Texas Homeowners Insurance Claim Lawyer

As a homeowner, you invest a significant amount of money into your property. When you purchase homeowners insurance, you expect the provider you’re working with to help you cover any damage that occurs to your land. Unfortunately, insurance companies are known for denying claims, leaving homeowners like you to deal with the financial burden of repairs.

Fortunately, you don’t have to accept a denied claim lying down. You can work with a homeowners insurance claim lawyer in Texas to appeal your claim or take a provider to court. Having someone on your side who understands the complexities of insurance policies and can fight for your rights can make it all the easier for you to restore your home’s former glory.

You can specifically work with the Carrigan & Anderson, PLLC, insurance lawyers to hold an insurance company accountable for the coverage you’ve purchased.

Understanding Your Homeowners Insurance Policy

Many homeowners make the mistake of assuming that their insurance policy covers all kinds of accidents, only to find out later that certain types of damage or losses aren’t included in their policies. This is why it’s crucial to read your policy and understand the coverage exclusions and policy endorsements.

Coverage exclusions elaborate on situations wherein your provider won’t cover certain damages or losses. For example, some policies don’t cover damages caused by natural disasters like floods, earthquakes, or hurricanes. Policies may also exclude damages caused by your own negligence or intentional acts.

Policy endorsements are additions to your policy that provide extra coverage for specific types of risks. For instance, if you live in an area that’s prone to flooding, you may need to purchase a separate endorsement for flood insurance.

Understanding the coverage exclusions and policy endorsements of your homeowners insurance policy will help you make informed decisions when filing a claim.

Reasons Your Claim May Be Denied

If you’re not careful, your homeowner’s insurance claim could be denied for a number of reasons. Types of denials can be grouped into two categories: technical denials and substantive denials. 

  • Technical denials occur when there is a problem with your claim, such as missing paperwork or improper documentation.
  • Substantive denials occur when the insurance company determines that the damage isn’t covered under your policy. 

If your claim is denied, you have the right to appeal the decision. Make sure you understand the appeals process and follow it carefully. An experienced Texas homeowners insurance claim lawyer can help you navigate the appeals process and fight for the compensation you deserve.

Should You Hire a Homeowners’ Insurance Claim Lawyer if Your Claim Gets Denied?

If you believe that your insurance provider denied your right to compensation out of bad faith or due to a formatting error, you can take action against that company. You can request that a Texas homeowners insurance claim attorney come with you to file an appeal, negotiate with your provider, or file a personal injury claim against the offending company.

Benefits of Hiring a Texas Homeowners Insurance Claim Lawyer

Hiring a skilled attorney to navigate the appeals process and fight for your rightful compensation can be a game-changer for you. Our team can maximize compensation when negotiating for your right to coverage or taking your case to court.

An attorney who’s well-versed in homeowners insurance policies can review your coverage, assess the damage done to your home, and negotiate with the insurance company to ensure that you receive a fair settlement. All the while, you can focus on investing in the repairs that can replace or repair the property damaged in a recent disaster.

How to Choose the Right Homeowners Insurance Claim Lawyer

To find the right homeowners insurance claim lawyer, consider what qualities you want in a legal representative. Do you want someone who is experienced and knowledgeable in insurance law? Do you want someone who is responsive and communicative? Do you want someone who is aggressive and will fight for your rights?

Once you have a clear idea of what you’re looking for, you can start doing your research. It’s a good idea to read client testimonials to get a sense of the lawyer’s track record and how they’ve helped others in similar situations. By doing your due diligence, you can find a lawyer who will work hard to get you the compensation you deserve.

Let Carrigan & Anderson Attorneys Defend Your Right to Financial Support


You deserve to benefit from your homeowner’s insurance. Don’t let an insurance company’s greed stand between you and a relevant payout. If your claim gets denied, and you want to take legal action, call on the homeowners insurance claim attorneys in Texas. Carrigan & Anderson, PLLC, can connect you with a representative who can negotiate with a provider on your behalf.


Our attorneys have several combined decades of experience challenging insurance providers in mediation and civil court. You can count on our team to help you maximize your possible compensation. For more information about the legal services we provide, you can contact us by calling our office or through the Carrigan & Anderson, PLLC, website.

Frequently Asked Questions

Can I sue my insurance company for bad faith practices?

Yes, you may have legal recourse if your insurance company is liable for bad faith practices. It’s important to understand your rights and consult with an attorney to determine the best course of action.

What should I do if my claim has already been denied?

If an insurance provider denies your homeowners insurance claim, contact an attorney. Our team can determine why a provider denied your claim and file an appeal in your name. We can alternatively begin investigating your losses so as to take the provider to civil court.

What is the average cost of hiring a Texas homeowners insurance claim lawyer?

The homeowners insurance claim lawyers who work with Carrigan & Anderson, PLLC, operate on contingency. You will not receive a bill from our lawyers unless we win the civil case you bring against an insurance provider. If we do win your case, you can refer to the contingency fee agreement signed prior to the beginning of your case for more information about our fees.

What types of damages can I be compensated for in a homeowners insurance claim?

You can be compensated for water and fire damage through our insurance claim. These damages can include structural damage, personal property loss, and additional expenses incurred. It’s important to understand our coverage to ensure proper compensation.

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carrigan and anderson
Location: 101 N Shoreline Blvd #420
Corpus Christi, TX 78401