Holding Insurance Companies Accountable
When disaster strikes — whether it’s a car accident, storm damage, fire, or another covered loss — you expect your insurance company to stand by its promise. Unfortunately, many policyholders quickly learn that their insurer is more focused on minimizing payouts than honoring the policy they sold you.
At McAlpine Law, we represent policyholders in first-party insurance claims — cases where your own insurance company delays, underpays, or denies valid claims. We know the tactics insurers use, and we fight to make sure you receive every dollar you’re entitled to under your policy.
Why Choose McAlpine Law for Your Insurance Dispute?
Board-Certified Trial Lawyer
Kiernan McAlpine’s credentials send a message to insurers that we’re ready to take them to court if they don’t treat you fairly.
Experience with Bad Faith Claims
We’ve handled disputes involving auto, homeowner’s, health, disability, and commercial insurance policies.
Trial-Ready Strategy
Insurers know we won’t back down — we prepare every claim as if it’s going to be tried in front of a jury.
No Fee Unless We Win
You pay nothing upfront. We work on contingency, so we only get paid if we recover for you.
Personalized Advocacy
We take the time to understand your claim, policy, and losses to create the most compelling case possible.
Common Examples of First-Party Insurance Claims
Uninsured/Underinsured Motorist (UM/UIM) Claims
When you’re hit by a driver with no insurance or not enough coverage, your own policy should step in — but often, insurers try to lowball or deny these claims.
Property Damage Claims
Storm, fire, flood, or theft damage that’s covered by your homeowner’s or renter’s insurance but disputed by the insurer.
Health or Disability Claims
Policies meant to cover medical expenses or income replacement that are denied despite clear medical need.
Business & Commercial Losses
Insurance that should cover interruption or property loss but is delayed or denied.
Bad Faith Denials
When an insurer acts unreasonably, misrepresents your policy, or refuses to investigate your claim properly.
Damages You May Be Entitled To
- Policy Benefits Owed — The full amount your insurer should have paid under your policy.
- Additional Financial Losses — Expenses or losses caused by their delay or denial.
- Interest & Penalties — Allowed under Texas law for late payments on valid claims.
- Attorney’s Fees — In certain cases, the insurer can be ordered to pay your legal fees.
- Punitive Damages — For bad faith or willful misconduct.
Our Process
- Free Policy Review — We examine your policy and claim history.
- Evidence Gathering — We collect documentation, correspondence, and expert reports to prove the validity of your claim.
- Demand Letter & Negotiation — We put the insurer on notice and demand full payment.
- Litigation if Necessary — If they still refuse to pay fairly, we take them to court.
First-Party Insurance Claim FAQ
A first-party claim is filed with your own insurer, while a third-party claim is filed against another person’s insurance.
Bad faith includes unreasonable delays, failure to investigate, misrepresentation of policy terms, or denying a valid claim without a legitimate reason.
Yes, if they violate Texas insurance laws or breach their contractual obligations.
It’s possible, but the greater concern is ensuring you receive the benefits you’re owed.
Nothing upfront — we work on a contingency fee basis.
Is your own insurance company refusing to pay what’s fair? Call McAlpine Law today for a free, confidential consultation — we are Fighting for Maximum Recovery when insurers break their promises.