We buy insurance for protection from unfortunate circumstances. Insurance is simply a contract between the insurance carrier and the policyholder under which the insurance company agrees to pay for defined losses in exchange for payment of premiums by the policyholder.   First party insurance coverage pays for a loss incurred by the policyholder and liability coverage protects the policyholder if sued for committing a covered act such as negligence.

It is important that the policyholder strictly comply with the terms of the insurance policy. This includes timely reporting the claim, submitting required proofs of loss and cooperating with the insurance carrier. The failure to do so may provide the carrier with a defense to paying the claim.

In the event your carrier denies coverage or delays in paying a claim, you should consult with an attorney immediately. Dane Patrick is Board Certified In Personal Injury Trial Law by the Texas Board of Legal Specialization and has been handling insurance related matters for most of his career. He grew up in the insurance industry and initially worked for a law firm that represented both policyholders and insurance companies. Our law firm is available to represent policyholders, insurance agents and agencies. Some of the types of insurance matters we are available to handle include:

• Insurance Coverage Disputes
• Property & Fire Loss Claims
• Construction Defects Coverage Issues
• Business & Commercial Losses
• Homeowner Insurance Claims
• Payment and Performance Bond Claims
• Failure of Carrier to Defend or Indemnify
• Unfair Claims Handling or Denial of Claim
• Automobile Insurance

If we can be of assistance to you or your business with any type of insurance matter, please call us without delay so we can protect your rights and begin an immediate investigation.