Wind can tear roofing materials loose, break windows, damage siding, and allow rain into a building. For a business or property owner, the next problem may be getting the insurance company to pay for the full loss.
A Corpus Christi wind damage lawyer at Barcus Arenas, PLLC can step in when an insurer denies coverage, delays payments, or offers policyholders too little. Our client-focused boutique firm has nearly 20 years of combined experience. We represent businesses, commercial property owners, condo associations, and owners of high-value homes.
When you come to us, our Corpus Christi insurance claims lawyers will explain what your policy covers, build the claim, and work to hold insurance companies accountable for the coverage they agreed to provide. Better Advice, Better Advocates. Call Barcus Arenas, PLLC for a free consultation about your wind damage claim.
How Our Corpus Christi Wind Damage Attorney Can Help With Your Claim
A large wind claim can involve disagreements over what caused the damage, what needs to be repaired, and how much the insurer should pay. Barcus Arenas, PLLC will look carefully into these issues and gather evidence to support the claim.
Our wind damage attorney in Corpus Christi will:
- Review your policy, endorsements, exclusions, and deductibles.
- Document damage throughout the property.
- Compare the insurer’s estimate with repair or replacement costs.
- Gather photos, videos, maintenance records, and weather information.
- Handle communications and negotiations with the insurance company.
- Prepare the case for litigation if needed.
Our firm also has access to former insurance adjusters who now work for policyholders, as well as engineers, contractors, public adjusters, meteorologists, metallurgists, and property estimators. The professionals involved in your case will depend on the type of property and the issues with your claim.
For a free legal consultation with a wind damage lawyer serving Corpus Christi, call (800) 941-1041
Strong Winds Can Cause Extensive Property Damage in Corpus Christi
Corpus Christi, Texas, can experience damaging winds from thunderstorms, hurricanes, tropical systems, and tornadoes. A building does not have to suffer obvious structural damage for an insurance claim to become costly.
A wind damage insurance lawyer in Corpus Christi from our firm will investigate damage that may have been missed during the insurance company’s inspection. This can be especially important for a large building or property with several structures.
Disputes can also arise over water damage. An insurer may claim the loss came from flooding rather than rain entering through an opening caused by wind. How the water entered the property and what the policy covers can become major issues in the claim.
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Some Corpus Christi Properties Have TWIA Coverage
Corpus Christi is in a designated Texas coastal catastrophe area. Some property owners may have wind and hail coverage with the Texas Windstorm Insurance Association (TWIA) rather than through their regular property insurer.
TWIA claims are subject to different rules than many claims against private insurers. Barcus Arenas, PLLC can review your policy and determine which rules apply to the wind damage dispute.
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Insurance Companies May Deny or Undervalue Wind Claims
An insurance company may accept part of a claim and still offer less than the property owner believes is needed for repairs. Its estimate might leave out damaged areas, use lower repair costs, or call for repairs when the owner believes replacement is necessary.
Other insurers may blame the damage on wear and tear, poor maintenance, prior damage, construction problems, or an exclusion in the policy. Delays can create another problem when a business is trying to reopen or a property owner needs to prevent further damage.
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Texas Law Sets Deadlines for Handling Insurance Claims
Our wind damage claim lawyer in Corpus Christi will review the insurer’s explanation and the evidence used to support it. We can determine whether the company’s position matches the policy and the facts of the loss.
Texas law also places deadlines on insurers for acknowledging, investigating, and deciding many claims. The exact requirements can depend on the insurer and circumstances of the loss. When an insurance company fails to handle a claim properly, we will determine what remedies may be available.
For a review of your options and next steps, call Barcus Arenas, PLLC for a free consultation. There are no upfront fees or risks. We work on contingency, so we receive payment only if you recover damages.
Commercial Wind Claims Can Involve Several Types of Loss
A windstorm at an apartment complex, strip mall, condominium property, church, office building, or another kind of commercial site can affect much more than one roof. Several buildings may need repairs, and property damage may interfere with normal business operations.
A commercial wind damage insurance claim in Corpus Christi may include damage to equipment, inventory, signs, and exterior structures. Some policies may also cover lost business income or certain extra expenses after a covered loss.
At Barcus Arenas, PLLC, we focus on substantial property losses. We’ll carefully examine the full scope of damage and the coverage available under the policy rather than treating a large commercial loss as a simple repair claim.
Surplus Lines Policies in Texas Deserve Careful Review
Some businesses in Texas have surplus lines insurance, especially when the property or risk does not fit the standard insurance market. These policies can contain terms and exclusions that have a major effect on a wind claim.
For example, cosmetic damage exclusions can limit coverage for a damaged metal roof. An insurer may claim it does not owe for dents or other visible damage if the roof still performs its basic function.
A surplus line policy can also contain an arbitration clause. Arbitration can determine where and how an insurance dispute is decided and may prevent the policyholder from having the dispute heard by a jury.
How We Review Surplus Lines Policy Terms
Barcus Arenas, PLLC reviews these provisions closely. Our wind damage insurance dispute lawyer in Corpus Christi will explain what your policy requires and how those terms may affect the available options.
Appraisal or Litigation May Be an Option
Property policies sometimes include an appraisal process for disputes about the amount of a covered loss. For example, the property owner and insurer may agree that wind damaged the roof but disagree about how much the repairs should cost.
A disagreement over whether the policy covers the damage can raise different issues. We will review the dispute before recommending an approach because an appraisal is not the right answer for every claim.
Texas Has Special Rules for Wind Damage Lawsuits
Texas Insurance Code Chapter 542A applies to certain lawsuits involving property damage caused by natural events such as wind, hail, hurricanes, tornadoes, and rainstorms. The law includes notice requirements that can apply before a lawsuit is filed.
Getting legal advice early gives a property owner time to identify policy requirements, legal deadlines, and the evidence needed to support the claim.
Talk With Our Corpus Christi Wind Damage Lawyers About Your Claim
A major wind loss can leave a property owner trying to manage repairs, contractors, business interruptions, and an insurance company at the same time. At Barcus Arenas, PLLC, Better Advice, Better Advocates means giving you clear guidance about your claim and being ready to challenge an insurer that refuses to honor its policy.
Our attorneys are from Houston and have built a long-standing working relationship with one another. Our firm is active in Texas insurance matters, works with a strong network of property and insurance professionals, and is prepared to take a case to trial when necessary.
We handle wind damage claims on a contingency fee basis. Call today for a free consultation about your property insurance claim.
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