Hurricane Claims FAQ

It has been more than two years since a hurricane ripped through my home. If my insurance company refuses to pay the full value of my claim, will I be able to file a lawsuit?

Gulf Coast states each have an applicable statute of limitations dictating by when a claim must be filed. If your state has a limit of two years or less, then your claim will be time-barred and you will have lost the ability to file a claim.

There is a provision, however, that permits the statute of limitations in a particular case to be "tolled." If you had extenuating circumstances, such as an illness or injury, that prevented you from filing your claim, then the time would not run while you were incapacitated.

Even if you can’t bring a lawsuit, you may be still able to receive payment of a claim from your insurance company, especially if any statements by a company agent, employee or adjuster caused your delay.

To learn more about your legal options, contact a Houston hurricane insurance lawyer at Arnold & Itkin LLP today.