When your home or business suffers damage, you expect your insurance company to step up. You’ve paid your premiums. You followed the rules. But instead of receiving fair compensation, you get a denial, a delay, or an insultingly low offer.

At Murr Law, we’ve recovered millions of dollars for policyholders whose claims were wrongfully handled. If your insurance claim was denied or underpaid, you’re not alone and you’re not without options.

🛑 Common Reasons Insurance Companies Deny Claims

Insurers are profit-driven businesses. Their goal? Pay out as little as possible. Some of the most common tactics we see include:

• Claiming “pre-existing damage” when none exists
• Blaming the policyholder for “failure to mitigate”
• Misapplying exclusions in the policy language
• Undervaluing the true cost of repairs
• Delaying the claim process until clients give up

Sound familiar? These are red flags that your insurer may be acting in bad faith.

⚖️ What Is Bad Faith Insurance?

Bad faith occurs when an insurer violates its duty to deal fairly and honestly with its policyholders. Under the law, you have the right to:

• Prompt investigation of your claim
• Timely payment of covered losses
• Fair valuation and communication
• A clear explanation for any denial

If they fail to meet those obligations, you may be entitled to damages beyond the original claim, including attorney’s fees, penalties, and in some cases, exemplary damages.

🔍 What You Should Do If Your Claim Was Denied

1. Don’t panic and don’t give up.
   Insurance denials are not the final word. They're often negotiable or legally challengeable.
2. Request a full denial letter in writing.
   This document will explain the insurer’s reasoning (and we’ll review it line by line).
3. Document everything.
   Photos, repair estimates, communication records, all of this helps build your case.
4. Call an experienced insurance litigation attorney.
   At My-Lawyers.com, we’ll give you a free consultation and tell you what the insurer doesn’t want you to know.

📍 Serving Texas, Michigan, New York, New Mexico & Tennessee

Our trial lawyers don’t just settle, we fight to win. With over 28 years of experience in insurance litigation, we represent both residential and commercial policyholders against insurance giants.

If your claim was denied, delayed, or underpaid, you may be entitled to much more than they’re offering.

📞 Call us today at (713) 966-6140 or schedule a consultation to review your case.
Don’t let the insurance company dictate your future. We find a way to win.