Residents and business owners in Pasadena, Texas, have experienced several serious hurricanes in the last few decades, including Hurricane Ike, Hurricane Harvey, and Hurricane Beryl. Because of its proximity to the Gulf Coast, Pasadena is at high risk of experiencing these serious storms, and no one knows exactly when the next one will hit.
Whether we’re lucky enough to avoid serious hurricanes for a few years or the next one makes landfall soon, our Pasadena insurance claims lawyers will be there to help local residents get the compensation they need to repair and rebuild their properties. Our Pasadena hurricane damage claim lawyers have recovered millions of dollars for our clients, and we can help you, too. Contact Carrigan & Anderson, PLLC, today for a free consultation.
Our Pasadena Hurricane Damage Claim Attorneys Are Here to Get You the Compensation You Need
Hurricanes often result in flooding, roof damage, structural damage, and long-term power outages. When your home or business is damaged or destroyed by one of these severe weather events, you should be able to rely on your insurance policy to provide the money you need to make all necessary repairs or rebuild from scratch. However, getting that money is often easier said than done.
That’s where our Pasadena hurricane damage insurance claim lawyers come in. At Carrigan & Anderson, PLLC, we are a relatively small law firm, which allows us to dedicate ourselves fully to each case and provide personalized attention to each client.
However, our small size doesn’t keep us from taking on big insurance companies like State Farm, Allstate, Liberty Mutual, Nationwide, Travelers, or USAA. If you are facing any opposition with your homeowners or business insurance claim after a hurricane or other severe storm, we can step in and fight for your rights.
Our Pasadena Hurricane Damage Lawyers Are Dedicated to Securing the Compensation You Deserve
David M. Anderson, managing partner at Carrigan & Anderson, PLLC, has extensive experience in insurance law. He has represented many policyholders who have fallen victim to the bad faith practices of unscrupulous insurance companies, and he has a solid track record of successfully fighting back and securing the compensation our clients deserve.
Our case results include a $2 million settlement for hurricane damage and a $2 million settlement for hail damage. While we cannot guarantee a similar result for your storm damage claim, we promise to fight for every penny you need and deserve.
We won’t sit back and let a dishonest or deceptive insurance adjuster take advantage of you. We recognize the tactics insurers use to try to trick claimants into accepting inadequate settlements or dropping their claims, and we won’t let that happen to you.
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.
Types of Hurricane Damage Typically Covered by Homeowners Insurance
According to the Texas Department of Insurance, homeowners living on or near the Gulf Coast, including those in Pasadena, generally require separate windstorm insurance and flood insurance policies to cover hurricane damage. These damages are typically not included in a basic homeowners policy.
With a standard homeowners insurance policy, windstorm policy, and flood policy, you likely have coverage for the following types of damage:
- Wind damage
- Structural damage to your roof or other parts of your home
- Hail damage
- Flood damage
- Damage to your personal property inside the home, including appliances, furniture, clothing, etc.
- Costs of temporary repairs, such as roof tarping or boarding up windows
- Additional living expenses if you must relocate while repairs are completed
Each policy is unique, so we recommend reading yours thoroughly to understand exactly what it does and does not cover. If you’re unsure what coverage you qualify for, a Pasadena homeowners’ insurance claims lawyer can review your policy and explain your options.
Will Commercial Insurance Cover Hurricane Damage to Your Business?
Just like homeowners, business owners in the Pasadena area generally must purchase additional windstorm and flood insurance policies to cover commercial hurricane damage because these damages are not included in standard commercial insurance policies. Commercial insurance generally also includes coverage for business interruption expenses if you must close your company temporarily.
If you’re having a hard time getting the coverage you believe you deserve for your business, a Pasadena commercial insurance claims lawyer from our team can help you. Contact Carrigan & Anderson, PLLC, today to learn more.
Pasadena Hurricane Damage Lawyer Near Me 361-884-4433
Can I Handle My Pasadena Hurricane Damage Claim Myself?
You can try to handle your claim alone, but we don’t recommend it, especially if you encounter a claim denial, unnecessary delay, lowball settlement offer, or bad faith practices.
A hurricane damage claim lawyer can make the process easier for you in several ways, including:
- Reviewing your insurance policies to clarify what coverage you qualify for
- Documenting your damages with photos, videos, and repair estimates
- Negotiating with the insurance company on your behalf
- Taking legal action against your insurer if you encounter bad faith tactics, such as failing to acknowledge your claim or refusing to negotiate
You don’t have to bear this difficult burden alone. Our Pasadena hurricane damage insurance claim attorneys will handle your claim from start to finish while you focus on relocating your family or business and ensuring your safety.
Representing the injured in all areas of Texas that extends back over 40 years
How Long Will it Take to Resolve My Hurricane Damage Claim?
According to the Texas Prompt Payment of Claims Act, your insurance provider generally has 15 days to confirm that it received your claim. Once the adjuster has received all necessary information from you, they have 15 business days to complete their investigation and either accept or deny your claim. If they approve your claim, the insurer has five business days to send your payment.
Some exceptions exist. For example, the Texas Windstorm Insurance Association (TWIA) generally gets 60 days to accept or deny a claim. After receiving all the needed information and approving your claim, you should receive your payment within 10 days.
If you experience any unwarranted delays in your claim, your hurricane damage lawyer can explain your options.
You need a skilled advocate to protect your legal rights and present your claim in such a way as to maximize your recovery.
Get Started on Your Hurricane Damage Claim Today
Our Pasadena hurricane damage claim lawyers at Carrigan & Anderson, PLLC, will spend as much time as necessary on your claim to secure the compensation you deserve. To get started on your claim with a free initial consultation, contact us today.
At Carrigan & Anderson, PLLC we can talk to you about your options and rights.
