Hurricane Damage Attorneys in San Antonio

Fighting for Just and Fair Compensation in Texas

Hurricanes are capable of producing extensive property damage due to the excessively strong winds and floodwaters that usually accompany such storms. These types of natural disasters can have devastating effects on your home and any other properties that you may own.

Hurricane damage insurance claims generally run into hundreds of thousands of dollars. The insurance companies have the financial capability to employ teams of skilled lawyers whose only task is to find possible loopholes in policies that can allow them to deny or underpay claims.

If you are experiencing issues with your insurance company not wanting to pay your claim, you need an attorney familiar with hurricane damage claims in San Antonio who will aggressively fight for your rights and your ability to receive the financial reimbursement. Call Stormlex Law Group at (877) 890-6372 and schedule an appointment to meet with one of our hurricane damage attorneys. The members of our legal team are standing by to answer your questions.

What Happens If Your House Is Destroyed by a Hurricane in the San Antonio Area?

If you are still paying a mortgage on your home, your lender may still require that you make payments even if you’re not currently able to live in your home. For those who live in the San Antonio area, one of the best steps that you can take to protect your home is to purchase enough property insurance that will adequately cover your home or business.

Some policies are written so that the policyholder will be entitled to receive living expenses to pay for a rental home until their own home can be repaired or rebuilt. Without a sufficient amount of insurance coverage, you may find yourself without the financial ability to provide shelter and housing for you and your family.

If you are not certain as to whether or not your current insurance policy provides enough coverage for you to be able to have a place to rent or even rebuild if a hurricane destroys your home, call your insurance company to discuss your coverage.

Are Hurricane Claims Different for Businesses in San Antonio?

Similar to insurance policies that cover personal residences, commercial insurance typically makes provisions that provide coverage for both the structure and contents of the business. Often, these types of insurance policies include coverage for utility services, losses incurred from interruption of the business, accounts receivable coverage, and other expenses that may be encountered.

As with any other type of insurance claim, a business owner may find themselves feeling that they are not receiving the full compensation that is outlined in their policy. In many instances, such as this, commercial insurance claims can be overly complex and difficult to understand on your own. Our experienced attorneys understand the various strategies that insurance companies may use to delay or even possibly deny your claim.

The lawyers at Stormlex Law Group are not intimidated by the insurance companies and any of the techniques that they may attempt to use to avoid paying a fair amount for your claim. We are familiar with these tactics, and we know how to combat them. Contact our law office today by calling (877) 890-6372. We are happy to schedule a free consultation so that you may speak to one of our hurricane damage attorneys who can explain your legal rights and options and how to best pursue your potential case going forward.

Is Flooding Caused by Hurricanes Covered Under a Standard Homeowners Insurance Policy?

Many victims of hurricanes mistakenly believe that the rapid rise of floodwaters brought on by hurricanes is covered in a standard homeowners’ insurance policy. However, this is not always the case. Flood insurance is usually an add-on or standalone policy and is not included in your regular coverage, especially if you live in an area that is prone to floods or heavy storms, such as San Antonio.

Typically, any loss that you may suffer to your home or property caused by wind or falling debris is covered by a standard homeowners insurance policy. However, water that comes in because of an overflowing water source or flooding is generally not part of this policy. Examples of this include flooding from a large body of water, such as a river or lake, or a storm surge that is not covered.

This is one reason why it is critical that you understand what your policy says and whether any loss you sustain that is determined to be caused by flooding from water that rises up from the bottom up is covered.

Because the city of San Antonio is well inland, the risk of flooding from storm surge is very minimal, but flash floods can and do occur and can cause thousands of dollars in damage to your home or business. Periodically evaluating your homeowner’s insurance policy is always a good idea to be certain that the coverage you do have is suitable for your needs.

Why Should I Hire a Hurricane Damage Attorney to Assist Me With My Property Damage Claim in the San Antonio Area?

Oftentimes, many victims of hurricanes do not fully understand their legal rights when it comes to dealing with the insurance company after they have filed a claim for their losses. Most policyholders want to believe that if they faithfully pay their premiums when the issue of a property damage claim does arise, they will receive fair compensation.

Sadly, this is not always the case. Property owners may not realize that they need the assistance of a skilled lawyer who can fight for their rights. Insurance companies commonly seek to pay claims based on what will best benefit their company in terms of profit. Frequently, this means underpaying or denying insurance claims altogether.

Many clients have shared that they initially assumed they couldn’t afford an attorney and legal support. At Stormlex Law Group, we work on a contingency fee basis. This means you don’t pay us anything upfront. We only get paid if we win your case. This allows you to pursue the compensation you deserve without worrying about out-of-pocket legal fees. In fact, in most cases, we’re able to recover significantly more than what the insurance company initially offered, often enough to cover legal fees and still put more money in your pocket.

How Long Do You Have to File an Insurance Claim for Hurricane Damage in Texas?

In most cases, you have two years from the date of the damage to file an insurance claim, but this depends on your policy. The deadline may be shorter in some cases. However, just because you have this time to file doesn’t mean you should wait. Repair work can’t begin on your home or business until the claim has been approved by your insurance company, and this can be a surprisingly lengthy process. Filing a claim as soon as possible after a hurricane can expedite this process and help you get back into your home or business sooner.

Contact Stormlex Law Group Today

The attorneys at Stormlex Law Group are committed to fighting for the rights of insurance policyholders who feel that they have not received full and adequate compensation for the losses that they have sustained due to hurricane damage. If you feel that you are not being treated fairly by the insurance company, call us at our law offices at (877) 890-6372 and arrange a time that you can come and speak with a member of our legal team. We look forward to assisting you!