Insurance Claims Lawyer in Portland

Life can change in an instant. Whether from a storm, fire, or another disaster, property damage often strikes without warning, leaving homeowners and business owners unsure of where to turn. Hiring an experienced Portland insurance claims lawyer is the best way to ensure the insurance company pays what they owe.

If your insurance company is delaying, underpaying, or outright denying your property damage claim, you don’t have to face the process alone.

The experienced team at Carrigan & Anderson, PLLC, is here to help. With over a century of combined legal experience, our Portland personal injury lawyers can help. Reach out by phone or online to schedule your free consultation today.

You Have the Right to Hire a Lawyer in Portland

Many homeowners don’t realize they can hire an attorney when their insurance company fails to act fairly. If your insurer delays your claim, refuses full payment, or undervalues your losses, you have the legal right to seek representation. 

A Portland insurance claims lawyer can help you enforce your policy and recover the full amount you’re owed under Texas law.

Why File Your Claim Before Calling a Lawyer?

If you haven’t filed your insurance claim, that’s the first step. Your insurance company must have the opportunity to assess and pay your claim before legal action can begin. Once you’ve filed, our team can step in if:

• Your insurer delays the process
• You receive a low offer that doesn’t cover your losses
• Your claim is denied without proper cause

We encourage transparency and ethics in everything we do. If your insurer does the right thing, you’ll know. If not, we’re ready to step in and fight for you.

Portland Insurance Claims Lawyer Near Me 361-884-4433

Types of Property Insurance Claims We Handle

Our law firm proudly represents clients throughout Portland, Texas, and the surrounding Coastal Bend area in a wide range of property insurance disputes. Whether you’re filing a claim for your home, business, or investment property, our team is equipped to guide you through every stage of the insurance recovery process.

Storm and Wind Damage

Texas is no stranger to extreme weather, and the Gulf Coast is especially vulnerable. High winds, lightning, and hail can cause extensive structural damage, topple trees, or tear off roofs. Even relatively brief storms can leave behind thousands of dollars in damage. 

Our lawyers work to ensure your insurer honors the terms of your policy and pays you what you deserve for storm-related losses.

Hurricane and Tornado Damage

Portland and the surrounding coastal communities regularly face the threat of hurricanes and tropical storms. These powerful systems can destroy homes, flood neighborhoods, and cripple businesses for months. 

Tornadoes, though less frequent, can cause equally catastrophic destruction in seconds. Insurance companies often dispute the source or extent of hurricane and wind damage, citing exclusions or depreciation formulas that unfairly reduce payouts. Our attorneys know how to counter these tactics and fight for your full recovery.

Fire and Smoke Damage

A single spark can turn into a devastating fire that consumes everything in its path. Whether caused by electrical failure, lightning, or another source, fire and smoke can cause widespread structural and personal property loss. 

In many cases, insurers attempt to limit compensation or question the cause of the fire. Our firm works with fire investigators, engineers, and restoration experts to document the full scope of your losses and pursue fair compensation.

Water and Flood Damage

Water damage can stem from a burst pipe, leaking appliance, storm runoff, or a broken roof. Even a small amount of water can ruin flooring, drywall, and electrical systems, and lingering moisture can lead to mold growth, creating health hazards and further structural decay. 

While some water damage is covered by standard property insurance, flood-related losses often require special coverage. Our team helps you determine the best path to compensation and ensures your insurer doesn’t wrongfully deny or minimize your claim.

No Out-of-Pocket Costs for Policyholders

At Carrigan & Anderson, PLLC, there is no financial risk to hiring us.

• Free consultations: We review your situation at no charge.
  
• No upfront fees: You pay nothing out of pocket for us to take your case.
• No fees unless we win: Our representation is contingency-based, meaning we only collect if we successfully recover money for you.
  
• Attorney’s fees are recoverable: Under Texas law, we can often recover attorney’s fees in addition to your claim payout.

That means our fee doesn’t come out of what you’re owed; it’s added on top of it. You keep the full amount necessary to repair or replace your property.

When it comes to hail and property damage cases, hiring our firm can only help you recover more from your insurance company, never less.

How a Property Insurance Claims Lawyer Serving Portland, TX Can Help

People invest in insurance meant to protect their financial stability when the unexpected happens. Unfortunately, even with coverage, recovering the compensation you are rightfully owed is often far from simple. Insurance providers are businesses with a financial incentive to limit payouts whenever possible. 

Many policyholders find themselves frustrated when adjusters undervalue repairs, delay responses, or deny claims altogether.  That’s where an experienced property insurance claims attorney in Portland can make the difference. 

When you hire a Portland property insurance claims attorney from our firm, we will take immediate action to protect your rights and maximize your compensation. We:

• Review and interpret your policy: Insurance contracts are full of technical language and exclusions that can be confusing. We’ll break down your policy, explain your coverage, and identify every potential source of recovery.
• Communicate directly with the insurer: Once we take your case, we handle all communications with your insurance company. Our attorneys ensure deadlines are met, responses are prompt, and your rights are not compromised.
• Investigate and document your losses: We work with engineers, appraisers, and other professionals to conduct independent evaluations of your property damage, helping ensure that every repair and replacement cost is properly included in your claim.
• Negotiate for full compensation: We aggressively pursue fair settlements that reflect the real cost of repairing or rebuilding your property, not just the number your insurance company wants to pay.
• Litigate when necessary: If your insurer refuses to make a fair offer or acts in bad faith, we are prepared to take your case to court and fight for a verdict in your favor.

Standing Up to Bad Faith Insurance Practices

Unfortunately, not all insurance companies act in good faith. Some use deceptive or unlawful tactics to avoid paying valid claims, such as misrepresenting policy terms, ignoring evidence, or delaying payment without justification. These are known as bad faith insurance practices, and Texas law prohibits them.

Our attorneys have extensive experience holding insurers accountable for such misconduct. If your claim was unfairly denied, delayed, or undervalued, we can investigate the company’s actions and determine whether they violated state or federal law. If so, we will pursue every available remedy, including additional compensatory damages beyond your original claim.

Why Choose Carrigan & Anderson, PLLC?

At our firm, we understand how overwhelming property damage can be and the struggle many claimants face in battling their insurance companies. Our firm has recovered millions in insurance claims, and our results reflect our unwavering commitment to justice.

We combine local insight with deep legal knowledge of Texas insurance law to help clients throughout Portland rebuild their lives after loss. From the moment you contact us, you can count on honest communication, strategic advocacy, and relentless representation.

Local Representation You Can Trust

After major storms, law firms and contractors often flood into the Coastal Bend from all over Texas. We are the only local law firm with a proven history of handling property insurance claims right here in Portland.

• We know the local judges and courts.
• We’ve tried cases in these communities.
• We live and work here, just across the bridge.

You deserve advocates who understand your community, not firms that commute in from hundreds of miles away.

Other Types of Insurance Claims We Handle

While much of our work focuses on property damage and storm-related claims, Carrigan & Anderson, PLLC, also represents clients in a variety of other insurance disputes, including:

• Commercial property insurance claims: Helping business owners recover for losses caused by fires, storms, or other disasters.
• Auto insurance claims: Representing policyholders when coverage is denied or underpaid after accidents or vehicle damage.
• Health insurance claim disputes: Challenging wrongful denials or delays in payment for covered treatments or medical services.
• Bad faith insurance cases: Holding insurers accountable when they fail to meet their legal obligations to policyholders.

No matter what type of insurance issue you’re facing, our firm can help ensure your insurer acts in good faith and provides the coverage you’ve paid for.

Contact a Property Insurance Claims Attorney in Portland Today

When disaster strikes, your focus should be on recovery, not on fighting with your insurance company. Let the Portland property insurance claims lawyers at Carrigan & Anderson, PLLC, handle the legal challenges while you concentrate on getting your life and property back on track.

Our firm believes in doing what’s right for every client. We never take a percentage of money the insurance company pays voluntarily before you hire us.

We only get involved when the insurer fails to honor its obligations. That’s the ethical standard we live by, and it’s another thing that sets Carrigan & Anderson, PLLC, apart from other firms rushing in after every storm.

Call us today or fill out our online contact form to schedule a free case review. We’re ready to help you pursue the full value of your insurance claim and hold your insurer accountable. Whatever your situation, we are here for you.