Texas Hurricane Damage Insurance Claim Attorneys
Pierce M. Adkins grew up in Houston, Texas and has experience in handling property damage losses caused by the Gulf Coast areas frequent hurricanes and windstorms. The Atlantic hurricane season is officially from June 1st to November 30th. If you live in the coastal regions of Texas or Louisiana, piecing your life together following a hurricane can be difficult. In fact, if your home, business property or mobile home park was seriously damaged in a hurricane, you may have already experienced unsatisfactory dealings with insurance companies and are aware that insurance companies' can delay payment and low settlement offers can be insufficient to cover the damage done.
When you buy insurance coverage to protect against hurricane damage, flood damage or other kinds of damage to your home or commercial property, your insurance company is supposed to honor your claim so that you can get your home repaired or recoup business losses. In theory, that is the case. In practice, however, insurers use many strategies to avoid fulfilling their agreements with policyholders regarding their legitimate insurance claims.
Our trial lawyers assist Texas homeowners and businesses navigate through the complexities of hurricane claims in Galveston, Houston, and Beaumont as well as throughout the Texas coastal regions. Our attorneys also handle a full array of consumer injury and fraud cases, including:
- Bad faith insurance claims
- DTPA (Texas Deceptive Trade Practices Consumer Protection Act
- Construction Contractor Fraud
Adkins Law Firm represents policyholders, whose insurance claim or property damage claim has been wrongfully denied, delayed or underpaid. Our lawyers have years of experience in handling property damage claims and will assist you in recovering the full amount of monetary damages caused by rain, wind, or hail. We handle both commercial and residential insurance claims for losses caused due to windstorm and hurricane damage.
At Adkins Law Firm, our lawyers do all that we can legally to enable hurricane victims to receive the highest monetary compensation possible in the least amount of time. We work to hold insurance companies accountable for their own policy terms.
Property damage related to Hurricane or Windstorm?
Some types of damages that can be caused by a hurricane or windstorms are as follows:
- Roof Lifting: The hardest-hit part of your home or commercial structure during a hurricane is the roof. Low slope roofs can catch the wind and be damaged structurally and, with strong winds, actually be from the house. If your roof goes, along with the joists that hold the tops of the walls together, your house could be destroyed altogether.
- Other Roof Damage: During a hurricane, your roof will be under constant force from the wind, and few roofing materials can withstand this kind of assault without sustaining some sort of damage. Roof turbines being torn away can also allow harmful amounts of water to enter your home. The sidewalls of your roof, also known as end gables, can collapse due to wind and rain.
- Lost/Damaged Siding: Dead and weak branches of trees and other landscaping can be knocked down by winds and tossed into your home. Siding may become loose or tear away altogether providing easy access for wind, which can then rip the remaining siding from your home.
- Broken Windows: Windows are particularly susceptible to hurricanes both because of the wind itself and the debris the wind carries. Once windows are broken, your home could sustain even greater damage.
- Destruction of Garage Doors: Garage doors often fall victim to high winds. Once the garage blows in, winds will be able to enter your home, allowing wind pressure to fill the house and possibly blow down from pressure.
- Door Failure and loss: Doors are often blown open or even off their hinges, becoming a danger to you as well as the structure of your home.
- Projectile Damage: Items outside the home such as BBQ grills, patio furniture, lawn ornaments, air conditioners, and pool equipment can become deadly and damaging if left out in the high winds.
- Moisture Damage: If the interior of your home is exposed, mold can develop from moisture that gets into insulation and wood causing additional damages.
- Loss or Destruction of Personal Property and Automobiles: personal property such as automobiles, furniture, appliances, computers, and other electronics may be ruined due to rising floodwaters. In addition to loss, the shorting out of appliances if water comes in as well as the destruction of electronic components if there is a surge when the power returns may cause additional damages from a fire.
- Fire Damage: Shorts caused by downed wires or water entering outlets and electrical equipment can cause fires.
- Pools: Outdoor in-ground pools get the full force of what any hurricane has which may damage the structure of your pool as it struggles with the rising water pressure around it from water-saturated soil.
- Porches and Carports: These types of structures can become airborne and potentially very dangerous during a storm damaging other property.
- Damage to Car or RV: Cars, trucks, and RVs may be damaged by hurricane whether parked inside or outside.
- Lost or Damaged Boats: For many people living near the coastline, may suffer lost or damaged boats stored on the water by rocks and other damaging elements finding a mooring inland for added safety. For boats on land, canvas parts can catch the wind causing damages. Boathouse and warehouse structures may fail and collapse causing damages to boats indoors.
- Septic Tanks: Septic tanks with disabled electric-powered due to power outages can cause sewage backup into your home.
Hurricane claims can be a serious problem for anyone who lives in Houston, Beaumont, Port Arthur, Galveston or other coastal areas of Southeast Texas. Insurance companies often deny, delay, or reduce valid insurance claim payments. Let us help you receive rightful compensation. Contrary to rumors, when dealing with your insurance company (1) they are only your good neighbor when collecting premiums, not when paying claims; (2) they have clear interest in reducing your claim, so you are not in good hands; and (3) they will do all they can to make sure you and your home are not covered when faced with paying millions in hurricane-related claims.
Exclusions, loopholes, and stipulations in these hurricane policies make it very difficult to file a claim these days. Many insurance companies will tell you that your claim is not covered without providing a valid reason. We focus on representing the policyholder and making sure they are treated fairly. We are prepared to take your case all the way to trial if that is what it takes to obtain fair compensation for our clients. Our lawyers have assisted individuals and businesses with aggressive representation and dependable legal counsel involving:
- Complex insurance coverage disputes
- Structural foundation claims
- Water damage and mold claims
- Hurricane insurance disputes
- Bad faith claims
- Underpayments by insurance companies
Faced with paying out millions of dollars in claims following a hurricane, insurance companies will take those actions necessary to minimize their losses following a hurricane. Adkins Law Firm help you get the money that you deserve for losses suffered as a result of a hurricane or windstorm, so that you can get your business up and running, your home repaired, and put your life back on track after any serious hurricane loss. We will fight to make the insurance company pay the money they agreed to pay when collecting your premiums.
Policy Holder v. Experienced Insurance Adjusters
Unrepresented policyholders can be easily taken advantage of by experienced insurance claims adjusters that make it their jobs to minimize, reduce or exclude your claim for hurricane damages altogether. In some instances, insurance companies have been found using bad faith tactics and tricks to limit their exposure. Often, policyholders do not make a full claim for damages actually suffered because they did not even think of it at the time the claim was made. For those just simply trying to make an insurance company do what they said they would do under the policy, an attorney familiar with property damages due to hurricane claims can make a real difference to an individual or business attempting to hurricane rebuild following a catastrophic event or hurricane.
When insurance companies do not honor your policy, denying, delaying or undervaluing your claim, it is advisable to seek help from an experienced insurance lawyer. At Adkins Law Firm, we will come to your commercial property or home and walk the loss with you to better understand the entirety of the loss. Our attorneys are equipped to properly assess and ensure that you receive the full extent of your hurricane property loss claim that you are entitled to and deserve. Don't let the insurance company deny or reduce your claim due to purportedly uncovered property loss without discussing coverage with a lawyer. Insurance companies should be held responsible for paying the correct amounts on hurricane claims. At Adkins Law Firm, you will have the ability to meet with a lawyer in person and discuss your loss for free without obligation so that we may evaluate your coverage due to harms or losses suffered from fire damage to your commercial property or home, wind damages to your residential or commercial roof, or water losses sustained to the structure or its contents.
Experienced Commercial Hurricane Damage Lawyer
At Adkins Law Firm in Houston, Texas, we understand how frustrating unpaid commercial insurance claims can become. Natural disasters affect businesses as well as individuals. Damage from fire, hurricane or tornado can prevent your business from operating and may affect productivity. Our firm can assist in getting temporary funds in place allowing to find alternative offices or warehouses for your business. We can assist in negotiating interim payments for emergency costs, wages and loss of business equipment. Our lawyers are familiar with calculating business losses for our commercial clients and can assist you in preparing your claims for business interruption, inventory loss and lost profits. Our lawyers will work with your company to get back up and running by seeking to receive the highest monetary compensation possible in the least amount of time. We work to hold insurance companies accountable for their own policy terms.
We are aggressive, thorough, and experienced. We welcome the opportunity to help our fellow Texans (and Louisianans) cope with the destruction caused in the wake of a hurricane. Our lawyers are ready to assist you in your dealings with government bodies and private insurers as you continue to cope with the damage done by Hurricane Ike or any other storm or catastrophe. If you feel like your windstorm, fire, hail, tornado, hurricane, wildfire, water damage or drought insurance claim has been improperly handled, has not been properly paid, or if your claim has been unfairly denied, call our team of experienced insurance attorneys. We look forward to discussing your claim.
Property damage related to a hurricane or Flood?
We focus on representing the policyholder and making sure they are treated fairly. We are prepared to take your case all the way to trial if that is what it takes to obtain fair compensation for our clients. We have assisted individuals and businesses with aggressive representation and dependable legal counsel involving:
- Complex insurance coverage disputes
- Structural foundation claims
- Water damage and mold claims
- Hurricane insurance disputes
- Bad faith claims
- Underpayments by insurance companies
Contact Us Today Regarding Your Insurance Claim
If your commercial business or real property is damaged by a hurricane, flood, fire, or other disaster and you need assistance in getting fair compensation for your insurance claim, call the Houston-based Adkins Law Firm to schedule a free consultation, contact us today by filling out the form on the upper right hand side of this page or by calling our office at 713-574-5558 or toll free at 1(855)801-8770.