While Sugar Land, Texas, is far enough from the Gulf Coast that it doesn’t often take the full brunt of a hurricane, the area has still been known to suffer significant damage when a big storm rolls through. One recent example is Hurricane Beryl, which damaged the roof of Sugar Land City Hall and many other properties with 80-mile-per-hour winds in July 2024.
While no one knows when or how the next hurricane will affect the Sugar Land area, our Sugar Land insurance claims lawyers at Carrigan & Anderson, PLLC, will be here to protect property owners from deceptive insurance companies that prey on innocent victims by denying or devaluing valid claims. Our Sugar Land hurricane damage claim lawyers have over three decades of experience in insurance law and will put our knowledge and negotiating skills to work for you.
Contact us today for a free consultation.
Our Sugar Land Hurricane Damage Claim Attorneys Will Fight for a Fair Insurance Settlement
The purpose of home or business insurance is to protect property owners from devastating financial losses when events out of their control occur, including natural disasters like hurricanes. However, insurance companies are often focused more on profitability than paying out claims fairly.
If you’re tired of fighting to get your claim approved and want someone to lift the burden off your shoulders, turn to our Sugar Land hurricane damage insurance claim lawyers at Carrigan & Anderson, PLLC. We will:
- Be transparent and honest with you from start to finish
- Respond promptly to your questions and concerns
- Provide personalized attention to your claim
- Connect you directly with a lawyer instead of forcing you to communicate through a secretary
- Gather evidence of your hurricane-related losses
- Negotiate with the insurance adjuster on your behalf for a fair settlement
We aren’t afraid of taking on even the largest insurance companies, such as Liberty Mutual, Nationwide, State Farm, Travelers, and Allstate. We have an extensive track record of success in insurance negotiations because these companies know we mean business and won’t allow our clients to be bullied or intimidated into accepting claim denials or lowball settlements.
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.
Hurricane-Related Damages Covered By Homeowners or Commercial Insurance
According to the Texas Department of Insurance, as long as you do not live in a designated catastrophe area on the Gulf Coast, your homeowners insurance or commercial insurance should cover any wind damage associated with a hurricane, such as ripped-off roof shingles, damaged siding, or broken doors and windows.
However, your standard home or business insurance policy likely will not cover flooding—you will need a separate flood insurance policy to cover the flood-related damage from a hurricane.
Each insurance policy is unique. If you are having trouble understanding exactly what your policy covers and what compensation you qualify for, a Sugar Land homeowners insurance claims lawyer or Sugar Land commercial insurance claims lawyer from our team can review your policies and explain your options. Contact Carrigan & Anderson, PLLC, today to get started.
Sugar Land Hurricane Damage Lawyer Near Me 361-884-4433
What Should You Do if Your Insurance Company Denies Your Hurricane Damage Claim?
Unfortunately, many home and business owners who file hurricane damage claims receive denials. Common reasons insurers give for hurricane claim denials include:
- The damage existed before the hurricane.
- You didn’t take adequate steps to prevent or mitigate the damage.
- You didn’t provide enough documentation to prove the damage.
- Your policy has lapsed due to non-payment.
- You didn’t file your claim before the deadline outlined in your policy.
When you turn to Carrigan & Anderson, PLLC, we will evaluate the reason for your claim denial, gather evidence to counteract the insurer’s reasoning, and help you file an appeal. In some situations, claim denials are valid, but in others, insurance companies deny valid claims simply to avoid losing money. This is not only dishonest, but it is also illegal.
Thanks to our extensive experience, our Sugar Land hurricane damage insurance lawyers know how to recognize bad faith insurance practices, such as:
- Misrepresenting your policy
- Failing to acknowledge your claim
- Failing to investigate your claim promptly
- Refusing to negotiate
- Making an unreasonably low settlement offer
We won’t let your insurance company get away with any of these bad faith practices. Your Sugar Land hurricane damage attorney will file a bad faith lawsuit if necessary to secure fair compensation and hold your insurance company accountable for its unlawful actions.
Representing the injured in all areas of Texas that extends back over 40 years
Important Deadlines Associated with Your Hurricane Damage Claim
According to the Texas Department of Insurance, you should be aware of several deadlines associated with your hurricane damage claim. Some fall directly on claimants’ shoulders, while others apply to insurance companies.
The Deadline to File a Hurricane Damage Insurance Claim
The deadline to file your claim will vary depending on your insurance carrier and the policy you purchased. We recommend filing your claim as soon as possible to avoid potential issues.
Deadlines for Processing Your Claim
According to the Texas Prompt Payment of Claims Act, your insurance company must acknowledge receipt of your claim within 15 days, accept or reject your claim within 15 business days of receiving all necessary information, and pay your claim within five business days of approval.
Some exceptions apply, such as extended deadlines for claims associated with the Texas Windstorm Insurance Association (TWIA).
In general, any deviation from these legal deadlines without proper approval or acknowledgment may qualify you to take legal action.
The Bad Faith Insurance Lawsuit Statute of Limitations
If applicable, you generally have two years to file a bad faith insurance lawsuit against your commercial or homeowners insurance company, per Texas Insurance Code § 541.162.
You need a skilled advocate to protect your legal rights and present your claim in such a way as to maximize your recovery.
Our Sugar Land Hurricane Damage Claim Lawyers are Here to Assist You
You don’t have to deal with a frustrating hurricane damage claim alone—our team at Carrigan & Anderson, PLLC, is here to walk you through the process step by step and defend your legal rights along the way. We will spend as much time as necessary to get you the results you deserve.
To learn more about how our Sugar Land hurricane damage claim attorneys can help you during this challenging time, contact us today for a free initial consultation.
At Carrigan & Anderson, PLLC we can talk to you about your options and rights.
