After a natural disaster damages your home, you might need help to get your claim heard, as other homeowners in your area also fight for compensation. When our Pearland insurance claims lawyers handle your property damage claim, we fight hard for the compensation you deserve. We bring more than 40 years of experience in personal injury and insurance law to your claim.
Whether a fire, theft, or other covered event damaged your residence, you do not have to take on the insurance company alone. Your Pearland homeowners’ insurance claims lawyer will deal with the adjuster and fight for the maximum possible settlement. Contact our Carrigan & Anderson, PLLC homeowners’ insurance team today to learn more about filing your claim.
Get a Comprehensive Review of Your Pearland Homeowners’ Insurance Policy
According to the Texas Department of Insurance (TDI), most homeowners’ insurance policies contain these basic levels of coverage:
- The primary dwelling
- Additional structures
- Your personal property
- Temporary living expenses
Coverage can also include boarding and securing your home, personal liability, and medical care if someone is injured on your property. Our homeowners’ insurance claims lawyers serving Pearland, TX, will examine your policy, including addendums, policy limitations, and claim filing procedures.
Commonly Reported Property Damage for Pearland, Texas, Homeowners
Your Pearland home is likely to be your single largest purchase or investment. The majority of claims involve property damage caused by the following events:
- Wind and hail damage
- Water damage
- Hurricane damage
- Tornado damage
- Fire damage
- Vandalism and theft
- Liability claims
If you have a claim for one of these events, we will help you navigate the process of filing a claim. Your policy will have specific guidelines, and our Pearland homeowners’ insurance claims lawyer will clarify Texas’ guidelines and the insurer’s obligations. We also describe and protect your rights spelled out in the TDI’s Homeowners’ Bill of Rights.
Explore Protection Provided by Optional Coverage and Additional Policies
Homeowners’ policies do not cover every event, risk, or threat to your home. However, if you select options that provide extra protection, we will help you tap into them.
Some homeowners cover their investments with separate policies, such as flood insurance. So, while we examine your primary policy, we will also identify any options and additional policies that could cover your property damage. Our goal is to obtain all the compensation you are entitled to receive, allowing you to start putting your life back together after a devastating event.
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.
Know What Your Homeowners’ Insurance Policy Says About Covered Losses
Your homeowners’ insurance only covers specifically named losses, so understanding what your policy says is crucial to getting compensated. While you could attempt to resolve your property damage claim alone, when you hire our law firm to represent you, we will take on all the legwork.
We also help with complicated cases that might frustrate anyone to handle without an experienced insurance claims attorney, such as:
- When your home was completely demolished
- When the insurer is inundated with similar claims
- When you have more than one insurance policy
- When the adjuster questions your role in causing damage
Our homeowners’ insurance claims lawyer serving Pearland is on your side. Contact our consultation team at Carrigan & Anderson, PLLC to start fighting for your financial recovery today.
Your Attorney Will Build a Compelling Insurance Claim and Evidence File
The insurance company will want proof of the damages requested in your claim. Our team will determine their evidence requirements and help you document the damage to your home with the following:
- Before and after photos of your home from various angles
- Photos and receipts for damaged property
- A video walkthrough of your home with narration, if possible
- Evidence and reports of the event that caused your damages
Your homeowners’ insurance claims attorney serving Pearland will collect your evidence and submit it to the insurance company. We will also accompany your evidence file with an accurate claim, prepared and filed according to your policy’s requirements.
Pearland Homeowners Insurance Claims Lawyer Near Me 361-884-4437
Your Lawyer Will Deal With the Pearland Homeowners’ Insurance Company
Any event that substantially damages your home can lead to costly and extensive restoration bills. Temporarily relocating your family while your home is repaired or rebuilt will add to your expenses. You should be able to count on your insurance company for compensation.
Our law firm will handle insurance matters and advocate for you. We will:
- Complete and submit your Proof of Loss form
- Document the post-event condition of your home
- Submit photos, evidence, receipts, and estimates
- Handle all communication with the insurance adjuster
- Protect you from bad faith insurance practices
- Negotiate a fair and appropriate monetary settlement
The insurance company must meet certain obligations, and we work hard to hold it accountable. We also ensure you meet all deadlines and evidence and information requests so that your insurer fulfills its obligations.
You do Not Have to Accept an Inadequate Settlement or Denial Without a Fight
Not every homeowners’ insurance claim is promptly investigated, assessed, and paid out. We represent homeowners faced with an insurance company that delays or denies valid claims.
Some commonly reported reasons insurance companies deny property damage claims include:
- Insufficient evidence to support a claim
- Failing to meet the filing deadline
- You did not pay your required deductible
- The insurer alleges the damage is intentional
If the adjuster denies your property damage claim, we will review your denial letter and file an effective appeal. We will take similar action if your proposed settlement is lower than you deserve.
Representing the injured in all areas of Texas that extends back over 40 years
Get Legal Support for Your Pearland Homeowner’s Insurance Claim
If a covered event damaged or destroyed your home in Pearland, TX, Carrigan & Anderson, PLLC will help you get compensation from your insurance company. Our Pearland homeowners’ insurance claims lawyers will fight lowball offers or denied claims and help you get the money you need.
You have rights as a Texas homeowner. Contact our consultation team at Carrigan & Anderson, PLLC today to start fighting for fair and appropriate compensation.
At Carrigan & Anderson, PLLC we can talk to you about your options and rights.
