Problem: A broken pipe led to flooding of your home and serious damage. A leak went unnoticed for long enough to cause mold damage. A cooler or air conditioner at your business backed up, causing flooding that led to loss of inventory. You filed a property insurance claim only to have it denied or underpaid by the insurer.
Solution: We handle homeowners insurance disputes and business insurance disputes on a daily basis, fighting for fairness against insurers who breach their contracts with policyholders in South Texas.
Why Was Your Water Damage Claim Denied or Underpaid?
When policyholders contact us, they are often shocked that the insurance company they trusted denied or underpaid their claim. They want to know why, when they paid their premiums as promised, the insurance company would turn them down in their time of need.
In water damage claims, insurance companies will often respond by saying that floods are not covered. They are simply trying to avoid paying the claim because that is how they thrive. Of course, in reality, water damage caused by broken pipes, leaks and similar issues is not the same as a flood. These types of water damage claims should be covered under the majority of homeowners insurance and business insurance policies.
More than 20 years of experience has taught us that insurance companies often need a push from an attorney before they do what is right. Our knowledge of policies allows us to quickly examine your coverage and make it clear to your insurer why the flooding or water damage incident should be covered. We know what supplementary documentation may be necessary to make a strong claim. If the insurance company still insists on denying or underpaying your claim, we are willing to fight to get you what you are entitled to.
Wind knocked down a tree that fell onto your garage and destroyed it. Hail pelted your home wreaking havoc on the roof and siding. A hurricane made your house unlivable. A tornado tore through your business ruining your inventory. You filed a property insurance claim, only to have it denied or underpaid by the insurance company.
The solution to these problems We handle homeowners insurance disputes and business insurance disputes every day, fighting for fairness against insurers that fail to fulfill their promises to policyholders who file wind, hail, hurricane and tornado damage claims in South Texas.
Why Was Your San Antonio Storm Damage Claim Underpaid or Denied? Our Lawyer Can Help.
Policyholders frequently contact us in a state of shock. They are angry that they have been forced to contact an attorney to overcome a denied or underpaid claim, and they are surprised that the insurance company is treating them this way. They often ask us why their claim has been denied or underpaid.
In many cases, the answer has to do with documentation. If wind destroyed your garage, documentation may not show the extent and cost of the damage to the insurance company’s satisfaction. If your roof and siding were damaged by hail, documentation may not clearly define how much money will need to be spent on repairs. If your home was made unlivable by a hurricane, you may have forgotten to provide documentation about the cost of staying elsewhere while the repairs were made. If you lost business inventory because of a tornado, you may not have fully documented all the inventory that was lost.
With more than 20 years of experience on our side, we know what insurance companies are looking for. We know how to put together claims that make it clear how much money you need and why. If the insurance company still wants to fight, we are prepared to fight.