As a business owner, if you put insurance in place to protect your company, you should be able to rely on it when you really need it. If you are struggling to get fair compensation for a covered loss, our Pasadena commercial insurance claims attorneys can help you negotiate with your insurance provider. Bring us a copy of your applicable insurance policy and let us do the hard work for you.
We will document your damage, collect supporting evidence, and file a complete and accurate claim. Our Pasadena insurance claims lawyers will also represent you if your initial settlement offer was unreasonably low or your claim was denied altogether. Learn more about your financial recovery options by contacting our evaluation team at Carrigan & Anderson, PLLC to get started.
Our Attorneys Guide Business Owners Through Commercial Insurance Claims
Getting coverage from an insurance policy you purchased to protect your commercial venture should be easy. Unfortunately, the process can be more complicated than you think. We work hard to streamline the process as much as possible and help you get your business up and running again.
We are passionate about supporting Pasadena businesses of all sizes. Our commercial insurance team will:
- Read and review your policy, including its fine print
- Clarify potentially confusing insurance jargon
- Communicate with the insurance adjuster for you
- Protect you from a speedy but insufficient settlement
- Document your covered losses and their value
- Define your rights as a commercial policyholder
- Provide timely and informative updates on your claim
The sooner we get to work on your claim, the better. With more than 50 years of experience in personal injury and insurance law, we know how to keep your claim focused and on track.
Comprehensive Legal Support for Your Commercial Insurance Claim at Every Step
Resolving your claim is a multi-step process. Our commercial insurance claims lawyers serving Pasadena, TX will support you during:
- Loss documentation: As soon as possible, start collecting evidence of the damage. Take pictures and video, obtain weather reports (if applicable), and start creating a list of covered losses.
- Timely notification: Our legal team will identify the notification and filing deadlines your policy demands. We also make sure you comply with Texas law, which may also impose a statute of limitations.
- Incident documentation: Your insurer may request a Proof of Loss form. We can help you supplement it with additional evidence, including police reports, fire reports, and receipts for making vital repairs.
- Claim review: The insurance company will send an adjuster to assess the validity of your claim. They will also assess its monetary value and submit a damage estimate. We can carefully peruse the resulting estimate and fight for fair compensation.
The final step is the resolution of your claim. Our legal team will be by your side, serving as your advocate at each step.
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.
Our Pasadena Commercial Insurance Lawyers Handle a Variety of Claims
Many different incidents can lead you to file a commercial insurance claim. At Carrigan & Anderson, PLLC, we advocate for commercial property owners who sustained various types of damages. If you are ready to file a claim, our client-focused team is ready to support you. Contact one of our evaluation team members today.
Types of Damage Commercial Insurance Covers for Business Owners
According to Texas Department of Insurance (TDI) guidelines, basic commercial insurance policy coverage typically includes:
- Fire damage
- Storm damage
- Hail damage
- Lightning strikes
- Explosions
- Smoke damage
- Acts of vandalism
- Car accidents
If one of these events results in a loss, our lawyers will help you get compensation for your primary structure, outbuildings, ice, sleet, and snow.
Specialized Commercial Insurance Policies That May Offer Additional Compensation
Every insurance policy is unique and could contain exclusions and limitations that affect your right to financial recovery. Many business policies, for example, exclude compensation for flooding, ordinary wear and tear, and vermin infestation. We will carefully examine your policy for any named exclusions and provide a detailed list of commercial property damage losses covered under your policy.
- Flood insurance coverage
- Commercial auto insurance
- Crime coverage policies
- Business interruption insurance coverage
Provide us with the most recent versions of every commercial insurance policy you have and leave the rest to us. We will work diligently to help you restore your business as soon as possible.
Pasadena Commercial Insurance Claims Lawyer Near Me 361-884-4437
Protecting You from Bad Faith Insurance Claim Practices in Texas
In some cases, you might have a legitimate claim that is compromised by unfair actions from the insurance company. According to Texas Insurance Code § 542.003, bad faith tactics include:
- Knowingly denying a legitimate damage claim
- Intentionally delaying payment of your claim
- Pressuring you to agree to an unfairly low offer
- Failing to communicate with you about your claim
- Purposely misrepresenting any part of your policy
Stephen P. Carrigan is a civil trial lawyer who has been practicing law for more than 37 years. If your insurance company handles your claim in bad faith, we can help you pursue legal action to hold them accountable.
What to Do If Your Insurance Claim is Denied or the Settlement Offer is Unfair
Our commercial insurance claims attorneys serving Pasadena, TX, support business owners facing significant loss. We will also represent you in filing an appeal if your initial request was denied or the insurer’s initial offer is unacceptable.
Our attorney, David M. Anderson, represents policyholders who are faced with unwarranted delays or denials for valid claims. We will guide you at every phase of the appeals process, including taking your insurer to court, if necessary, to obtain appropriate compensation.
Representing the injured in all areas of Texas that extends back over 40 years
Let Our Pasadena Commercial Insurance Claims Lawyer Advocate for Your Fair Compensation
If your business suffered a covered loss, you do not have to deal with the stress and frustration of the insurance process without legal support. Our Pasadena commercial insurance claims lawyers will do all the hard work for you so you can focus on your business.
Learn more about how hard our law firm fights for our commercial insurance clients. Contact one of our evaluation team members at Carrigan & Anderson, PLLC today.
At Carrigan & Anderson, PLLC we can talk to you about your options and rights.
