Does your property have a damaged roof, broken windows, structural problems, or other issues as a result of major wind damage? This is a lot to handle, but it’s only the beginning, and your circumstances can start to feel overwhelming in the aftermath of the incident.
You might find yourself interpreting an insurance policy, documenting your losses, and standing up for yourself when an insurer disputes your claim. However, you shouldn’t have to advocate for yourself during such a stressful time. Instead, let a wind damage lawyer in Pasadena help.
At Barcus Arenas, PLLC, our attorneys have nearly two decades of experience assisting people in your position. As your insurance claims lawyer in Pasadena, we can investigate the extent of the damage, gather supporting evidence, and pursue a fair outcome in your case.
Wind Events Can Cause a Lot of Property Damage
When a major wind event damages your property, the visible damage is often only part of the problem:
- A roof can look intact from the ground while sustaining damage underneath.
- Water can enter any openings and cause additional deterioration.
- Windows, siding, mechanical systems, insulation, and interior finishes might be affected.
For a property owner, the question quickly becomes whether the insurance company will pay for everything the policy covers. However, you can’t always answer this by looking at an adjuster’s estimate. Texas insurance disputes often turn on these details:
- The language of the policy
- The cause of the loss
- The evidence supporting the claim
- The insurer’s handling of the claim
A policyholder who receives a low payment does not necessarily have to accept it as the final word. Your wind damage insurance lawyer in Pasadena can examine the claim to determine where the insurer’s position conflicts with the policy or evidence. This means looking to see if additional damage was overlooked, improperly excluded, or attributed to another cause.
For a free legal consultation with a wind damage lawyer serving Pasadena, call (800) 941-1041
Insurance Policies Determine What You Can Recover
Your insurance policy is a very important part of your wind damage dispute. Not only does it establish the coverage available for the property, but it also clarifies these matters in relation to your claim:
- Exclusions
- Conditions
- Deductibles
- Limitations
- Other provisions that can affect a claim
Texas law governs insurance contracts issued and enforced in the state, but the exact rights available to you as the policyholder depend on the language of your particular policy. That’s why comparing your experience with another property owner’s claim isn’t always helpful. Two properties that are damaged by the same storm can have very different coverage.
We Will Examine Precisely What Your Policy Covers
Your wind damage claim lawyer in Pasadena can review provisions concerning these consequences:
- Wind
- Water
- Roof damage
- Structural damage
- Exclusions
- Valuation
- Deductibles
- Other relevant issues
Your wind damage insurance dispute lawyer in Pasadena can also assess whether the insurer’s interpretation of the policy is consistent with its actual language. This becomes particularly important for commercial properties.
Commercial policies can contain provisions that are unfamiliar to property owners and can have significant financial consequences. A careful policy review can identify potential coverage problems before a dispute becomes even harder to resolve.
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Evidence Can Make All the Difference
Insurance companies usually require you to provide documentation that shows what happened and what it will cost to make repairs. With a commercial wind damage insurance claim in Pasadena, your evidence can involve more than photographs taken after the storm.
Your Pasadena wind damage lawyers can coordinate with professionals who know how to evaluate different aspects of your losses. Depending on the circumstances, here’s who this might include:
- Engineers
- Contractors
- Meteorologists
- Estimators
- Former insurance adjusters
For example, a meteorologist might help establish the weather conditions affecting the property. An engineer could evaluate structural damage and the cause of that damage. A contractor could provide information about the scope and cost of necessary repairs.
How an Estimator Can Help
Our wind damage attorneys in Pasadena will sometimes work with estimators. These professionals could assess damaged contents or other property losses. The goal is not simply to accumulate paperwork. The evidence needs to tell a coherent story about crucial information like:
- What happened
- What was damaged
- Why the damage occurred
- What the policy covers
- What it will take to restore the property
That can become especially important when an insurer argues that damage resulted from wear and tear, maintenance issues, an excluded cause, or a preexisting condition rather than the covered wind event.
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Denied Claims Deserve a Careful Policy Review
Receiving a denial can be defeating, but an insurer’s decision does not automatically mean that there’s no coverage available to you. Insurance companies interpret and apply policy provisions. Those decisions can be challenged when they are inconsistent with the contract or the law.
In Texas, state laws provide protections for policyholders in certain circumstances, including provisions under Chapter 542 of the Texas Insurance Code. This addresses unfair or deceptive insurance practices as well as certain unfair claim-settlement practices. The Texas Prompt Payment of Claims Act can also impose requirements on insurers concerning these actions:
- How claims are handled
- How covered claims are paid
Not every disagreement with an insurer constitutes a statutory violation. That is why a commercial wind damage insurance claim in Pasadena can be valuable if your claim was denied. We can examine the reason for denial against the policy terms and evidence. If the insurer’s position doesn’t hold up, we can pursue the remedies available under the policy.
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For Help From a Wind Damage Law Firm in Pasadena, Call Barcus Arenas, PLLC
Insurance disputes require Pasadena wind damage attorneys who understand how insurance companies evaluate claims and why policy language can affect the overall outcome of your case. At Barcus Arenas, PLLC, we have a long-standing connection to Texas communities.
As a client-focused boutique firm with a concentrated focus on insurance disputes, we work closely with our established relationships. With a commitment to the people we represent, we understand that insurance disputes can affect you and the people who depend on you.
If your claim requires litigation, we are prepared to go to trial. We believe policyholders deserve advocates who are willing to stand behind their position when an insurance company refuses to honor its obligations. The sooner you call, the sooner we can help.
Call or text (800) 941-1041 or complete a Free Case Evaluation form
