If you had the foresight to protect your home with insurance, it should be there for you when needed. Our Pasadena insurance claims lawyers can help you get the compensation you need to repair or rebuild your home. We start by listening to your version of events and scrutinizing your policy.
Your Pasadena homeowners’ insurance claims lawyer will deal with every aspect of your claim while you focus on your family. Our attorneys even respond to client texts seven days a week. So, are you struggling to get fair compensation or cope with all the moving parts of filing a claim? If so, we will advocate for you. Contact our consultation team at Carrigan & Anderson, PLLC today to learn more.
Let Our Lawyer Review Your Pasadena Homeowners’ insurance Policy in Detail
Insurance policies are complex legal documents that contain the entire agreement between you and the insurance company. They can be full of legal and insurance jargon that makes them difficult to understand.
According to the Insurance Information Institute (III), homeowners’ policies typically include specific coverage, named exclusions, and optional coverage. To understand the specifics of your policy, we examine the following:
- Description of your deductible
- Premium amount and due date
- Description of property value
- Actual and replacement value
- Description of covered losses
We also look for mandatory guidelines and timelines for filing a claim, such as required documents and evidence. Our goal is to file a complete and accurate claim on your behalf.
Texas Homeowners’ Insurance Policies Typically Cover These Risks and Events
Homeowners’ insurance is not mandatory in Texas. However, property owners who purchased it to protect their property should be able to access it when needed. When our property damage team accepts your case, we examine your policy for all the coverage it provides.
According to Texas Department of Insurance (TDI) guidelines, most homeowners’ policies cover:
- The house itself for specific types of events
- Personal property inside or outside the home
- Garages, fences, landscaping, and outbuildings
- Additional living expenses while you are displaced
This list is incomplete since you may have chosen one or more riders that provide optional coverage. If your policy covers a specific loss, we’ll help you get the necessary compensation. The best way for our team to understand your coverage is with a detailed policy assessment.
You Could Have Added Protection Via Optional Coverage or a Separate Policy
Standard homeowners’ policies do not cover flood damage. This loss requires a separate policy. Other events that could require separate coverage include:
- Windstorm and hail damage for Gulf Coast homes
- Endorsements for jewelry, fine art, and electronics
- Endorsements for mold removal and earthquakes
- Coverage for short-term rentals of your home
Bring copies of every policy you have to your homeowners’ insurance claims lawyer serving Pasadena, TX. We will examine them in detail, including the fine print.
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.
Your Homeowners’ Insurance Attorney Will Document Your Covered Losses
Creating a list of damaged property can be overwhelming after a natural disaster or other damaging event. Our Pasadena homeowners’ insurance claims lawyers will help you gather the evidence your claim requires, including:
- Photos of your home before and after the damage occurred
- Receipts for furniture, clothing, electronics, and other personal property
- Bills and invoices for boarding, tarping, or otherwise securing your home
- Weather reports related to a natural disaster that damaged your home
- Proof of Loss form, including any evidence it requires from you
We are passionate about protecting the rights of Texas property owners. Contact our consultation team at Carrigan & Anderson, PLLC today to start your free claim review.
Our Legal Team Will Help You Build a Solid Evidence File for Your Claim
Your insurance company may request specific evidence to support your claim. Examining your policy will identify any particular guidelines and help you collect the physical evidence and documents your claim needs.
The homeowners’ insurance claims attorney serving Pasadena, TX, who represents you will help you gather evidence from property damage experts, property inspectors, contractors, and subcontractors. The evidence we collect might also include official records related to the cause of your property damage. When applicable, we collect relevant police and fire department reports.
Pasadena Homeowners Insurance Claims Lawyer Near Me 361-884-4437
Let Your Lawyer Deal With the Homeowners’ Insurance Company in Pasadena
Whether one insurance policy or multiple policies protect your home, our legal team handles all the moving parts of filing a claim. To support your claim, your homeowners’ insurance attorney will:
- Clarify all notification and filing deadlines
- Submit completed insurance claim forms
- Document covered losses per your policy
- Communicate with the adjuster for you
- Assess the value of your property damage
- Protect you from bad faith insurance tactics
You do not have to fight for compensation for your damaged property without support. We are by your side as you navigate each step of the insurance claims process—from initial filing to settlement negotiations.
Carrigan & Anderson, PLLC Will Appeal a Lowball Offer or a Denied Claim
Did your insurer deny your initial homeowners’ claim? You might be hard-pressed to know what your next steps are. Receiving an unreasonably low settlement offer can be just as stressful and frustrating. However, you do not have to accept either result without a fight.
Our results-driven legal team will:
- File an appeal with additional supporting evidence and documents
- Get accurate estimates for the costs of repairing your property
- Fight hard for the maximum value of your insurance coverage
We also clarify any misunderstandings or administrative errors that may have led to the denial of your claim or an insufficient valuation of your repair or replacement costs.
Representing the injured in all areas of Texas that extends back over 40 years
Get Help Obtaining Homeowners’ Insurance Compensation in Pasadena
If your home sustained damage or was destroyed by an event covered in your policy, our law firm will help you file a comprehensive claim. Our Pasadena homeowners’ insurance claims lawyers will also help you appeal a claim denial or an insufficient settlement offer.
Learn more about how hard we work for Pasadena homeowners just like you. Contact our consultation team at Carrigan & Anderson, PLLC to get started today.
At Carrigan & Anderson, PLLC we can talk to you about your options and rights.
