Insurance Attorney

When your insurance company refuses to pay what you’re owed, you need someone who knows how to push back. Whether your claim was denied, delayed, or underpaid, David W. Starnes Attorney At Law is your trusted insurance attorney for clear, experienced support in resolving disputes. We help you enforce your policy rights, challenge unfair treatment, and recover the compensation you deserve.

Call (409) 835-9900 to start your claim review today.

Speak With an Insurance Attorney

When Should You Hire an Insurance Attorney?

You should hire an insurance attorney if your claim has been denied, delayed without explanation, or underpaid in a way that doesn't match your policy coverage. This can happen for legitimate reasons, but it can also signal that the insurance company may not be handling your claim fairly or in good faith.

Legal guidance can also be helpful when policy language is unclear, communication with the insurer has broken down, or you're being pressured to settle quickly. In cases involving major property damage, injury, or complex disputes, we can help you understand your rights, review your coverage, and ensure the insurance company follows its legal obligations.

David W. Starnes Attorney At Law’s Insurance Attorney Services

David W. Starnes Attorney At Law’s insurance attorney services are built to support policyholders facing claim delays, denials, or underpayments. We take a hands-on, personalized approach to guide you through every stage of the dispute process.

Services we provide include:

• Reviewing your policy to determine applicable coverage
• Investigating your claim to identify unfair handling
• Advising you on your legal rights and next steps
• Communicating with the insurance company on your behalf
• Gathering documentation and evidence to strengthen your case
• Negotiating with the insurer to reach a fair resolution
• Filing a lawsuit when legal action becomes necessary

We work to ensure your claim is handled fairly and in line with Texas law.

What Types of Insurance Claims Can You Dispute?

You can dispute a wide range of insurance claims if your policy covers the loss and the insurance company has denied, delayed, or underpaid it. These disputes often stem from unclear policy language, inadequate investigations, or unfair settlement offers.

Common insurance-related disputes we handle include:

• Claim denials: Cases where the insurance company refuses to pay without a valid justification
• Coverage disputes: Situations involving disagreement over what the policy covers
• Delays in payment: Claims that are unreasonably stalled or ignored
• Insurance bad faith: Conduct by an insurer that violates its duty to treat policyholders fairly

Reviewing your policy is key to understanding your rights.

How Long Do You Have To Dispute an Insurance Claim?

The time you have to dispute an insurance claim in Texas depends on the type of coverage and the terms outlined in your policy. For most legal claims involving insurance, the statute of limitations is two years from the date your claim was denied or from when the insurer failed to meet its obligations.

Many policies also include shorter timeframes for submitting appeals or additional documentation, typically ranging from 30 to 90 days. Missing these deadlines can limit your ability to pursue compensation. It’s important to understand your policy and take timely action if your insurer has treated you unfairly.

What Is Bad Faith in an Insurance Claim?

Bad faith occurs when an insurance company fails to handle your claim with honesty, fairness, and reasonable care. In Texas, insurers have a legal duty to treat policyholders fairly throughout the claims process. This includes timely investigations, clear communication, and honoring valid claims according to the terms of the policy.

When an insurer does not meet these obligations, its conduct may give you the right to pursue legal action. Holding insurers accountable for unfair treatment helps protect your rights and ensures that insurance companies follow the standards required by law. These protections are essential in preserving trust in the system.

What Are Signs of Bad Faith Insurance Practices?

Signs of bad-faith insurance practices often become apparent when an insurer refuses to pay a valid claim without a reasonable explanation. These situations may signal that the insurance company isn’t meeting its legal obligations under Texas law.

Problems can arise when a claim is denied without a meaningful investigation or when communication slows down without cause. In some cases, insurers rely on selective interpretations of policy language or fail to clearly explain why coverage was refused. Settlement offers that fall well below documented losses or the dismissal of supporting evidence can also point to improper handling.

Recognizing these patterns early can help you better understand whether your claim has been treated fairly and what steps may be appropriate moving forward.

What Should You Expect During the Legal Process?

During the legal process, you can expect a structured approach designed to resolve your insurance dispute as efficiently and fairly as possible. The process begins with an initial consultation, where we review your claim, examine your policy, and assess whether your insurer acted improperly.

If we take on your case, we gather supporting documents, communicate with the insurance company on your behalf, and prepare for possible litigation. Most cases involve negotiation before reaching trial, but we’re prepared to represent you in court if needed.

Throughout the process, we keep you informed, answer your questions, and work to protect your rights.

What Documents Do You Need To Dispute a Claim?

To dispute an insurance claim, you need clear, organized documentation that supports your position and challenges the insurer’s decision. These materials help demonstrate that your claim is valid and that your insurer has not handled it appropriately.

Key documents include:

• Your full insurance policy
• The denial letter or explanation of benefits
• Written communication with your insurer
• Photos or videos showing the damage
• Estimates, invoices, or medical records supporting your loss
• Notes from phone calls or in-person meetings

Having these files ready can help strengthen your dispute and support your legal case.

Protect Your Rights With Legal Help

Insurance companies don’t always make it easy to get the coverage you’ve paid for. If you’re dealing with a denied, delayed, or underpaid claim, legal support can make all the difference. David W. Starnes Attorney At Law’s team of insurance attorneys is here to help you understand your rights, navigate the dispute process, and hold your insurer accountable under Texas law. With our experience and focus on client results, we’ll ensure your claim gets the attention it deserves.

Looking for an insurance attorney? Contact us at (409) 835-9900.