Hurricanes can cause widespread devastation. If a recent hurricane or other natural disaster recently destroyed or damaged your home, you should be able to submit a claim with your insurance company and receive compensation to make necessary repairs. However, this is often easier said than done.
A Texas City hurricane damage claim lawyer on our team can represent you during the filing process, protecting your rights and fighting for fair coverage.
Whatever your situation, we are here for you. Our Texas City insurance claims lawyers respond to texts every day of the week, and you’ll be able to connect to your attorney directly. Reach out to Carrigan & Anderson, PLLC, to start your legal journey with us today.
What to Expect from a Texas City Hurricane Damage Claim Attorney at Our Firm
Any damage to your home from a hurricane can put your life on hold. You may have to make temporary repairs and relocate until the damage can be fixed. In any event, you should focus on ensuring your family’s safety and not spend time worrying about the insurance claims process.
Leave all matters related to your claim to one of our Texas City hurricane damage claim lawyers instead. As a smaller law firm, we’re able to spend as much time on your case as necessary, so you can expect personalized attention. In addition, we will:
- Review the terms of your insurance policy
- Gather proof of your losses
- Manage all correspondence with the insurance company
- Complete and submit the required forms
- Negotiate for an appropriate payout
- Provide consistent updates on your case
- Reply to your calls, texts, and emails promptly
Our Texas City personal injury lawyers don’t require an out-of-pocket fee to work on your case. Instead, we will serve you on contingency, meaning we will only collect payment if we secure a fair settlement for you. This fee arrangement also enables us to start building your case immediately so you can file as soon as possible.
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.
Common Types of Damages Hurricanes Can Bring About
The National Oceanic and Atmospheric Administration (NOAA) affirms that a category 1 hurricane can bring storm surges up to five feet, as well as wind gusts from 74 to 95 mph. Category 5 hurricanes can produce wind speeds of over 155 mph. Regardless of how strong the hurricane is, it can lead to serious damage. If your home or commercial property experienced severe wind damage or flooding due to a hurricane, it might have resulted in:
- Roof leaks
- Broken windows
- Holes in the siding, walls, and doors
- Mold damage
- Damage from flying or falling debris
- Electrical surges
- Power outages
- Split or blown-off roof tiles
This list is not exhaustive. Homeowners deal with all kinds of damage after a hurricane. Most standard homeowners policies for homes on the Gulf Coast do not cover hurricane damage. However, if you have windstorm and flood insurance policies, compensation may be available.
Although each policy differs, you may receive compensation for:
- Structural damage
- Damage to sheds or garages
- Damage caused by power surges
- Ruined landscaping
- Alternative living expenses
- The cost to clean up and remove debris
- Damaged personal property, including furniture and appliances
We encourage you to document every loss your property sustained to improve your chances of getting the coverage you’re entitled to. Take pictures and record videos of the damage. Have an inspector give you estimates. Keep all your receipts and invoices in one place.
Call Carrigan & Anderson, PLLC today for a free initial consultation. One of our attorneys will help you gather evidence and submit a comprehensive property damage claim.
Texas City Hurricane Damage Lawyer Near Me 361-884-4437
Potential Reasons for a Denial of Your Texas City Hurricane Damage Claim
It’s common for policyholders to receive claim denials after a devastating storm. The insurance provider may reject your claim because of:
- A missed filing deadline
- Insufficient documentation
- Failure to mitigate damage
- Wear and tear
- Failure to prepare for the hurricane
- Pre-existing damage
- Incorrect filing
The insurance company may also deny your claim because of policy exclusions. For example, hurricanes often lead to flood damage. Flooding is generally not covered under homeowners insurance policies. Instead, flood insurance is an independent policy that you may need to purchase separately.
One of our Texas City flood damage claim lawyers can review your policies and determine your eligibility for the different types of coverage.
In any case, our team will investigate the insurance company’s decision to reject your claim. From there, we can collect additional supportive documentation and file an appeal on your behalf.
What Happens When the Insurance Company Treats Your Claim in Bad Faith
Sometimes, insurance companies do not treat valid claims as they should and act in bad faith. According to Texas Insurance Code § 541.060, bad faith practices may include:
- Unjustified delays
- Failing to give a reason or explanation for a denial
- Underpaying your hurricane damage claim
- Failing to investigate your claim thoroughly
- Misrepresenting insurance laws or policy terms
- Using intimidation or threats
- Requiring unnecessary or excessive documentation
If our team concludes the insurance adjuster used bad faith tactics, we can file a lawsuit against them. According to Texas Insurance Code § 541.162, you generally have two years from the day the insurer acted unfairly or the day you discovered they acted unfairly to take legal action. This timeline may be extended in some cases, but we encourage you to start the legal process as soon as possible.
If you let us know about your hurricane damage claim soon enough, a Texas City bad faith insurance claim lawyer at our firm can help you act before the statute of limitations expires.
Representing the injured in all areas of Texas that extends back over 40 years
Let Our Texas City Hurricane Damage Claim Lawyers Protect Your Rights
If you’re dealing with the aftermath of a hurricane, a Texas City hurricane damage claim attorney at our law firm can support you. You can rely on us to give you full transparency, from start to finish. We have over 40 years of experience assisting personal injury and insurance claim clients, and now it’s your turn.
Contact Carrigan & Anderson, PLLC today for a free consultation.
At Carrigan & Anderson, PLLC we can talk to you about your options and rights.
