Identify the actual disagreement
Is the dispute about coverage, the cause of damage, quantities, repair methods, pricing, depreciation, or a deductible? Ask for the decision and itemized estimate in writing. Submit specific supporting evidence with a clear explanation of the correction you seek.
Insurance assistance
The Texas Department of Insurance explains its complaint process and what it can and cannot resolve. Keep a copy of your complaint and supporting documents. TDI is a regulator, not your insurer’s claims department or your legal representative.
TDI complaint help ↗Legal help
A lawyer can evaluate legal options and time limits. The State Bar lists certified local referral services. A referral is a starting point, not an endorsement of a particular attorney or a guarantee of an outcome.
Find a certified referral service ↗Check the attorney’s current State Bar status and discuss relevant experience, scope, and fees before engaging them.