Attorney Firm — Houston, TX
Denied, delayed, or bad-faith claims — when negotiation isn't enough.
Daly & Black is an insurance attorney serving policyholders in Houston, Texas. When a carrier denies, delays, or underpays a valid claim, Daly & Black pursues every available remedy — including bad-faith litigation, statutory penalties, and fee-shifting provisions that can force the carrier to cover your legal costs.
Tell Daly & Black about your claim.
Tell the story of your loss and share your policy and damage photos.
Independent review of your claim — scope, policy, and carrier position.
A clear next step tailored to your situation, with written recommendations.
Ongoing advocacy through documentation, negotiation, and settlement.
When a carrier is acting in bad faith, stonewalling, or flatly denying coverage, litigation is the tool that makes them respond.
Most insurance attorneys don't charge upfront. Statutory fee-shifting provisions in many states make the carrier pay if you win.
Claim-related lawsuits have hard deadlines. A brief consultation can tell you whether the clock is close to running out on your claim.
Illustrative examples of how common claim types unfold in Texas — general education, not results of Daly & Black. Actual outcomes depend on policy language, damage, and timing.
A common scenario: a supply line fails overnight and part of a ceiling comes down. Initial carrier scopes often cover cosmetic drywall repair and only a fraction of the flooring. Thorough moisture mapping, cabinet-box damage documentation, and code-required electrical work frequently expand the covered scope enough to bring a home back to pre-loss condition.
Carriers sometimes deny roof replacement after a hail event, calling the damage cosmetic. A fresh inspection with calibrated roof-test squares, shingle mat cross-sections, and NOAA storm-data pairing can establish whether a supportable replacement case exists — and denials do get reversed when the documentation holds up.
Initial carrier estimates frequently miss covered line items. Careful scope review, supporting photographs, and code-required documentation are the basis for supplemental payments — the standard path for returning a policyholder closer to whole after an underpaid claim.
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Possibly. If your claim was denied, underpaid, or unreasonably delayed, Texas law may give you a cause of action — including bad-faith and statutory remedies. An insurance attorney can tell you whether litigation is worth pursuing.
Many insurance attorneys work on contingency — a percentage of the recovery, typically paid only if you win — and some offer free initial consultations. Statutory attorney's-fees provisions in Texas can also shift fees to the carrier in some cases. Confirm fee terms before engaging.
It varies. Many cases resolve in mediation within 6–12 months of filing. Complex bad-faith or large commercial cases can take longer — ask for a realistic timeline during the initial review.
Public adjusters handle the claim itself — documentation, negotiation, recovery. Attorneys handle the legal fight when the carrier won't play fair. Many successful claims use both, often in sequence.
General information about how attorneys work in Texas — not statements written by Daly & Black.
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