Thieves steal copper wiring, HVAC refrigerant lines, or metal from the property. Under Tex. Ins. Code §541, McAllen businesses have 2 years to pursue underpaid claims. Prompt Payment Act: 18% interest on late payments.
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Get Free Analysis →Under Tex. Ins. Code §541, McAllen businesses generally have 2 years from the date of loss to pursue a bad faith action. Your policy may also require prompt notice (typically 30–60 days) and a sworn proof of loss within a shorter window. Prompt Payment Act: 18% interest on late payments. Consult a licensed Texas attorney for your specific timeline.
1) Ensure safety and contact emergency services if needed. 2) Photograph and video all damage before any cleanup. 3) Notify your insurer promptly — late notice can be used to contest coverage. 4) Preserve all damaged property until your adjuster inspects it. 5) Keep all receipts for emergency mitigation, repairs, and any temporary relocation costs.
Yes — common denial reasons for copper / metal theft claims include: Losses in excess of contents sublimit for metals.. If your claim is denied, request the specific policy provision in writing. Under Tex. Ins. Code §541, insurers must provide a written explanation citing the exact exclusion. You have the right to dispute any denial.