Texas Homeowner Insurance Claims
Insurance companies have paid out billions of dollars to Gulf Coast residents due to destructive hurricane seasons. To make up for their losses, these insurance companies have raised premiums and grown combative when it comes to paying homeowners for their storm damages. At Arnold & Itkin LLP, we believe homeowners in Texas, Louisiana, Alabama, Mississippi, Georgia, and Florida should receive the full benefits of their insurance coverage, allowing them to rebuild their homes, their businesses and their lives. We have a history of obtaining successful verdicts and settlements for our clients; at our firm, we have recovered billions of dollars for our clients.
Residential Property Claims in Houston, TX
It is a devastating loss any time something happens that damages your property. The place you live is more than just your house, it is your home. In the event of a natural disaster you need to make sure that you have coverage under a residential property insurance of some kind. Those who are faithful policy holders make sure that they are making payments so that in the event that their home sustains damages, they can be paid for and fixed as soon as possible. Most people trust their homeowner's insurance to deliver for them in the event that their property is damaged. All property insurance policies cover different things, so it is best that you fully understand your coverage.
In Texas, many residential property policies will cover things such as:
- Hurricane damage
- Flood damage
- Wind damage
- Other types of related damages
If one of these disasters happens to your home then it is likely that you cannot afford to pay for it out of pocket. When you look to your insurance company, you expect them to provide you with the compensation you need to get your home back to the way it was so you can live life as normal again. If you believe your insurance company is denying you rights to the compensation you deserve then you can get help. After a disaster, make sure you document the damage as thoroughly as possible so you have evidence to back up your claims. Then, seek legal help from us.
About Gulf Coast Hurricane Insurance Disputes
Hurricanes and tropical storms can inflict heavy damage on homes, from the wind and rain of the storm itself, to the destruction, mold and debris left behind in the storm's wake. Homeowners may face repairs to roofs, foundations, drywall, insulation, decks, porches, and garages. In extreme cases, a home might be damaged beyond repair. A lawyer from Arnold & Itkin can review your policy to determine the extent of your coverage and the amount of any deductibles. We may find that your policy covers most structural repairs as well as water damage, mold damage, electrical problems, and repairs to other buildings on your property, such as a garage or shed. You may also be entitled to living expenses that cover the cost of shelter while you are waiting for your repairs to be completed.
Generally, policies will cover wind and rain damage but exclude flood damage. If you have not obtained flood coverage from the National Flood Insurance Program administered by the Federal Emergency Management Agency (FEMA), then you likely won't receive any money for flood repairs. However, don't let insurance companies take advantage of your lack of flood coverage. An insurance company may try to avoid making a full claims payment by saying your damage was caused by flooding rather than a peril that is covered in your policy. We at Arnold & Itkin LLP can help you to overcome this insurance company tactic by deploying qualified inspectors, appraisers, and other experts to examine your home's damages and determine the true cause of your losses.
Other methods the insurance companies use to escape full claims payments are:
- Requiring unnecessary documentation or a series of follow-up inspections or interviews;
- Admitting you have a legitimate claim but delaying payments without any justifiable excuse;
- Denying your claim without making a proper inspection of your home; and
- Simply refusing to pay your claim despite overwhelming evidence in support of it.
We have a strong grasp of common insurance industry practices and know how to expose weaknesses in their arguments. If you are a homeowner whose insurance claim has turned into a dispute, you can rely on us to fight for your full, fair, and timely compensation. Fill out our online form to schedule a consultation today.