Hurricane Damage Claims Lawyer in Corpus Christi
Helping Property Owners with Insurance Claims & More
If you own a home or business that was damaged by a recent hurricane, your main focus is getting things back to normal as soon as possible. For most property owners, that means getting the money you need to afford repairs or rebuilding from an insurance claim, which is often easier said than done.
If you need legal assistance to help you deal with your insurance company after a hurricane, I can help. My name is Robert J. Gonzalez, and I’ve been a trusted attorney serving my community for nearly 40 years.
As a hurricane damage claims lawyer in Corpus Christi, I’ve helped many clients prepare and file claims with their insurance carriers. For clients who faced delays, underpayments, and/or claim denials, I helped them understand and exercise legal options to improve their odds of getting a fair payout in the end.
If you’re not sure how to proceed with the hurricane damage claim process or are facing pushback from your insurance carrier, I can help. For more information, get in touch with me, Robert J. Gonzalez, Attorney at Law, today.
What Should I Do If My Property Is Damaged by a Hurricane?
After a hurricane, thoroughly document the condition of your property – even if you don’t immediately notice any damage.
Take as many pictures from as many angles as possible. Also, try to find recent pictures of your home to prove the storm damage is recent. If you don’t have any pictures from recent years, see if Google Maps has a street view photo of your home. These images are updated every one to three years.
Does Insurance Cover Hurricane Damage?
Texas law requires insurance companies to cover, under a deductible, certain kinds of losses caused by hurricanes. These types of losses include damage caused by high-speed winds and may be referred to as “windstorm insurance.” This deductible is separate from the one a homeowner might file for other types of property damage.
Homeowners’ insurance is unlikely to cover flood damage caused by storm surges. For this, homeowners should purchase a separate flood insurance policy, which may even be required by a mortgage lender if the home is in a high-risk area.
What Should I Do If My Claim Is Denied or Delayed?
If your insurance company denied your claim, or there is an unreasonable delay in assessing your claim, you should talk to an experienced hurricane damage claims attorney in Corpus Christi. I have assisted many clients who felt like dealing with their insurance companies was a heartbreaking uphill battle, but through dedicated legal counsel, I have helped many of them achieve better outcomes than they expected.
How Long Do I Have to File a Claim Against My Insurance Company?
If you were denied benefits for a hurricane damage claim by your insurance company, you have two years from the date of your denial to file a lawsuit. This means that if your home is damaged in a hurricane and your insurance company doesn’t deny your claim until months later, you should have two years from the date of that denial – not the hurricane – to pursue legal action.
When it comes to filing a claim with your insurance company, however, you may only have as long as one year from the date of the storm.
What If My Insurance Company Denies My Claim Without an Inspection?
It is inappropriate for your insurance carrier to deny your claim outright without an inspection or thorough assessment of the storm damage.
Insurance companies that don’t properly investigate claims can be held liable in insurance bad faith or breach of contract actions. Talk to a hurricane damage claims lawyer in Corpus Christi such as me, Robert J. Gonzalez, Attorney at Law, if you think your insurance company is acting in bad faith. ‘
Contact Me Today for Legal Assistance
As an avid advocate for property owners, I am here to assist those who are encountering obstacles and setbacks caused by their insurance carriers. I fully understand the frustration that an unreasonable delay or unfair denial can cause, and I want to help you exercise your legal options to obtain a better outcome.
For more information about my legal assistance, contact me online to schedule a free consultation.