Fitts Law Firm

Fitts Law Firm Fitts Law Firm is an insurance and injury law firm that serves clients throughout the United States.

Fitts law firm is an insurance and injury law firm that serves clients throughout the United States. We are committed to maximizing our client’s recoveries by leveraging our experience, skill, grit, and dedication to each matter.

They called it "normal aging." You call it hurricane damage.It's a frustrating pattern Houston homeowners know too well....
05/28/2026

They called it "normal aging." You call it hurricane damage.

It's a frustrating pattern Houston homeowners know too well. The storm tears through, you file your claim, and weeks later an adjuster's report claims those missing shingles and water stains existed before the weather event.

Insurance companies train inspectors to classify damage as maintenance-related rather than weather-caused. The difference? One gets covered. The other doesn't.

But here's what they're counting on you not knowing: Texas holds insurers accountable for thorough, honest investigations. When their assessment contradicts obvious storm damage, you have options.

🏠 Storm damage claim blamed on your roof's age? Contact Fitts Law Firm at 713-871-1670.

Imagine this: A storm rips through your Houston neighborhood and damages your roof. You file a claim, wait for weeks, an...
05/23/2026

Imagine this: A storm rips through your Houston neighborhood and damages your roof. You file a claim, wait for weeks, and then receive a letter saying your insurer won't pay.

Nearly 47% of Texas homeowner insurance claims are closed without payment, a number that's been climbing for years. But a denial letter is not the final word. Texas law requires insurers to follow strict timelines and procedures, and when they don't, they can face penalties including 18% annual interest on your claim.

Review your denial letter, gather independent damage assessments, and document everything. 🏠 If your homeowner claim was denied, call Fitts Law Firm at 713-871-1670.

Houston storms don't negotiate. Neither should you. 🏠After hurricanes or hail, many homeowners get offers that don't mat...
05/21/2026

Houston storms don't negotiate. Neither should you. 🏠

After hurricanes or hail, many homeowners get offers that don't match reality. Your contractor quotes $22,000. Your insurer offers $8,000. That gap is fixable.

Texas law provides an appraisal process for this exact situation.

How it works: You and your insurer each select an appraiser. If they can't agree, a neutral umpire breaks the tie. The result is binding.

Key detail: Appraisal resolves disputes about amount only, not whether damage is covered. If your claim was denied entirely, this isn't the right path.

Underpaid after a Houston storm? Call Fitts Law Firm at 713-871-1670.

Your insurance company's first offer after storm damage? It's often a test. 🏠Houston homeowners frequently receive settl...
05/18/2026

Your insurance company's first offer after storm damage? It's often a test. 🏠

Houston homeowners frequently receive settlement amounts that don't come close to covering actual repair costs. This is called a lowball offer, and you don't have to accept it.

Red flags to watch: The amount ignores damage you documented. The adjuster barely looked at your property. They're pressuring you to sign fast. Never sign a "full and final release" without knowing what rights you're giving up.

If you received a lowball offer in Houston, call Fitts Law Firm at 713-871-1670.

Myth: If your insurance company denies your home claim, there's nothing you can do about it.Fact: Texas law says otherwi...
05/14/2026

Myth: If your insurance company denies your home claim, there's nothing you can do about it.

Fact: Texas law says otherwise. 🏠

Chapter 541 of the Texas Insurance Code gives homeowners real power to fight back against unfair claim denials.

Insurers cannot deny claims without proper investigation or refuse to explain their denial. They also cannot misrepresent what your policy actually covers.

If they violate these rules? You can sue them directly.

If your Houston home claim was denied after storm damage, flooding, or other covered loss, don't assume the insurance company's decision is final.

Call Fitts Law Firm at 713-871-1670 to discuss your options.

Your Houston insurer denied your storm claim entirely. The appraisal process won't help. 🏠Here's a critical distinction ...
05/11/2026

Your Houston insurer denied your storm claim entirely. The appraisal process won't help. 🏠

Here's a critical distinction homeowners miss:

Appraisal only works when both sides agree damage happened but disagree on the dollar amount. If your insurer claims roof damage came from age instead of last month's hailstorm, that's a coverage dispute.

Same for denials based on wear and tear or excluded causes. These require different legal strategies.

Before demanding appraisal, ask yourself: Is your insurer disputing how much to pay, or whether to pay at all?

That answer determines your path forward.

If your Houston home claim was denied outright after storm damage, appraisal isn't your answer.

Call Fitts Law Firm at 713-871-1670.

Once your insurer receives complete documentation, they have 15 business days to decide on coverage. Approval triggers a...
05/07/2026

Once your insurer receives complete documentation, they have 15 business days to decide on coverage. Approval triggers another countdown: payment within 5 business days.

When they miss these statutory windows? Consequences add up, 18% yearly interest on what they owe, plus potential responsibility for your legal costs.

Your protection strategy:

Document everything. Every call, email, adjuster visit, log dates, names, and what was discussed. This paper trail becomes your strongest asset.

Question the process. Was your claim rejected within days? Was the inspection rushed? These shortcuts often signal bigger problems.

Ready to review your situation? Contact Fitts Law Firm: 713-871-1670

Your insurance company owes you an explanation. Literally. 🏠Under Texas Insurance Code 541.060, insurers must provide a ...
05/04/2026

Your insurance company owes you an explanation. Literally. 🏠

Under Texas Insurance Code 541.060, insurers must provide a reasonable written explanation for how they calculated your settlement offer.

Houston homeowners often accept lowball amounts without asking a simple question: How did you reach this number?

If your insurer can't explain their math, or their reasoning doesn't align with your documented damage, you may have stronger leverage than you realize.

Request that explanation in writing. Compare it against independent contractor estimates. Keep records of every communication. That paper trail could become your most valuable asset if you challenge their offer.

Call Fitts Law Firm at 713-871-1670 to discuss your situation.

When your Houston property claim gets denied, most people blame the insurance company. But here's something few homeowne...
04/30/2026

When your Houston property claim gets denied, most people blame the insurance company. But here's something few homeowners realize: the individual adjuster might bear responsibility too. ⚖️

Texas Insurance Code Chapter 541 extends accountability beyond corporate entities to the actual people handling your file.

An adjuster who mischaracterized your coverage terms? Potentially liable. Someone who conducted a five-minute walkthrough of extensive damage? Potentially liable. A claims handler who rejected your submission without reviewing documentation? Potentially liable.

Texas imposes firm time limits on pursuing these remedies.

Your next step matters more than you think.

Reach out to Fitts Law Firm: 713-871-1670

Imagine this: A hailstorm batters your Houston roof. You file a claim. Your insurer denies it, blaming "wear and tear."T...
04/27/2026

Imagine this: A hailstorm batters your Houston roof. You file a claim. Your insurer denies it, blaming "wear and tear."

That denial might not hold up under Texas law. 🏠

Insurance companies cannot use wear and tear as a blanket excuse to avoid paying for actual hail damage. They must conduct a thorough investigation and give you a specific written explanation.

Watch for warning signs: The adjuster spent minimal time on your property. The denial came fast without real documentation. Your neighbors got coverage for the same storm.

Under Texas law, insurers who wrongfully deny claims may owe you 18% annual interest plus attorney's fees.

Call Fitts Law Firm at 713-871-1670 to discuss your situation.

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Houston, TX
77027

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+17138711670

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