Has Your Home Or Small Business Undergone Property Damage?
Has The Insurance Company Denied Your Claim Or Undervalued The Damage?
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Each year, thousands of people are effected by damage caused by severe storms, hail, hurricanes, tornados, fires, flooding and other disasters. The Cartwright Law Firm has been a leader in battling insurance companies when it comes to client’s rights for over 36 years. Severe weather is not uncommon in Texas. Our close proximity to the gulf makes our homes and small businesses susceptible to hurricanes. Our hot and humid summers produce massive thunderstorms with great potential for strong wind gusts, tornadoes and large hail. We also see the occasional cold and frigid winter which can bring ice, sleet and even snow.
Texas residents obtain insurance coverage to give them peace of mind that if their home, property or business is damaged as a result of severe weather, they will be made whole. However, it is also not uncommon for an insurance company to deny coverage for damage that is clearly covered under the policy or undervalue the cost of damage and repair.
Look through the property damage categories below for specific information about how the property damage lawyers at The Cartwright Law Firm can help you.
Common excuses that a good faith property damage claim gets
denied by an insurance company are:
- The damage is a result of wear and tear and not as a result of the storm;
- The water damage is not a result of the storm but wind-driven rain;
- The documentation does not prove that hail/wind caused the damage to the roof;
- The estimate provided by the insurance company’s appraiser is below the insured’s deductible; and
- The contractor’s repair estimate is excessive.
Even though most homeowners and business owners document the damage to their homes and businesses, insurance companies routinely deny the claims or greatly undervalue the damage.
If your home or business sustained property damage and the insurance company denied your claim or undervalued your claim, The Cartwright Law Firm can help. Our law firm on your behalf will fight with the insurance companies if your claim for damages has been unfairly denied or significantly undervalued by your insurance company.
Click here to read more about dealing with insurance companies after property damage caused by storms in Texas.
Get Help with Your Insurance Claim
After the storm clouds pass away and the sun comes out again, the first thing you want to do is take a deep breath and assess your situation. Is everyone in your family all right? How are your friends and neighbors? Once that is done, it’s time to measure the damage to your property as a result of the storm and determine if a claim needs to be filed against your insurance company.
Unfortunately, all of your friends and neighbors are doing the same thing. Your insurance company is likely to be flooded with legitimate claims. They’ll seek to minimize their losses in any way possible, and that can hurt your claim for damages.
Has Your Insurance Company Done the Following?
Insurance companies have many tactics they use to minimize the amount they have to pay out following a major storm, hurricane, or other event causing damage to property. Even if you have faithfully paid your premiums and complied with the policy, your insurance company may try one or more of these tactics:
- Claim that the damage to your home or business was not caused by the storm, but rather by normal wear and tear.
- Find fault with the documentation and claim it doesn’t prove that roof damage was caused by hail or wind.
- Insist that water damage came from wind-driven rain, which would not be covered.
- Claim that your contractor’s estimate for repairs is excessive.
- Deliberately appraise the damage to produce an estimate that is slightly below your deductible.
If this happens to you, contact The Cartwright Law Firm immediately. Our insurance claim attorneys are ready to fight on your behalf and stand up to the insurance company.
How The Cartwright Law Firm Can Help
Our attorneys have decades of experience and a thorough understanding of the laws and regulations regarding storm damage insurance claims. We have experienced, expert witnesses to testify on your behalf, and each insurance claim attorney in our firm uses aggressive, successful negotiating tasks with your insurance company. Your home and/or business is an important financial investment and you deserve to get fair compensation for the damage to your property for a covered loss and that is why we will fight for justice for you.
You have property insurance coverage so that you could have peace of mind and a fair financial solution in case your property was damaged by events outside your control. If the insurance company is not honoring their duties under the policy, you don’t have to give in. We can help you fight back. Contact us today to set up a free consultation. Se habla español.
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DO NOT LET TIME RUN OUT, ACT NOW…
If an insurance company undervalued or denied your claim for damages as a result of a severe storm, this is an insurance contract dispute. If a lawsuit has to be filed, Texas law has a deadline of only two years to file a lawsuit.
WE WILL FIGHT FOR YOU…
If your home or business sustained damage as a result of a severe weather storm and the insurance company has unreasonably denied your claim or greatly undervalued the damage, call us today at 713-840-0950. Hablamos Español.