Are you a Texas property owner who’s recently experienced damage to your property? Maybe your home has been damaged by a natural disaster or a burst pipe, and you’re feeling overwhelmed by the insurance claims process.
Filing a property insurance claim can be daunting, especially if you’re not familiar with the intricacies of your insurance policy. Fortunately, a Texas property insurance claim lawyer can help. You can work with Texas personal injury attorneys partnered with Carrigan & Anderson to discuss how you can appeal a denied claim or bring a lawsuit against an unresponsive provider.
Understanding Your Insurance Policy
If you want to take action against a property insurance provider after that provider denies your property insurance claim, you need to understand your insurance policy. Your policy outlines what coverage a provider offers you, the nature of your deductibles, and what exclusions could impact your claim.
For example, common exclusions in property insurance policies include damage caused by floods, earthquakes, and acts of war. If your property suffers damage due to a natural disaster, your insurance policy may not cover the cost of repairs or replacement.
You may also have to contend with your policy’s coverage limits. Your provider stipulates the maximum amount it will pay out to cover your losses, regardless of any extreme circumstances. If the cost of repairs or replacement exceeds your coverage limit, you may be responsible for paying the difference out of 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.
Reacting to a Denied Claim
Unfortunately, many providers may try to slip exceptions or unreasonable caps into your overarching insurance policy. If exceptions to the rule slip by you, you may find that your provider is within its rights to deny your claim.
Fortunately, you can discuss your property insurance policy and subsequent claims with a Texas lawyer who, in turn, can represent your best interests in conversations with your provider. Our team can research the caps that might apply to your case and challenge an insurance provider’s attempts to apply them to your losses in bad faith.
Texas Property Insurance Claim Lawyer Near Me 361-884-4437
The Role of a Texas Property Insurance Claim Lawyer
Hiring a skilled attorney for your property damage could be the difference between getting the compensation you deserve and being left with nothing. At Carrigan & Anderson, PLLC, we understand the complexities of insurance claims and are dedicated to helping clients like you navigate the process.
Our team can specifically help you:
- Establish a negotiating strategy: Insurance companies are notorious for offering low-ball settlements to claimants. An experienced attorney can use tried-and-tested negotiating strategies to challenge the provider’s attempt to deny you compensation.
- Analyze common insurance claim disputes: From denied claims to undervalued property damage, insurance companies often look for ways to minimize their payout. A Texas property insurance claim attorney can help you identify and resolve common disputes that arise during the claims process.
- Navigate civil court: if an insurance provider refuses to recognize your right to compensation, you can work with an attorney to take that provider to court. Our team can help you file a personal injury claim, act on the rights awarded by that claim, and protect yourself from a provider’s attempts to undermine your case.
In other words, Texas’s property insurance claim attorneys can help you stay one step ahead of a profit-focused insurance provider. That said, committing to legal action when you’re contending with property damage can feel risky. Fortunately, you don’t have to take legal action straight away.
While you should stay on top of your case’s statute of limitations, you can meet with Carrigan & Anderson, PLLC, attorneys for a free case consultation before initiating negotiations or a civil case against an insurance provider.
Representing the injured in all areas of Texas that extends back over 40 years
You Can Consult With a Texas Property Insurance Claim Attorney Today
If you’re contending with a denied or underpaid claim, consider asking Texas property insurance claim lawyers to represent you in conversations with your insurance provider. Our team can also pursue a civil claim on your behalf to secure you the compensation you need to contend with your repairs and replacements.
Carrigan & Anderson understand how trying to communicate with a property insurance property can become. Let us represent your best interests in the wake of an insufficient or denied claim. You can contact us to request more information about our services or to schedule your first, no-obligation and free case consultation.
You need a skilled advocate to protect your legal rights and present your claim in such a way as to maximize your recovery.
Frequently Asked Questions
How Long Does It Usually Take for a Texas Property Insurance Claim Lawyer to Settle a Case?
The amount of time it takes to settle a property insurance claim varies depending on the complexity of your case and the compensation you deserve for your losses. Documentation, negotiations, and court proceedings can also impact your timeline. Fortunately, our attorneys can keep you up to date on your case’s progress.
What Is the Average Cost of Hiring a Texas Property Insurance Claim Lawyer?
Carrigan & Anderson, PLLC operates on contingency. We establish a contingency fee agreement with clients like you ahead of time that only awards us compensation if we win the case you take against an insurance provider. You can discuss our contingency fee agreements and other service fees during an initial case consultation with our attorneys.
Do I Need to Be Present During the Entire Claim-filing and Claim-challenging Process?
It’s important to communicate with your insurance adjuster throughout the claim process. Being present for key meetings or inspections can help ensure accuracy and a fair outcome.
What Happens If My Insurance Company Denies My Claim After Hiring a Texas Property Insurance Claim Lawyer?
If you have a lawyer represent you throughout the claim filing process, and a provider still denies your claim, our team can appeal that provider’s decision on your behalf. Should our appeal fail, we can guide you through the process of filing a lawsuit or pursuing arbitration.
At Carrigan & Anderson, PLLC we can talk to you about your options and rights.