While Hurricane Beryl was a Category 1 hurricane when it hit Texas, it did cause damage in Galveston with winds at 50mph and heavy rainfall.
As a barrier island, many hurricanes hit our city, affecting our daily lives and damaging our properties. When we are hit, our Galveston hurricane damage claim lawyers can be there to help local residents get fair compensation from their insurance companies to pick up the pieces and rebuild.
At Carrigan & Anderson, PLLC, our Galveston insurance claims lawyers have recovered millions of dollars in settlements for hurricane damage victims in Texas. We will work hard to get the results you need and deserve.
Contact our legal team today for a free initial consultation.
Our Galveston Hurricane Damage Claim Attorneys Aren’t Afraid of Taking on Big Insurance Companies
Over the last 175 years, over 100 hurricanes, tropical storms, and tropical depressions have made landfall in Texas, causing billions of dollars in property damage.
If you are a victim of one of these destructive storms, our Galveston hurricane damage insurance claim attorneys can handle your claim while you focus on relocating your family and caring for each other.
Our law firm focuses on:
- Communication: Your first point of contact will be your Galveston hurricane damage insurance claim lawyer, not a secretary. When you reach out to us with questions, you’ll receive a quick reply. We believe in full transparency from start to finish.
- Personalized attention: We are a smaller law firm, allowing us to dedicate ourselves completely to each case and provide individualized care to each client.
- Maximizing your recovery: We are dedicated to getting our clients the highest compensation possible, even if that means going to court to fight for your rights.
Managing Partner David M. Anderson has extensive experience in negotiating with big insurance companies like Allstate, State Farm, Liberty Mutual, and others.
He and the rest of our team will not give up until you get the compensation you deserve for your losses. Whatever your situation, we are here for you.
Contact Carrigan & Anderson, PLLC, today to get started on your claim.
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 Types of Hurricane Damage Does Home Insurance Cover?
According to the Texas Department of Insurance (TDI), most homeowners insurance policies in Texas cover:
- The primary structure of your home
- Detached garages, barns, sheds, guest houses, fences, and outdoor kitchens
- Personal belongings inside the home, such as furniture, electronics, and clothing
- Additional living expenses associated with relocating your family if you cannot stay in your home
Homes on the Texas coast, including those in Galveston County, are in a “designated catastrophe area,” meaning they must have a separate windstorm insurance policy to cover damage caused by hurricanes. Separate flood insurance may also be necessary.
After a severe storm, a Galveston homeowners insurance claim lawyer can evaluate your policies to determine what coverage you qualify for.
Commercial Insurance Coverage for Hurricane Damage
If you have a business in the Galveston area, it is also susceptible to damage in a hurricane. According to the TDI, commercial property insurance policies often cover:
- Damage to the building
- Damage to business property
- A portion of lost income if your business cannot operate
Just like homeowners, business owners on the Gulf Coast must generally purchase separate windstorm and flood insurance policies to cover damage caused by hurricanes.
If you’re struggling to get the coverage you deserve, a Galveston commercial insurance claim lawyer from our team can review your policy and explain your options.
Galveston Hurricane Damage Lawyer Near Me 361-884-4437
What to Do if the Insurance Company Denies Your Hurricane Damage Claim
Our Galveston bad faith insurance claim attorneys have learned throughout our 40+ years of experience that insurance companies often try to find any possible excuse or loophole to deny claims, even if they are valid. Per Texas Insurance Code § 541.060, bad faith insurance actions include:
- Misrepresenting the policy
- Providing false information
- Refusing to settle a claim in good faith
- Delaying a claim unnecessarily
- Denying a claim without a thorough investigation
We consider it a privilege to stand up to insurers who use underhanded or illegal practices to deny or undervalue valid property insurance claims.
If you are struggling to get the coverage you deserve after a hurricane or other severe storm, a Galveston storm damage claim lawyer from our team can help you by:
- Gathering evidence of the damage your property experienced
- Thoroughly reading your insurance policy to understand your coverage
- Helping you file a complete and accurate claim
- Negotiating with the insurance adjuster on your behalf
- Ensuring the insurance company understands you will not tolerate unfair treatment and will not back down until you receive the compensation you deserve
- Helping you file a bad faith insurance lawsuit, if necessary
Representing the injured in all areas of Texas that extends back over 40 years
Preparing for the Next Big Hurricane in Galveston
The Galveston area is no stranger to hurricanes. While the most destructive storm to hit the area occurred in 1900, other more recent storms have also impacted the area, such as Hurricane Ike in 2008 and Hurricane Rita in 2005. However, those who are newer to the area are largely unfamiliar with the destruction these storms can cause.
With the unpredictability of these weather patterns, it’s hard to know when the next severe storm will hit Galveston, and residents should be prepared for the worst.
Here are a few tips to ensure your family is prepared for the next hurricane in the Galveston area:
- Ensure you have proper insurance coverage for hurricane damage, such as windstorm and flood policies. Waiting periods often apply, so you must secure this coverage before a hurricane develops in the Gulf of Mexico.
- Prepare an emergency kit with the necessary supplies you may need if a hurricane strikes, such as medicine, food, water, clothing, flashlights, and crucial documents.
- Perform research to determine the best routes for evacuation and getting to potential shelters.
- If a storm is on the horizon, clear everything out of your yard, cover your windows and doors, turn off your home’s utilities, and get your car ready for evacuation.
You need a skilled advocate to protect your legal rights and present your claim in such a way as to maximize your recovery.
Let Our Galveston Hurricane Damage Claim Lawyers Help You Today
If you need help with a hurricane insurance claim, our team at Carrigan & Anderson, PLLC, is here for you. Our Galveston hurricane damage claim attorneys know how to gather evidence and prove the validity of your claim.
You likely face a deadline to file your hurricane damage claim, so please contact us as soon as possible after the storm for a free consultation.
At Carrigan & Anderson, PLLC we can talk to you about your options and rights.
