Specialty materials priced as standard
Slate, tile, standing-seam metal, custom millwork and imported stone cost more to match and install. An estimate built on standard materials can fall well short.
ChubbClaim guide · independent
Texas and Colorado public adjusters · Chubb claims
Chubb denied or underpaid your claim?
Chubb denied your claim or paid less than it takes to restore your home? Larger and custom homes mean larger scopes, specialty materials and more room for disagreement. We review Texas and Colorado property claims for free and tell you plainly what we see.
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- Colorado public adjuster license 940240
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Chubb (Chubb Lloyds Insurance Company of Texas and other Chubb companies). Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
About Chubb
Chubb is a global insurer with operations in 54 countries and territories, providing commercial and personal property and casualty insurance, according to the company. In Texas, its largest homeowners writer is Chubb Lloyds Insurance Company of Texas.
Chubb ranks 9th in Colorado by 2024 homeowners premium, and Chubb Lloyds Insurance Company of Texas is 13th on the Texas Department of Insurance’s company-level homeowners list, according to the data below.
Why Chubb claims get denied or underpaid
Common reasons homeowners with larger or custom homes report for disputed claims, with any carrier (general patterns, not Chubb’s internal policy):
Matching across large areas
When replacement materials don’t match, the question is how far replacement should extend. The answer depends on policy language and state law.
Additional living expenses
Long repairs on larger homes can mean months of displacement. Keep receipts and document why comparable housing costs what it does.
Contents and valuables
High-value contents, art and collections may be covered under separate schedules with their own terms. Check which schedule applies to each item.
Hail and wildfire smoke
Texas and Colorado hail, and Colorado wildfire smoke, can damage roofs, siding, HVAC systems and contents even when damage isn’t obvious. Testing and a close inspection help support the claim.
Tip: Use your own contractor’s scope
For custom homes, get a detailed estimate from a contractor experienced with your materials and finishes. Compare it line by line with the insurer’s estimate rather than only the totals.
What to do after a Chubb denial or low offer
In Texas
- 1
Get the decision and the reasons in writing
A Texas insurer must accept or reject a claim in writing within 15 business days after it receives everything it asked for, or within 45 days if it notifies you why it needs more time. A rejection must state the reasons (Tex. Ins. Code § 542.056).
- 2
Know the other prompt-payment deadlines
Acknowledgment and information requests within 15 days of notice (§ 542.055); payment within 5 business days after the insurer says it will pay (§ 542.057). After a commissioner-declared weather catastrophe, deadlines get 15 more days (§ 542.059).
- 3
Read the exact policy language cited
Find the exclusion or condition the letter relies on, plus your deductibles (often a percentage for wind and hail) and any cosmetic-damage or roof endorsements.
- 4
Use the policy’s appraisal clause
Appraisal is for disputes about the amount of the loss, not coverage. Each side hires an appraiser, and an umpire decides differences; TDI describes the umpire’s decision as binding.
- 5
Mind the complaint and pre-suit steps
You can complain to TDI in writing. According to TDI, if the damage was caused by a disaster, you must notify the insurer in writing at least 61 days before suing. Coastal wind claims under TWIA have a 1-year filing deadline.
More on Texas claims: Texas public adjusters
In Colorado
- 1
Request your policy right away
A Colorado homeowner’s insurer must make a copy of your policy, with declarations and endorsements, available within 3 business days after you ask, and a certified copy within 30 calendar days after a written request to its registered agent (C.R.S. § 10-4-110.8(10)).
- 2
Get the decision and the reasons in writing
Ask for the specific policy provision the denial or reduction relies on, the adjuster’s estimate and any reports. Colorado law prohibits unreasonable delay or denial of covered benefits (C.R.S. § 10-3-1115); whether that applies is a legal question for an attorney.
- 3
Know your contents and ALE rights
After a total loss of a furnished primary home’s contents, insurers must offer at least 30% of the contents limit without an inventory and allow at least 365 days to submit one. Replacement-cost dwelling policies must include at least 12 months of ALE (C.R.S. § 10-4-110.8(6), (11)).
- 4
Use the policy’s appraisal clause
If the disagreement is about the amount of loss, the appraisal clause may resolve it without court. Read its exact steps and deadlines.
- 5
Don’t rely on a shortened suit deadline
A Colorado homeowner’s policy can’t require you to sue within a shorter time than the statute of limitations (C.R.S. § 10-4-110.8(12)). Ask a Colorado-licensed attorney about legal deadlines.
More on Colorado claims: Colorado public adjusters
Real results
Claims we’ve handled in Texas and Colorado
Real claims our clients authorized us to share, with their exact numbers. Our case records don’t name the insurance company, so these are not presented as Chubb claims.
HailInitial payment $967.33$125,000final recoveryLauraDallas, TexasRead the case →Plumbing leakInitial payment $4,294.32$78,000final recoveryLouisaColorado Springs, ColoradoRead the case →CommercialInitial payment $40,382.43$450,000final recoveryJoe & LuisHouston, TexasRead the case →
Every insurance claim is different, and prior results do not guarantee a similar outcome. See all results →
Chubb claim FAQ
My home has custom finishes. How do I show what they cost to replace?
Gather original invoices, plans, specifications and photos, and get a detailed estimate from a contractor who works with those materials. Specific product names and quantities carry more weight than general descriptions.
Can my Colorado policy shorten the time I have to sue?
Under C.R.S. § 10-4-110.8(12), a Colorado homeowner’s policy can’t require you to sue within a shorter period than the applicable statute of limitations. For legal deadlines, talk with a Colorado-licensed attorney.
How do I get a copy of my policy in Colorado?
Ask your insurer. Under C.R.S. § 10-4-110.8(10), a homeowner’s insurer must make a copy of your policy, including the declarations page and endorsements, available within 3 business days after you request it, and a certified copy within 30 calendar days after a written request to its registered agent.
How long does a Texas insurer have to accept or reject my claim?
Under the Texas Prompt Payment of Claims Act, an insurer generally must acknowledge a claim within 15 days (Tex. Ins. Code § 542.055) and accept or reject it in writing within 15 business days after receiving everything it asked for, or up to 45 days if it tells you why it needs more time (§ 542.056). Once it agrees to pay, payment is due within 5 business days (§ 542.057). After a weather catastrophe declared by the commissioner, these deadlines get 15 more days (§ 542.059).
Can you guarantee the insurer will change its decision?
No. No one can honestly guarantee an outcome. We review the file, tell you what we see, and represent you if it makes sense to work together. Every claim is different, and prior results do not guarantee a similar outcome.
What does the review cost?
The claim review is free, and asking questions doesn’t hire us. If it makes sense to work together, the fee and services are explained in a written agreement before you sign.
General information, not legal advice. Policies and state laws differ, and laws change.
Sources
- Chubb, About Chubb
- R Street Institute, “Colorado Homeowners’ Insurance: On the Right Path” (July 16, 2025), table of top 10 Colorado homeowners insurers by 2024 direct premium written, source S&P Capital IQ Pro
- Texas Department of Insurance, Top 40 list of insurers in Texas: Homeowners (company level)
- Texas Insurance Code, Chapter 542, Subchapter B (Prompt Payment of Claims), §§ 542.055–542.060
- Texas Department of Insurance, Home insurance guide (claims deadlines, appraisal, complaints; updated June 1, 2026)
- C.R.S. § 10-4-110.8 (Colorado homeowner’s insurance: required practices, policy copies, contents, suit limitations), as amended by HB 25-1322
- C.R.S. § 10-3-1115 (Colorado: improper denial or delay of claims)
Sources checked September 27, 2026.
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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by Chubb (Chubb Lloyds Insurance Company of Texas and other Chubb companies). Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.
American Financial Claims is a licensed public adjusting firm, not a law firm. We do not provide legal advice. Office: Brickell Arch, 1395 Brickell Ave, Suite 800, Miami, FL 33131. Every insurance claim is different, and prior results do not guarantee a similar outcome.