Call a Texas hurricane damage claims lawyer if a storm has left your property in ruins. When hurricanes tear through your area, they don’t just damage buildings – they upend lives.
We’ve seen it all: roofs ripped away, homes flooded, businesses shuttered. Behind each broken window is a family or entrepreneur facing a mountain of bills and a maze of insurance paperwork.
Our firm cuts through the red tape. We know the tricks insurers use to lowball claims after disasters. We’ve gone toe-to-toe with every major carrier in Texas, and we don’t back down.
Time isn’t on your side after a hurricane. Evidence fades, deadlines loom, and bills pile up. Don’t let crucial days slip by. Call us now at (713) 597-6377 or send us a message for a free, no-obligation review of your case.
Why Choose Callender Bowlin
When you’re dealing with a hurricane damage claim in Texas, you need attorneys who understand the unique challenges our state faces. At Callender Bowlin, we’ve stood shoulder-to-shoulder with Texans from Galveston to Corpus Christi, from Port Arthur to South Padre Island.
We’ve seen firsthand the devastation hurricanes bring to our coastal communities, including:
- Galveston: Still haunted by the 1900 storm, battered again by Ike in 2008
- Houston: Swamped by Harvey’s record-breaking rainfall in 2017
- Rockport: Nearly wiped off the map by Harvey’s initial landfall
- Beaumont-Port Arthur: Flooded by Harvey and pummeled by Laura in 2020
- Corpus Christi: Narrowly escaped Harvey’s worst, but often in the crosshairs
Our experience isn’t limited to recent storms. We’ve helped Texans rebuild after Rita, Ike, Dolly, and more. We understand how each area’s unique geography affects storm damage and insurance claims.
We don’t just know the law – we know Texas. We’ve seen how storm surges can devastate the Bolivar Peninsula while Galveston’s seawall still stands. We understand why wind damage in Corpus Christi differs from flood damage in Orange.
When you work with us, you’re getting straight-talking Texan attorneys who’ll break down complex legal jargon into plain language. We’ll be upfront about your case’s strengths and fight tenaciously to maximize your recovery. This isn’t just business for us. It’s about helping our fellow Texans stand strong in the face of nature’s fury.
How Can We Help You In A Hurricane Claim?
When you’re facing hurricane damage, our firm steps in to make the claims process smoother. Here’s how we assist our clients:
Policy Review: We’ll comb through your insurance policy to understand your coverage.
Damage Assessment: Our team works with experts to thoroughly document all hurricane-related damage.
Claim Filing: We handle all paperwork, ensuring your claim is filed correctly and on time.
Negotiation: We deal directly with insurance adjusters, pushing for the maximum payout you deserve.
Dispute Resolution: If the insurer lowballs or denies your claim, we’re ready to fight back.
Contractor Coordination: We can help vet and coordinate with reliable contractors for repairs.
Additional Claims: We’ll identify if you qualify for government assistance or other claims.
Legal Action: If necessary, we’re prepared to take your case to court.
Ongoing Support: We’re here to answer questions and guide you throughout the entire process.
Our experienced hurricane claims attorneys are ready to protect your interests and help you rebuild.
What Should I Do After A Hurricane?
After a hurricane, taking the right steps can protect your safety and strengthen your insurance claim. Here’s what to do:
- Ensure safety before returning home. Wait for official clearance from local authorities. Floodwaters, downed power lines, and unstable structures pose serious risks.
- Document all damage extensively. Take photographs and videos immediately upon return. Capture both exterior and interior damage, including close-ups of affected areas and wide shots for context.
- Implement temporary repairs. Cover roof holes and wall breaches to prevent further damage. Use tarps, plywood, or other materials to protect your property from additional water intrusion.
- Retain all receipts. Keep records of repairs, temporary housing, and storm-related expenses. This documentation is crucial for insurance claims and potential tax deductions.
- File your insurance claim promptly and contact your insurance provider as soon as possible. Early reporting can expedite the claims process and demonstrate your proactive approach.
- Beware of potential scams. Verify the credentials of contractors offering repair services. Research companies, check licenses, and avoid paying large sums upfront for promised work.
- Avoid rushed settlements. Carefully review all offers from insurance companies. Initial estimates may not cover the full extent of damage or future complications.
- Maintain a communication log. Record all interactions with insurance adjusters and representatives. Note dates, names, and key points discussed to prevent misunderstandings later.
- Consider professional assistance. A public adjuster or attorney can help ensure you receive fair compensation and handle negotiations on your behalf.
- Prioritize personal well-being. Address physical and mental health needs during recovery. Seek medical attention if necessary, and don’t hesitate to reach out for emotional support.
About Hurricane Claims in Texas
Texas, with its 367 miles of coastline along the Gulf of Mexico, is no stranger to devastating hurricanes. These powerful storms can cause widespread damage to homes, businesses, and infrastructure, leaving residents to grapple with complex insurance claims in their aftermath.
Texas Climate News reported that as the climate continues to warm, ever-more-toasty waters in the Gulf of Mexico and the Caribbean are providing more fuel for hurricanes. There’s also been increasing research on the ominous phenomenon of “rapid intensification,” in which storms can leap to fearsome strengths — sometimes in the critical 24 hours leading up to landfall, as was the case with Harvey.
Multiple studies have further documented this trend in the Atlantic and elsewhere. A 2024 paper found a global tripling in near-shore intensification rates from 1979-2000 to 2000-2020. In recent years, Texas has faced several significant hurricanes:
Hurricane Nicholas (2021): Made landfall as a Category 1 hurricane, causing extensive flooding and power outages along the Texas coast.
Hurricane Laura (2020): While it primarily impacted Louisiana, Laura caused significant damage in Southeast Texas, with wind speeds up to 150 mph recorded at landfall.
Hurricane Hanna (2020): The first hurricane of the 2020 Atlantic season, Hanna brought heavy rainfall and flooding to South Texas.
Notable Hurricane Insurance Settlements in Texas
While specific settlement amounts are often confidential, some recent cases highlight the challenges Texans face when dealing with hurricane insurance claims:
- In 2022, the Texas Department of Insurance reported that insurers paid over $10.3 billion in claims related to Hurricane Harvey (2017), demonstrating the long-lasting impact of major storms [4].
- A 2021 class-action lawsuit against the Texas Windstorm Insurance Association (TWIA) resulted in a $135 million settlement for policyholders affected by Hurricane Harvey.
- In 2020, the Texas Supreme Court ruled in favor of policyholders in a case against USAA Texas Lloyd’s Company, setting an important precedent for interpreting concurrent causation clauses in hurricane insurance policies.
These examples underscore the complexity of hurricane insurance claims and the importance of experienced legal representation when dealing with insurers.
Latest Updates on Hurricane Beryl 2024
Hurricane Beryl slammed into the Texas Gulf Coast recently, making landfall near Matagorda with sustained winds of 80 mph. The National Hurricane Center warns of ongoing dangers: life-threatening storm surges, damaging wind gusts, and flooding rainfall continue to batter southeastern Texas. Texas residents should remain vigilant and follow local emergency instructions.
Beryl’s toll is mounting, according to NBC News. Several fatalities are now attributed to the storm, including one in Harris County, where a fallen tree claimed a life. Over 2 million customers across the region are without power, a situation that may persist in Texas for days.
For those returning to assess damage, caution is paramount. Document everything thoroughly before beginning the cleanup. If you’re facing insurance claim issues in Beryl’s wake, know that you’re not alone. Our firm stands ready to advocate for Texas residents, ensuring fair treatment from insurers in these trying times.
Types of Hurricane Claims in Texas
Our firm has witnessed Texas bear the brunt of multiple hurricanes. We’ve stood with local families and businesses as they pieced their lives back together after these storms.
Each hurricane brings its own set of challenges, and over time, we’ve encountered nearly every type of claim imaginable, such as:
Wind Damage: Hurricanes bring powerful winds that can tear off roofs, shatter windows, and topple trees. These claims often involve structural repairs, replacement of damaged siding, and fixing interior damage caused by wind-driven rain.
In certain Texas regions, you might need a separate policy for wind-related damages. While most wind coverage comes from private insurers, some coastal areas offer an alternative. If your regular homeowners insurance doesn’t provide wind coverage, you can turn to the Texas Windstorm Insurance Association (TWIA) for protection.
Flood Damage: Standard policies typically exclude flood damage from storms or hurricanes. To safeguard your property, consider purchasing flood insurance through FEMA’s National Flood Insurance Program (NFIP).
Key points about NFIP policies:
- There’s a 30-day waiting period;
- Coverage extends to direct physical losses to both your structure and personal belongings.
Business Interruption: For many of Texas’s businesses, hurricane damage can mean lost income. These claims seek compensation for revenue lost during closures and repairs.
Vehicle Damage: Flooding and flying debris can wreck cars, trucks, and boats. Comprehensive auto insurance usually covers hurricane-related vehicle damage.
Additional Living Expenses: If your home becomes uninhabitable, your policy may cover temporary housing costs. These claims can include hotel bills, rent, and even meal expenses.
Mold Remediation: The humid Gulf Coast climate makes mold growth a common issue after flooding. Some policies cover mold removal and repairs, but coverage limits vary widely.
Debris Removal: Clearing downed trees and storm debris can be costly. Many policies include coverage for this necessary step in the recovery process.
Personal Property Loss: From furniture to clothing, hurricanes can destroy personal belongings. Documenting these losses thoroughly is crucial for fair compensation.
Each type of claim requires specific documentation and often involves complex policy language. Having an experienced attorney from Callender Bowlin can help ensure you’re not overlooked in any category of damage you’ve suffered.
Insurance Carriers in Texas: Know Your Options
Many Texas residents have found themselves underinsured after storms like Hurricane Beryl. When facing hurricane damage, understanding your insurance carrier is crucial.
Texas has a diverse insurance market, with several major players serving our coastal communities. Here’s a rundown of common carriers and what you should know:
State Farm: The largest insurer in Texas, known for comprehensive coverage but often requiring separate policies for wind and flood.
Allstate: Offers a range of policies, including specific hurricane deductibles. Be aware of their claim filing deadlines.
USAA: Popular among military families, USAA often includes some wind coverage in standard policies.
Farmers Insurance: Known for bundling options, but carefully review their hurricane exclusions.
Texas Windstorm Insurance Association (TWIA): A last-resort option for coastal residents who can’t get wind coverage elsewhere.
National Flood Insurance Program (NFIP): The primary source for flood insurance, which is separate from standard homeowners policies.
Remember, the fine print matters. Our firm has extensive experience dealing with each of these carriers in hurricane claim disputes. If you’re unsure about your coverage or facing claim denial, talk to a seasoned lawyer from Callender Bowlin.
From interpreting policy language to negotiating fair settlements, we’re here to level the playing field. Schedule a consultation with us today for a review of your policy and claim.
Role of a Specialized Attorney
Suffering from hurricane damage can be very distressing, and not knowing the steps to take to move forward and recover can make it overwhelming and even more draining. Fortunately, you don’t have to do it alone.
By hiring a hurricane damage claims lawyer, you will be able to move with ease. An experienced law firm can help you with:
- Documenting losses
- Assessing damages
- Preparing and completing paperwork for your hurricane damage claim
- Filing your claim
- Negotiating with the insurance company on your behalf
- Appealing claim denials
- Filing a civil lawsuit against the insurance company
Working with a Local Hurricane Claims Lawyer
A local Texas hurricane claims lawyer can make a significant difference in the outcome of your case:
They will ensure that your rights are being protected
A hurricane damage claims lawyer has the legal knowledge and expertise. They are well-versed with the law and as your attorney, they will ensure that you understand your rights and that you are being properly compensated for the damages your property has sustained.
They can review your insurance policies
Insurance policies dictate which losses you are entitled to compensation. By having a hurricane damage lawyer by your side, you will be able to better understand the key details of your insurance policies and possibly identify more recoverable losses.
They can help gather evidence and prove your losses
Most insurance companies will try to trick you into accepting a lowball offer. With the help of a hurricane damage lawyer, you will be able to provide your insurers with essential evidence proving your losses as well as their costs.
As a result, you will be able to avoid accepting insufficient compensation for the damages and losses and secure an even better settlement.
Call A Texas-based Hurricane Claims Lawyer Now
Don’t face the insurance companies alone. Suffering hurricane damage in Texas is stressful enough without battling for fair compensation. Our local team knows the critical aspects of the state’s insurance laws and the unique challenges our community faces after storms.
We’re ready to review your case today. There’s no cost for an initial consultation, and we only get paid if you win. Remember, time limits apply to hurricane claims. The sooner you act, the stronger your case.
If you or a loved one has suffered any hurricane or storm-related damage, call (713) 597-6377 now or send us a message. Our compassionate team is always available to assist you.
