Receive a FREE Case Review
Receive a FREE Case Review

First-Party Insurance Claims

  • Serving Texas
Receive a FREE Case Review
First-Party Insurance Claims

Insurance Claim Attorneys Holding Insurers Accountable

When you suffer damage — whether from a car accident, fire, storm, health issue, or other covered loss — you buy insurance with the expectation that your provider will honor its promises. Unfortunately, many policyholders discover that their insurer is more focused on reducing payouts than fulfilling the contract you paid for. At Schilter Law Firm, we represent individuals and businesses in first-party insurance disputes and fight to make sure insurers live up to their obligations under your policy.

Receive a FREE Case Review
First-Party Insurance Claims

Why Choose Schilter Law Firm for Your Insurance Claim Dispute?

Receive a FREE Case Review
Board-Certified Trial Advocacy
Our credentials send a clear message to insurance companies: we are fully prepared to take your claim to court if they refuse to treat you fairly.
Experience With Bad Faith Insurance Claims
We’ve handled disputes involving a wide range of policies — including auto, homeowners, health, disability, business interruption, and commercial coverage — and we know the tactics insurers use to deny or lowball valid claims.
Trial-Ready Strategy
Insurers respect firms that prepare every case as though it will go before a jury. We build every claim with that level of preparation and leverage, which often leads to stronger settlement outcomes.
No Fees Unless We Recover for You
Schilter Law Firm works on a contingency fee basis — you pay nothing upfront. We only get paid if we secure money for you.
Personalized Advocacy
We take time to understand your policy, your losses, and your goals so we can craft the most effective legal strategy for your specific situation.
First-Party Insurance Claims

Common Types of First-Party Insurance Claims We Handle

Uninsured / Underinsured Motorist Claims
When your own policy should cover losses after a crash with an at-fault driver who has no insurance or insufficient coverage.
Property Damage Claims
Claims for covered losses to your home, business, or personal property from events like storms, fire, or theft.
Health & Disability Claims
When your insurer unfairly denies coverage for medical expenses or disability benefits that your policy should cover.
Business & Commercial Loss Claims
Including business interruption, equipment damage, and other covered commercial losses.
Bad Faith Insurance Denials
When an insurer unreasonably delays, underpays, or denies a valid claim.
Receive a FREE Case Review
What we offer

Damages You May Be Entitled To

In first-party insurance disputes, Schilter Law Firm pursues every dollar you’re entitled to under your policy, including:

Policy Benefits Owed

The full amount your insurer should pay under the terms of your contract.

Additional Financial Losses

Losses you incur because the insurer delayed or denied payment.

Interest & Penalties

Where allowed by law for late payment on valid claims.

Attorney’s Fees

In some cases, the insurer may be required to cover your legal costs.

Punitive Damages

In cases involving especially egregious bad-faith conduct by the insurer.
Schilter Law

How We Work Your Case

1
Free Policy & Claim Review

We analyze your insurance policy, review your claim history, and explain your legal options.

2
Evidence Gathering

We collect all relevant documentation, correspondence, estimates, adjuster reports, and expert opinions to build a strong case.

3
Demand & Negotiation

We formally notify the insurer of your claim and demand fair payment based on your policy’s terms.

4
Litigation if Necessary

If your insurer still refuses to pay fairly, we are ready to pursue your claim in court.

First-Party Insurance Claims

First-Party Insurance Claims FAQ

What is a first-party insurance claim?
A first-party claim is when you file a claim directly with your own insurer for benefits your policy promises after a covered loss, rather than seeking recovery from someone else’s insurer.
First-party claims are made against your own insurance policy. Third-party claims are made against another party’s insurer when someone else is responsible for your loss.
Yes — if your insurer wrongfully denies, delays, or underpays your claim in violation of the policy or insurance laws, you may have a bad-faith claim.
Potential premium changes depend on many factors, but the priority is ensuring you receive the benefits your policy entitles you to.
Nothing upfront — we work on contingency, which means you only pay if we recover money for you.
Schilter Law

If your insurer is delaying or denying your claim, call Schilter Law Firm for a free consultation — we’ll fight to get you the compensation you deserve.

Receive a FREE Case Review