At Daly & Black, we stand up for policyholders. As a leading Houston first-party insurance attorney, we take on insurance giants that refuse to honor their policies. If your claim has been unfairly denied or delayed, our experienced attorneys are ready to fight for you.
When Insurance Companies Refuse to Pay, We Fight Back
You’ve paid your insurance premiums for years, expecting protection when disaster strikes. But when you file a claim, the insurance company denies, delays, or drastically underpays what you’re rightfully owed. This isn’t just frustrating—it’s wrong.
Call now for a FREE consultation. We don’t get paid unless you do.
What is First-Party Insurance?
First-party insurance provides direct coverage to the policyholder for losses incurred due to incidents such as property damage, vehicle accidents, medical emergencies, or business interruptions. This type of insurance is designed to offer financial protection to the insured, compensating them for their own losses rather than the liabilities they might owe to others. In contrast, third-party insurance covers the policyholder’s liability for injuries or damages inflicted on another party, ensuring that the policyholder is protected against claims made by others.
First-Party vs. Third-Party Insurance
- First-Party Insurance: Covers your own losses. Examples: homeowners insurance, auto insurance, health insurance, business interruption coverage.
- Third-Party Insurance: Covers someone else’s liability. Examples: personal injury claims, liability lawsuits, and property damage claims filed against another party.
While first-party policies are supposed to protect policyholders, insurance companies frequently use tactics to deny or underpay legitimate claims. That’s where we come in.
Common Types of First-Party Insurance Claims We Handle
Daly & Black represents individuals, families, and businesses in all types of first-party insurance disputes. The following are the types of first-party insurance claims we handle:
1. First-Party Property Damage Claims
When your home or commercial property suffers damage, your homeowners’ insurance or commercial property policy should provide compensation.
Common issues faced by policyholders often include denied fire damage claims, where insurers refuse to acknowledge the extent of damage caused by fire. Additionally, after hurricanes or other severe storms, many encounter lowball payouts, with insurance companies offering far less than what is needed to cover the actual damages.
Water damage claims are also frequently denied, leaving property owners struggling to fund necessary repairs. These practices can leave policyholders feeling helpless and undercompensated in the wake of significant property damage.
If your insurance company is delaying, underpaying, or denying your property damage claim, contact our first-party insurance attorneys today- we’re ready to fight for the compensation you deserve.
Health Insurance Claim Denials
Your health insurance should cover necessary medical care, but insurers often find loopholes to avoid paying.
In the realm of health insurance, patients often face denials of emergency room claims, with insurers not covering costs that healthcare providers deem necessary. Challenges also arise from pre-existing condition exclusions, which can block coverage for crucial treatments.
Furthermore, there is a frequent refusal by insurers to cover prescription medications, forcing patients to bear the full cost of essential drugs, thus compounding their health and financial burdens.
If your health insurance provider has wrongfully denied or underpaid your claim, our Houston health insurance dispute attorneys are ready to advocate for the benefits you’re entitled to.
Business Interruption & Commercial Insurance Claims
When businesses suffer unexpected interruptions, first-party insurance should cover losses. But many companies face pushback from insurers unwilling to pay. Businesses frequently encounter denials of business interruption insurance claims, leading to significant financial strain when they need support the most.
Disputes over commercial property insurance also pose major challenges, particularly when insurers and policyholders clash over coverage terms and damage assessments. Additionally, claims related to natural disasters are often denied, leaving businesses to shoulder the heavy costs of recovery and repairs without the expected financial assistance from their insurers.
If your business is facing losses due to a denied or underpaid interruption or commercial insurance claim, our attorneys can help you recover the compensation you’re owed.
More types of first-party insurance cases we can help you with:
- Disability Insurance Claim
- Life Insurance Claims
- Earthquake loss claims
- Hurricane claims
- Tornado claims
- Windstorm claims
- Hailstorm claims
Why Hire a Houston First-Party Insurance Attorney?
Navigating an insurance claim involves more than just understanding complex legal principles; you’re also contending with insurance companies equipped with vast resources and dedicated legal teams focused on protecting their profits at your expense. In this David vs. Goliath situation, the support of a skilled Houston first-party insurance attorney is not merely beneficial—it’s essential.
Whether your insurance claim has been unjustly denied, unreasonably delayed, or significantly undervalued, having a dedicated advocate ready to fight for your rights is crucial. Reach out to Daly & Black today. Our experience in countering bad faith insurance tactics helps safeguard your rights and ensure your claims are justly handled.
The Daly & Black Difference
At Daly & Black, P.C., we are not just your attorneys; we are your staunch advocates when insurance companies fail to honor their agreements.
With our experience in first-party insurance claims, we bring a profound understanding of the challenges and intricacies these cases entail. Our Houston first-party insurance attorneys are dedicated to fighting for policyholders who have been wronged by their insurers.
Aggressive Legal Representation
We know that insurance companies often prioritize their bottom line over the needs of their policyholders, employing tactics that range from unjust delays to outright denials of valid claims.
That’s why our approach is uncompromisingly aggressive. We’re prepared to go to battle for you, employing robust legal strategies that fight for insurers to pay what you are rightfully owed. We don’t shy away from taking cases to trial if that’s what it takes to achieve justice for our clients.
Proven Expertise in First-Party Claims
With years of experience in first-party insurance claims, Daly & Black has developed an acute understanding of navigating these complex cases. We know the tactics insurers use to avoid payouts, and we counteract them with effective, proven strategies. Our firm’s track record speaks volumes, with substantial compensations secured through both settlements and verdicts.
Client-Centered Service
We believe that effective legal representation is about more than just winning cases—it’s about caring for our clients through every step of the process. At Daly & Black, you’re not just another case file. We ensure you are fully informed and actively involved in your case, with continuous communication and personal attention from our team.
No Risk Representation
Understanding the financial strain that often accompanies insurance disputes, we offer our services on a contingency fee basis. This means you will not owe us anything unless we win your case. It’s part of our commitment to provide accessible, high-quality legal representation to all policyholders, regardless of their financial situation.
If you are struggling with a denied, delayed, or underpaid first-party insurance claim, don’t navigate this challenging time alone. Contact Daly & Black, P.C. today for a free consultation.
Let our experienced Houston first-party insurance attorneys take on your fight and help you recover what you are due. We’re ready to go ALL IN for you—because when we say we fight for our clients, we mean it.
FAQs
Q: What is first-party insurance?
A: First-party insurance covers your own losses, including property damage, auto accidents, and medical expenses.
Q: When should I hire a first-party insurance attorney in Houston?
A: If your claim has been denied, delayed, or undervalued, or if you suspect bad faith tactics from your insurer.
Q: What does a Houston first-party insurance attorney do?
A: We fight for policyholders, handle insurance negotiations, and file lawsuits if necessary to seek the compensation you deserve.
Defend Your Interests with a Houston First-Party Insurance Attorney
Insurance claims are fraught with complications. At Daly & Black, P.C., our role as your Houston first-party insurance attorneys is to navigate these waters with precision and determination. We are committed to your case from start to finish, fighting for you ro receive the full coverage you’re entitled to.
Time is of the essence. Reach out to Daly & Black, P.C. now and schedule your FREE consultation with an experienced insurance attorney.