If you endured property damage from a storm, our Houston tornado damage insurance claim lawyers can help you manage your claim and get the money you deserve. We understand the ways insurance carriers undercut payouts and reduce the money available to policyholders. Let us fight for the money you need for repairs and cleanup.
At Carrigan & Anderson, PLLC, our Houston insurance claims lawyer has helped many clients recover millions of dollars. Our firm has more than 40 years of experience managing injury and insurance law cases. Whatever your situation, we are here to help. Contact us today for a free consultation.
What Does a Tornado Damage Insurance Claim Cover in Houston, Texas?
Each property insurance policy is different. Your coverage is determined by your unique policy details, including any exclusions. However, in general, many property insurance policies will cover the following types of tornado damages:
- Structural Damage: The repairs or rebuilding costs for your home or other structure
- Personal Property Loss: Compensation for damaged or destroyed belongings, such as furniture and other items inside your home
- Additional Living Expenses: Temporary hotel rooms or an apartment rental, food, transportation costs, and other expenses if you cannot live in your home
- Debris Removal: The cost of clearing building materials and other debris after the tornado
- Repair of Other Structures: Many policies cover more than your home or primary structure, including detached garages, sheds, and fences
- Wind and Water Damage: Broken windows, holes in the roof, and other similar damage can allow rain in and cause further destruction, which may be covered by your policy
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.
Why Choose a Houston Tornado Damage Insurance Claim Attorney From Carrigan & Anderson, PLLC?
At Carrigan & Anderson, PLLC, you will connect directly with a lawyer. Our two attorneys respond to clients promptly and return calls as soon as possible. Your first point of contact with the firm is always with our lawyers. This is possible because our team dedicates themselves to their clients and the cases they handle.
When you choose our firm, you can expect us to gather all the necessary evidence to develop a compelling claim and fight for the highest compensation possible. Your attorney will spend the time necessary to build a claim that allows you to recover the money you need and deserve based on your insurance coverage.
Managing Partner David M. Anderson is an experienced Houston personal injury lawyer. He will manage your claim and stand up against even the biggest homeowner’s insurance companies. His recent settlements include a $2 million payout for a client’s hail damage repairs.
How Much Does It Cost to Hire Carrigan & Anderson, PLLC?
In the days and weeks after a tornado, we understand that many individuals and families are struggling to pay for their immediate needs. We manage every case based on contingency. We provide free initial consultations and go to work without charging anything upfront. We only get paid from the money we recover for you.
Houston Tornado Damage Lawyer Near Me 361-884-4437
Our Houston Tornado Damage Insurance Claims Lawyer Knows How Insurers Try to Reduce Payouts
It is not unusual for major insurance companies to use nefarious tactics or even illegal practices to deny or delay claims following a major storm. While there are many reasons why your insurance carrier might underpay or deny your tornado insurance claim, many could be unjustified.
Some of the reasons why you could receive less or a total refusal of payment include:
- Insurers may claim that the damage is not covered based on ambiguous language or misinterpretation of coverage types.
- They could deny the claim if there is insufficient evidence to prove that the tornado was the direct cause of the damage.
- Insurers may deny claims if they say the policyholder did not provide adequate photos, videos, or accounting of the damage.
- A late claim could lead to a denial, even if the reason for the delay is not the claimant’s fault.
- Insurers sometimes improperly apply exclusions to tornado damage.
- Some insurers claim that the damage existed before the tornado, citing issues such as wear and tear or poor maintenance.
- Policyholders must take reasonable steps to prevent further damage after the initial loss, like boarding up windows or securing the property, and insurers may claim they failed to do so.
- Insurance companies may wrongfully accuse policyholders of fraud.
- The insurer may unfairly deny or undervalue the claim if the adjuster’s damage assessment is inaccurate or incomplete.
Representing the injured in all areas of Texas that extends back over 40 years
How Can a Houston Tornado Damage Insurance Claim Attorney Help With My Claim?
If you received an unfair offer or the insurer denied your claim, you will need to appeal the decision and possibly provide additional documentation. The best option is to consult with an attorney who has experience managing these claims. Our team, led by Attorney David Anderson, is here for you.
We can manage your property damage claim from the start. If you call us after a Houston tornado, we can help you understand your coverage, document your losses, and file your claim. We will negotiate with the insurance company and fight for the maximum compensation available based on your damage and coverage.
We can also take over after you receive a denial or an unfair offer. Our Houston insurance team can file your appeal or even sue the insurance carrier for bad faith when necessary. We know how important your payout is to repairing your home and replacing your belongings. Our Houston tornado damage insurance claim attorneys handle both homeowners insurance and commercial property insurance claims.
You need a skilled advocate to protect your legal rights and present your claim in such a way as to maximize your recovery.
Discuss Your Houston Tornado Damage Claim With Our Team for Free
Carrigan & Anderson, PLLC provides free consultations for property owners who suffered damage due to tornadoes and other significant storms. Learn how our Houston tornado damage insurance claim lawyer can help you get the money you need and deserve during your initial consultation with our team. Contact us to get started.
At Carrigan & Anderson, PLLC we can talk to you about your options and rights.
