Our Victoria tornado damage insurance claim lawyer can help you manage your claim and seek the maximum payout available based on your damage and policy coverage. We will review your policy, build your claim, and submit supporting documentation. We can also help after a lowball offer, disagreement, or denial.
At Carrigan & Anderson, PLLC, our Victoria insurance claims lawyer is here to help. Our team has 40+ years of experience securing payouts for clients. This includes a recent $2 million settlement for hail damage.
Contact us today to learn more during a free consultation.
Trust Our Team With Your Victoria, TX, Tornado Damage Insurance Claim
At Carrigan & Anderson, PLLC, our Victoria personal injury lawyer, David M. Anderson, represents policyholders and claimants who need help securing the money they deserve based on the insurance coverage available.
When you contact our team, you connect directly to one of our lawyers. If you need to leave a message, you can expect a quick reply and the personalized attention you want and deserve. You can count on our attorneys to work hard to get the maximum compensation available in your case. To this end, our team will:
- Review your policy and coverage
- Gather all the necessary evidence
- Build a strong claim
- Demand fair compensation from the insurance company
- Negotiate to get the payout you deserve
With our attorney on your side, you can trust us to stand up against the insurance company and fight for justice. We will not back down from the biggest insurance companies, including Allstate or State Farm. We know the underhanded and illegal tactics insurers often use to deny and delay claims, and we will fight back.
We are a contingency fee firm. We will not ask you to pay for your initial consultation with our team or cover any other fees or costs upfront. We collect our fees from the money we recover for you, never from your own pocket.
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.
Damages Our Victoria Tornado Damage Insurance Claim Attorney May Be Able to Recover for You
Our Victoria insurance claim lawyers handle both homeowners insurance claims and damage claims for commercial properties. Each of these policy types has standard coverage and exceptions, although each policy is also unique and could have details that differ from the norm.
Typically, when it comes to tornadoes and strong storms, policy coverage could include:
- Damage to the structure of the home or business
- Personal property damage, such as furniture, electronics, and clothing
- Damage to detached structures, including garages and sheds
- Temporary rent or other accommodations, known as loss of use
- Additional living expenses if your home is uninhabitable
- Debris removal
- Wind damage (if there is wind damage coverage)
- Roof damage
- Water damage caused by wind or roof damage (not flooding)
Some exclusions that could be present in your policy include:
- Flood damage
- Mudslides
- Negligence or failure to prevent further damage
- Pre-existing damage
- Intentional damage or vandalism
Victoria Tornado Damage Lawyer Near Me 361-884-4437
Our Victoria Tornado Damage Insurance Claim Lawyer Understands the Excuses Insurers Use to Deny Claims
Insurance carriers want to pay policyholders as little as possible to close each claim. This is often evident following a serious storm or another major event where many people are filing claims at the same time. Our attorney can assess your coverage and determine whether or not you have a valid claim.
We can help you fight for the money you deserve, including documenting your damages, appealing denials, and suing the insurance company for bad faith if necessary.
Some of the reasons why your insurance company might unfairly deny or underpay your tornado damage claim include:
- Intentional misapplication of your policy terms, such as claiming damage occurred because of an excluded cause
- Insufficient evidence of tornado damage
- Inaccurate or incomplete damage assessment
- Biased adjuster making the damage assessment
- Failure to meet the filing deadline (due to factors beyond the claimant’s control)
- Disputing the cause of the damage
- Claiming there was pre-existing damage or the damage occurred from wear and tear
- Denying the claim because of incomplete or inadequate documentation
- Allegations of fraud or misrepresentation
What Is Bad Faith?
Insurance bad faith occurs when the insurer acts dishonestly. Some ways this can occur during a tornado insurance claim include:
- Unjustly Denying Claims: The insurer refuses to pay for tornado damage without a valid reason or acts nefariously to avoid payment.
- Delaying Payment: The insurance company unnecessarily delays the claims process or fails to pay in a timely manner.
- Underpaying Claims: The insurer offers a lowball settlement amount despite the policy covering the damage.
- Failing to Investigate: The insurer does not conduct a thorough investigation of the claim. This could include ignoring evidence of damage or improperly assessing the damage.
- Misleading the Policyholder: The insurer provides false or intentionally confusing information to the policyholder about their coverage.
- Refusing to Settle in Good Faith: The insurer refuses to settle a claim or work toward a fair resolution.
When an insurance company engages in bad faith practices, you may have legal grounds to pursue a lawsuit. The payout in these lawsuits includes both the expected coverage and damages beyond the policy limits. Our attorney can assess your options to determine if you may have a valid bad-faith case.
Representing the injured in all areas of Texas that extends back over 40 years
When Should I Call a Victoria Tornado Damage Insurance Claim Lawyer About My Tornado Damage Claim?
As soon as you recognize you are having issues getting a fair payout on your own, reach out to our team about your claim. We can handle these claims from the start or step in only once you receive a lowball offer, delay, or denial. We can take steps that include:
- Providing additional support for your claim
- Documenting your damages
- Appealing a denial
- Filing a bad faith lawsuit
- Representing your best interests throughout this process
Let our Victoria tornado damage insurance claim attorney fight for the money you need and deserve after a significant storm. We are here to help you when you need us.
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 Claim With Our Victoria, TX, Insurance Claim Legal Team
Carrigan & Anderson, PLLC, provides free, confidential consultations for property owners who need help getting the money necessary to recover after a tornado or another serious storm. Learn how our Victoria tornado damage insurance claim attorney can help you. Contact us now to get started.
At Carrigan & Anderson, PLLC we can talk to you about your options and rights.
