Standing Up For Your Rights In Insurance Disputes
Last updated on March 5, 2025
Wrongfully denied insurance claims and other disputes with insurers could greatly threaten your financial goals and stability. You need an experienced insurance dispute attorney in your corner to help you pursue solutions that protect your interests and future. At The Biggs Firm, I am here for you.
My name is Brent A. Biggs. Let me be your advocate in this challenging time. Insurance companies can have intimidating legal teams, but I know how to stand up to them. As an experienced West Texas attorney with a background in insurance defense, I understand how the other side thinks and how it values claims. From my office in Odessa, I stand ready to fight for justice for you.
Common Insurance Claim Disputes
I help West Texas homeowners navigate all types of insurance disputes, including:
- Foundation damage from fracking-caused earthquakes: With oil and gas activity being a major part of West Texas, fracking-related seismic activity can lead to foundation cracks and structural issues.
- Storm damage from hail, high winds or tornadoes: Severe storms are common in West Texas, bringing large hail, damaging winds and even tornadoes. They can cause your home to suffer roof damage, broken windows or other structural issues.
- Water damage: Whether caused by burst pipes, flash floods or roof leaks after a storm, water damage can be devastating to a home.
- Fire damage: West Texas is prone to wildfires and extreme heat, making fire damage claims significant.
- Animal damage: From rodents chewing through wiring to livestock incidents on rural properties, animal-related damage can be a major issue.
- Burglary, theft or vandalism: Whether your home was broken into or vandalized, dealing with insurance companies that minimize or deny claims can be frustrating.
I also stand up for policyholders in disputes involving other types of claims, such as business insurance claims, construction work claims and accident/injury claims.
Why Are Insurance Claims Denied?
Insurers often deny claims for different reasons, some valid and others questionable. Common reasons for denial include:
- Claims that are labeled as “wear and tear” rather than sudden damage
- Missing filing deadlines
Additionally, the insurer may argue that the damage is excluded under the policy. For example, many homeowners are shocked to learn that their policy may not cover foundation damage caused by fracking-related earthquakes.
It is important to promptly document everything – take photos, keep receipts for repairs and report damage as soon as possible. Review your policy regularly to understand what is covered and what is not.
If your insurance company denies your claim unfairly, I can review your case and fight for the coverage you paid for.
Did The Insurer Act In Bad Faith?
If your insurance company unfairly denies, delays or underpays your valid claim, they may be acting in bad faith – which means they are not honoring their contractual obligations. Bad faith can take many forms such as:
- Refusing to investigate a claim properly
- Misrepresenting policy language
- Making unreasonably low settlement offers
If you suspect bad faith, document every interaction with your insurer, including emails, phone calls and written notices. Request a written explanation for the denial. Do not be afraid to push back.
Insurance companies have a duty to treat policyholders fairly; when they fail to do so, you have legal options. I can help you challenge their decision, negotiate a fair settlement or take legal action if necessary.
What To Remember When Interacting With The Insurance Company
Your interactions with your insurance company before and after a dispute arises can have significant impacts. Key things to do include:
- Remember that they are not on your side: Always keep in mind that insurers generally look out for their own best interests, not yours.
- Collect evidence: It’s important to gather as much evidence as possible regarding your original claim, such as photos, receipts, witness statements, etc.
- Get it in writing: Get as much of the discussions between you and your insurer documented in writing as possible
Another important step is putting a trusted attorney on your side. I can assist you with all interactions with the insurance company throughout your dispute.
What To Do After A Claim Is Denied
An insurance claim denial does not necessarily mean that the door is shut on you getting relief. Important steps to take after a denial include:
- Review the reason for it: I can go over the insurer’s stated reason for the denial with you to help you understand all aspects of it.
- Explore grounds for contesting it: Insurers can’t deny your claim for just any reason. I can investigate the circumstances to help you determine whether there is anything indicating that your claim was denied improperly.
- Pursue your options for appealing it: When your insurance company denies your legitimate claim and doesn’t fulfill its end of your policy, you likely have legal recourse. I can help you understand your appeal options and fight for the insurance payout you deserve.
I am here to guide you through every step of responding to a denial. I can also help take legal action against any bad faith conduct by the insurance company.
Put My Experience On Your Side
Get the seasoned legal advocacy you deserve in your insurance dispute case. Reach out to me today by sending a message online or calling 432-268-0153. Let me fight for your rights. I represent clients in Odessa and Midland, as well as throughout West Texas.