If Your Property Insurance Claim Was Denied in Plano, Texas

Introduction: When Your Claim Gets Denied in Plano

Imagine this: a severe Texas storm damages your home in Plano, you file an insurance claim, and then—denied. It’s frustrating, confusing, and leaves you asking, “What now?” You’re not alone. Many Plano residents experience denied property insurance claims and feel stuck. The good news? There are clear, actionable steps you can take to fight back.

Why Property Insurance Claims Get Denied in Texas

Insurance companies in Texas, including in Plano, deny claims for a variety of reasons. They might cite policy exclusions, missed deadlines, or lack of evidence. But just because they say “no” doesn’t mean it’s the final word.

👉 According to the Texas Department of Insurance (TDI), insurers must explain in writing why they denied a claim. This is your starting point.

Common Reasons for Claim Denials in Plano

Here are the most frequent denial reasons homeowners in Plano face:

• Missed Deadlines: Not filing the claim within the insurer’s timeframe.

• Insufficient Documentation: Lack of evidence showing the extent of damage.

• Excluded Damages: Damage caused by floods or neglect may be excluded.

• Suspicion of Fraud: If the insurer thinks the claim is exaggerated or falsified.

Each of these reasons requires a different strategy to dispute.

Understanding Your Insurance Policy

Before you file or dispute a claim, understand your policy. It’s a contract. Key sections to focus on:

• Declarations Page: Lists your coverage limits.

• Covered Perils: What types of damage are included.

• Exclusions: What’s not covered (e.g., flood or earthquake damage).

• Duties After Loss: Your responsibilities after property damage.

A good starting point is reading the National Association of Insurance Commissioners’ (NAIC) Homeowners Insurance Guide.

Steps to Take After a Denial

Here’s a step-by-step framework you can follow:

1. Review the Denial Letter

Look for the reason provided and match it with your policy.

2. Request a Full Copy of Your Policy

If you don't already have it, ask your insurer for the full document.

3. Gather Supporting Evidence

Include photos, estimates from contractors, and communication with your adjuster.

4. Keep a Claims Diary

Document every call, letter, and visit with dates and details.

5. File an Appeal

Draft a letter responding to their denial and provide counter-evidence.

How to File an Appeal in Texas

Filing an appeal in Texas can be done through these steps:

• Write a Formal Appeal Letter: Address each point in the denial.

• Submit Additional Documentation: Repair estimates, receipts, etc.

• File a Complaint with TDI: If you believe your insurer is acting in bad faith, you can file a complaint here.

Pro Tip: According to Texas Insurance Code §542, insurers must acknowledge and process your claim within a set timeframe. Use this to your advantage.

When You Should Seek Legal Help

If your appeal doesn’t work, or if the insurer isn’t acting in good faith, it’s time to get legal help. An attorney can:

• Evaluate your claim and identify violations

• Negotiate directly with the insurer

• File a lawsuit if necessary

This is especially important if you're dealing with a large loss, business interruption, or bad faith denial.

How Louis Law Group Can Help Plano Residents

Louis Law Group has a proven record of helping homeowners in Texas fight denied insurance claims. If you feel overwhelmed or unsure, our team can:

• Analyze your denial and policy

• Help you gather the right documentation

• Represent you in negotiations or court if needed

We’ve helped many policyholders turn a denial into a rightful payout. Let us help you do the same.

FAQs

Q1: Can I reopen a denied property insurance claim in Texas?

Yes. If you have new evidence or believe your claim was wrongly denied, you can reopen or appeal it.

Q2: How long do I have to file an appeal in Plano?

It depends on your policy, but it's often within 60 days. Check your policy or consult with a lawyer.

Q3: Will hiring a lawyer cost a lot upfront?

Not necessarily. Many property insurance lawyers work on a contingency basis, meaning they only get paid if you win.

Q4: What if my insurance company won’t respond?

You can escalate the matter by filing a complaint with the Texas Department of Insurance.

Conclusion

A denied property insurance claim in Plano can feel like a dead end—but it isn’t. With the right knowledge, persistence, and support, you can push back and fight for what’s yours. Louis Law Group is here to guide you when you're ready.

So, what’s your next move?

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.