Q: Money owed on Invoices filed to Homeowners insurance and only partially paid with no denial letters
Contractor sued resident for balance before bills even 30 days late. No opportunity to Arbitrate
A: While I do not practice in TX, I may be able to provide some general guidance. I am assuming this was a covered loss and that what you are asking is what you can do when a carrier doesn't pay for invoices related to repairs from that covered loss. There are two main options you have and one maybe option. First, you can invoke appraisal which will allow you to hire an appraiser to determine the value of the loss with the carrier's appraiser that it will hire. This is likely you best bet. However, you could also contact a public adjuster to assist you in recovery of the amounts unpaid. They generally work on contingency fee and can help get the money you are owed. Finally, the maybe option, is to contact the Texas Department of Insurance to see if there is anything they can do. I will tell you now, it may be unlikely that they step in because they don't often get involved with monetary disputes, but it could be worth a try. Best of luck.
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