Texas storms have been getting stronger and more frequent in recent years. The damage from these powerful storms can devastate families, and the situation worsens when insurance companies deliberately make your life more difficult. Our claims lawyers can provide invaluable legal representation during this difficult time.
At Carrigan & Anderson, PLLC, we have spent over 40 years confronting dishonest, greedy insurance companies and safeguarding the rights of policyholders like you. Find out what our Texas property insurance claims lawyers can do for you by calling our law firm today. The initial consultation is free.
How Our Texas Storm Damage Claims Lawyers Can Help You
We can handle any and all tasks related to your claim and any legal actions that result from it. This includes:
- Offer a free case review, during which you will have the chance to share your story in your own words and explain your goals
- Review your insurance policy to see what your policy covers and what your coverage limits are
- Explain your legal rights so you know what action you can take after a storm and how to spot potential mistreatment from the insurance company
- Collect evidence for your claim, such as local and state reports of severe weather events, photos of your damaged property, and inventory lists
- File your claim with the insurer within the deadline and follow up with the insurance adjuster to see how your case is progressing
- Work with the insurance provider, if they do not offer what you need immediately but express a willingness to meet with us at the negotiating table
- Consider other legal actions, such as filing a lawsuit, if we find evidence that the insurer has violated your rights as a policyholder
Our Storm Damage Attorneys in Texas Help Home and Business Owners
Our Texas personal injury lawyer has the knowledge and experience in insurance law to assist with different types of property claims. If your home was damaged, we can stand up for your rights as a Texas homeowner and ensure you receive fair compensation from the insurer. If you are a business owner, our Texas commercial insurance claims lawyers will fight for your rights to compensation to get your business back on its feet.
Call Carrigan & Anderson, PLLC, today for a free initial consultation. We have offices in Victoria, Houston, and Corpus Christi. You are welcome to visit the location most convenient for you.
We have offices in Houston, Corpus Christi, and Victoria; and will travel to any corner of Texas if we are capable of preventing an injustice.
What Does Storm Damage Insurance Cover in Texas?
Storm damage coverage is a very complicated topic in Texas. For example:
- Windstorm insurance and flood insurance are two different things. Even if you suffered both wind damage and flood damage in the same storm, these are two separate categories, and you would need to file a claim with each policy.
- According to the Texas Department of Insurance (TDI), windstorm insurance coverage may or may not be included in your homeowners insurance policy. If you live along the Gulf of Mexico, you will almost certainly need a separate policy.
- TDI also explains that flood insurance is often separated into two different policies: one for structural damage and one for personal property damage. Again, even if both types of damage occurred during the same event, you may need to file separate property damage claims depending on what you lost.
All of this can be very confusing for property owners who have just been through a traumatizing natural disaster. Our Texas storm damage attorneys can explain your insurance coverage and make sure all of the paperwork gets filed with the correct insurers. You do not have to worry about filing any storm damage insurance claim on your own.
Getting the Compensation You Need from Texas Storm Insurance
Depending on your property insurance policy, you could receive compensation for the destruction of or damage to:
- Your home
- Your place of business
- Inventory and equipment you need to run your business
- Loss of income
- Personal property, including clothes, electronics, and antiques
- Related additional living expenses, if you need to pay for items or services you do not normally use, like laundry, food, or pet boarding services
Carrigan & Anderson, PLLC, knows that you are depending on an insurance payout to cover the above expenses. We fight hard to secure the fair settlement you are entitled to based on your commercial or homeowners policy.
Texas Storm Damage Claims Lawyer Near Me 361-884-4437
The Insurers Might Try to Undermine Your Valid Claim for Storm Damage
Unfortunately, many insurers take advantage of the fact that claimants are distracted and worried, so they try to withhold the funds they need and deserve. This can include the use of illegal, bad-faith insurance practices, such as:
- Not replying to your claim or other communications right away
- Telling you that your policy does not cover your situation, even though it does
- Not telling you that your claim was denied in a timely manner
- Asking for documents or information that have nothing to do with your claim
Our storm damage claims lawyers in Texas find bad faith insurance practices unconscionable, which is why we have dedicated our careers to protecting policyholders like you.
How to Deal with Insurance Companies After a Severe Storm
The easiest way to make sure your case avoids unnecessary trouble is by letting our storm damage lawyers in Texas handle everything. We are very familiar with the insurance industry’s underhanded strategies and can fight back by:
- Managing all communications so the insurer does not lie about your coverage or try to manipulate you
- Evaluating your financial losses so the insurer cannot offer a small settlement and insist that this is all your claim is worth
- File a storm damage lawsuit if necessary
We are available seven days a week. David M. Anderson, one of our managing partners, responds to texts from clients with timely and helpful legal advice, so you never have to wait long for the support you need.
Representing the injured in all areas of Texas that extends back over 40 years
Let Our Texas Storm Damage Claims Lawyers Get Started Helping You Today
Carrigan & Anderson, PLLC, realizes how upsetting it is to suffer damage to your home or business. While you take time to process and figure out how to repair and rebuild, our Texas storm damage claims lawyers can work hard to get you the insurance settlement that will make your fresh start possible.
Contact us for a free case evaluation.
At Carrigan & Anderson, PLLC we can talk to you about your options and rights.
