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HomeProperty InsuranceHow Lengthy Do I Need to File My Texas Freeze Declare?

How Lengthy Do I Need to File My Texas Freeze Declare?


The Texas freeze of February 2021, also called Winter Storm Uri, was devastating to Texas owners throughout the state. Should you or your property continues to be feeling the consequences of that pure catastrophe, it’s necessary to know you may nonetheless file a declare to be made complete. However it’s vital that you just work shortly as a result of time is sort of up!

Right here’s what you have to learn about submitting a Texas freeze declare, and the way lengthy you must do it earlier than it’s too late. 

How Lengthy Do Texas Owners Need to File a Declare Following the February 2021 Freeze?

If your property was broken within the Texas freeze, it’s not too late to file an insurance coverage declare — however your time is sort of up, so act shortly! Most insurance policies in Texas enable only one yr from the date of the climate occasion to make your declare. The Texas freeze occurred February 13-17, 2021, so you possible solely have at some point left to file. 

Should you’ve already filed an insurance coverage declare, however your insurer denied it or underpaid it, the statute of limitations to pursue litigation in Texas is 24 months or two years. This implies you’ve got till February 13-Seventeenth, 2023 earlier than you lose the fitting to pursue your insurer in court docket. 

3 Issues to Keep in mind When Submitting a Texas Freeze Declare

Earlier than you rush to file, it’s necessary that you just collect all the knowledge you have to make a sound declare. Listed here are a number of key particulars to recollect earlier than submitting: 

1. Take Photographs of Every part

As a lot as doable, attempt to hold pictures of the harm that occurred to your property. These pictures present proof that your property was broken because of the storm, and so they assist present precisely how a lot harm was prompted. With out them, your insurer could deny the validity or severity of your declare. So the extra pictures, the higher — and higher but in the event that they’re timestamped!

2. Doc Every part

In relation to insurance coverage claims, each piece of documentation issues. Attempt to talk along with your insurer and adjuster by way of electronic mail or in writing as a lot as doable. Ask your adjuster to relay their findings by way of electronic mail, even when they let you know what they discover whereas they’re at your property in-person. Use an app to scan the receipts for any services or products you buy  in an effort to restore any damages. Simply bear in mind, the extra documentation you’ve got, the higher probability you’ve got of getting the protection you deserve. 

3. Know Your Rights

Insurers become profitable once they don’t pay claims. It’s worthwhile for them to underpay or outright deny your declare, and so they’ll strive to take action each time doable. Don’t allow them to do this to you. 

Particularly in a large-scale catastrophe just like the Texas freeze, insurers are in search of a manner out. Know your rights, the way to defend them, and who will help you do it correctly.

What Occurs After You File a Texas Freeze Declare?

In Texas, insurers should pay out claims inside 5 enterprise days of approving them. Nonetheless, there are a number of steps they need to undergo earlier than approval, together with:

  • Discover of declare — Your insurer has 15 enterprise days to acknowledge they’ve acquired your declare and request any related data.
  • Decide in your declare — Your insurer will get one other 15 days to decide in your declare. 
  • Pay out your declare — As soon as your insurer has accredited your declare, they’ve 5 enterprise days to make the ultimate fee to you. 

General, this course of takes about 35 days from if you submit your declare to if you’re paid. Should you’d wish to know extra about what goes into the submitting course of, take a look at our current weblog, How Do Insurance coverage Corporations Pay Out Claims in Texas? 

I’ve Filed a Owners Insurance coverage Declare for Injury Attributable to the 2021 Freeze, however My Insurance coverage Firm Has Denied or Underpaid My Declare. Now What? 

In case your insurer has denied or underpaid your declare, don’t rent a public insurance coverage adjuster (PA) to make or evaluation the declare in your behalf. Normally, that might be a waste of your money and time, as they don’t have the flexibility to expedite a call or enhance your odds of approval. 

As an alternative, contact an skilled insurance coverage dispute decision legal professional as quickly as doable.  Keep in mind, you solely have two years for the reason that climate occasion occurred to pursue litigation! A talented legal professional will provide help to by way of the litigation course of, defend your case towards your insurer in court docket, and get you the compensation you deserve. 

Texas properties have undergone excessive climate circumstances up to now yr. Don’t let your insurer get away with out protecting your declare. As an alternative, get in contact with The Lane Regulation Agency’s insurance coverage dispute attorneys. We’re right here that can assist you file a proper enchantment on your declare and maintain your insurer answerable for the declare you’re due.



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