HOUSTON - Despite an insured's failure to send a letter denying its insureds' claim or providing written notification that their claim was closed, a Texas federal judge on March 30 found that the insureds' breach of contract and bad faith claims were barred by the policy's two-year limitations period in light of their knowledge that the claim was denied (David Williams, et al. v. Allstate Fire and Casualty Insurance Co., et al., No. 4:11-cv-00530, S.D. Texas; 2012 U.S. Dist. LEXIS 44804).