The Law Offices of Colby Lewis
Houston Insurance Claims Lawyer
Dedicated Advocates for Your Insurance Claim or Denial
When an insurance company delays, underpays, or denies a valid claim, the financial and emotional toll can be overwhelming—especially as bills continue to pile up. At The Law Offices of Colby Lewis, our experienced insurance dispute attorneys advocate for policyholders throughout Texas, including Houston, San Antonio, Corpus Christi, McAllen, and Brownsville. We combine in-depth knowledge of Texas insurance law with proven litigation experience to hold insurers accountable and pursue the full compensation our clients are owed.
Act quickly—Texas law imposes strict deadlines on insurance claims and lawsuits. Delays can jeopardize your right to recover.
Whether your case involves property damage, hurricane or storm losses, bad faith insurance practices, or other coverage disputes, our legal team is prepared to investigate, document evidence, negotiate aggressively, and, when necessary, take your case to court.
Contact us today for a free, no-obligation consultation and trusted guidance on the path toward the financial recovery and justice you deserve.
Navigating Insurance Claims Shouldn’t Be This Difficult
Insurance companies often complicate the claims process long before a lawsuit is filed—requesting excessive documentation, delaying inspections, or disputing covered losses. When you’re already facing property damage, costly repairs, and financial uncertainty, battling your own insurer can feel exhausting and unfair.
Our goal is to simplify those first steps and give you a clear path forward. Houston insurance claims denial attorney Colby Lewis is highly experienced in insurance litigation, and his team is committed to providing strong, strategic representation to policyholders across Texas.
You don’t have to face the insurance company alone—our firm provides the knowledgeable, results-driven advocacy you need to move forward with confidence.
Types of Insurance Claims We Handle
At The Law Offices of Colby Lewis, we represent homeowners, property owners, and businesses in a wide range of complex insurance disputes across Texas. Our team understands the tactics insurers use to delay, underpay, or deny valid claims—and we work diligently to secure the full benefits our clients are entitled to under their policies.
Has Your Insurance Company Delayed or Denied Your Claim?
A denied, underpaid, or unreasonably delayed insurance claim can leave you facing mounting repair costs, lost income, and uncertainty about what to do next. At The Law Offices of Colby Lewis, we understand the strategies insurance companies use to minimize payouts—and how devastating those tactics can be for policyholders. Our firm represents clients across Texas, providing experienced legal advocacy when you need it most.
Insurance disputes are time-sensitive. Texas law imposes strict deadlines on filing claims and lawsuits, and delays can jeopardize your right to recover compensation. Whether your case involves hurricane or storm damage, structural loss, fire, or another covered event, our attorneys work to cut through insurer tactics and pursue the full benefits you are owed under your policy.
Schedule a free consultation today to protect your rights and explore your legal options.
How Do I Know if I Can Take Legal Action?
Certain forms of insurance company misconduct may justify legal action under Texas law. Common examples include:
Denying a legitimate claim without a reasonable basis
Demanding unnecessary or excessive documentation
Failing to investigate promptly
Unreasonable payment delays
Misrepresenting policy terms or your coverage
If you believe your insurance company is acting in bad faith, negligently handling your claim, or misleading you about your coverage, our team can help. We will carefully review your policy, investigate the circumstances of your loss, and provide clear, strategic guidance on the strongest path forward—whether through negotiation or litigation.
Contact a Houston insurance claims attorney at The Law Offices of Colby Lewis today to get trusted answers and experienced representation.
What Should I Do While I Wait?
Organization is critical. While your claim or lawsuit is pending, you should maintain:
- All written and electronic communication with your insurer or agent
- Photos of all damage
- Repair estimates, invoices, and receipts
- Your policy, endorsements, and declarations pages
Having this information ready at the outset allows our team to act quickly and build a strong case on your behalf.
What Are My Deadlines?
Statutes of limitations vary widely. For breach of contract cases—including many insurance disputes—deadlines can range from three to ten years, depending on your policy and the facts of your situation.
Because these timelines can be shortened by contractual terms, prompt action is essential. If you believe you have a claim, contact us as early as possible. Our team will determine your deadlines and help ensure your case is filed correctly and efficiently.
My Claim Was Denied or Underpaid. What Now?
If your insurer has denied a claim, offered only partial payment, or only authorized partial repairs, you should immediately:
- Document every communication with your insurer.
- Keep a dedicated file of photos, reports, and letters.
- Contact an experienced Houston insurance claims attorney.
You may be entitled to substantially more than what the company initially offered. After reviewing your evidence and policy, we will determine whether you have a viable case.
Common Problems Policyholders Experience
Policyholders frequently encounter the following issues when filing insurance claims:
- Bad-faith conduct (failure to act with fairness and good faith as required under Texas law)
- Complex policy provisions that insurers interpret narrowly or inaccurately
- Underpayment or slow payment of claims that were already approved
Many of these disputes cannot be resolved without legal intervention and an attorney familiar with insurance-company strategies.
What Damages Can I Recover Through Insurance Litigation?
Although each case is different, policyholders may be able to recover:
- Actual damages
- Interest dating back to when payment should have been made
- Penalties for knowingly underpaying or denying a valid claim
- Attorney’s fees
Meet Colby Lewis
With over a decade of success as a civil trial lawyer, Colby Lewis has earned the trust of clients across Texas and the respect of his peers. His recognitions include:
Texas Super Lawyers
Top 100 Houston Super Lawyers
An AV Preeminent rating from Martindale-Hubbell
A “Superb” rating from AVVO
Membership in the Texas Bar College
Colby’s practice includes insurance litigation, personal injury, construction defect claims, and complex commercial disputes. But his commitment to fighting for individuals began long before he opened his own firm.
A Background That Sets Him Apart
Before founding the Law Offices of Colby Lewis in 2015, Colby served as defense counsel for some of the largest insurance companies and corporations in the country. After years of witnessing—and participating in—corporate strategies designed to limit payouts to everyday people, he chose to leave that world behind.
He returned to plaintiff’s work to do exactly what he intended to do when he became a lawyer: stand with individuals, not corporations. His insight into the inner workings of the insurance industry now gives policyholders a powerful advantage.
Colby’s experience allows him to:
Accurately evaluate prospective claims
Predict insurer tactics and strategies
Counter the mechanisms insurers use to avoid accountability
Insurers protect their own interests. Colby’s job is to protect yours.
Over $200,000,000 Recovered for Our Clients.
A Proven Track Record of Taking on Big Hospitals and Insurance Companies
At The Law Offices of Colby Lewis, we don’t just settle for what is easy; we fight for what is fair. Our $200 million+ in total recoveries represents thousands of hours in the courtroom and at the negotiating table, ensuring that our clients receive maximum compensation after an injury.
A Reputation Validated by Peers, Judges, and Clients
With over 20 years of experience and a perfect 10.0 “Superb” Avvo rating, our firm is recognized by the legal community for its expertise and by our clients for our dedication.
We are honored to announce that the Law Office of Colby Lewis has been recognized by Best Law Firms® for 2026. This prestigious ranking highlights our dedication to providing top-tier legal representation in Houston.
Colby Lewis has been selected to The Best Lawyers in America, a prestigious honor based entirely on peer review. This recognition reflects his strong reputation among fellow attorneys and his proven ability to handle complex insurance claims and denial cases with skill and integrity.
Contact The Law Offices of Colby Lewis Today
When an insurance company delays, underpays, or denies your claim, you don’t have to fight back alone. At The Law Offices of Colby Lewis, we stand up to insurers, protect your rights, and work tirelessly to secure the full compensation you’re owed.
If you’re dealing with a difficult insurance claim in Houston, now is the time to act. Call us today to schedule a free, no-obligation consultation and get a dedicated advocate on your side.
Reach out now — justice and fair compensation start with a single call.
Frequently Asked Questions (FAQs)
When can I take legal action against my insurance company in Texas?
You may have a valid legal claim if your insurer:
- Denies a legitimate claim without a reasonable basis
- Delays an investigation or payment beyond what is considered reasonable
- Misrepresents policy terms or facts
- Demands excessive or unnecessary documentation
- Fails to communicate clearly about your claim status
These actions may violate the Texas Insurance Code and could entitle you to additional damages. If you suspect unfair or bad-faith conduct, contact our office so we can review the circumstances and advise you accordingly.
What should I do if my insurance claim is denied or underpaid?
Document everything. You should:
- Keep copies of all letters, emails, and texts from your insurer
- Maintain a log of phone calls with adjusters
- Save photos of the damage
- Keep repair estimates, invoices, and receipts
Then speak with an experienced insurance claims attorney. Many denials and low-ball offers collapse under scrutiny, and you may be entitled to far more than the insurer initially offered.
Learn more about what to do if your insurance claim is denied or underpaid here.
How long do I have to file a lawsuit against an insurance company in Houston, TX?
Statutes of limitations vary depending on your policy and the type of claim. For breach of contract claims, the deadline can range from three to ten years, but policies often contain shorter contractual limitations.
Because missing a deadline can end your claim entirely, you should speak with an attorney as early as possible.
What damages can I recover in an insurance dispute in Houston?
Depending on your case, you may be able to recover:
- The full value of your covered losses (actual damages)
- Interest dating back to when payment should have been made
- Penalties for knowingly underpaying or denying a valid claim
- Attorney’s fees
- Bad-faith conduct may increase the types and amount of damages available.
What is considered “bad faith” by an insurance company?
- Ignoring evidence of a covered loss
- Failing to conduct a reasonable investigation
- Offering an amount far below the value of the claim
- Misrepresenting policy language
- Deliberately dragging out the claims process
What types of insurance claims does your firm handle?
- Hurricane and tropical storm damage
- Hail and fire damage
- Homeowners insurance claims
- Commercial and business insurance claims
- Property damage disputes
- Other first-party insurance claims
If your insurer has delayed, denied, or undervalued your claim, we can evaluate your case and help you understand your options.
What should I be doing while my claim is pending?
Do I need a Houston insurance attorney for an insurance claim?
Not always, but you do need an attorney when your insurer is delaying payment, you've received a low-ball offer, your claim has been denied, your insurer is giving inconsistent explanations, or if you suspect your insurer is acting unfairly.
Insurance companies have teams of professionals protecting their interests. You deserve someone fully equipped to protect yours.
What should I do if the insurance company wants a recorded statement?
Can a Houston insurance claims attorney help if my claim is only partially denied or underpaid?
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