Hurricane Harvey is the most expensive and costliest storm in US history. The cost to the US economy of this hurricane is estimated to be over $190 Billion and will cause a devastating impact on hundreds of thousands of Texans. Many of these families and businesses have insurance that should help them recover from the hurricane, however, just having insurance does not guaranty that these families and businesses will be justly compensated for the damages that they have suffered. The Insurance Industry makes money by delaying and denying legitimate Hurricane Harvey insurance claims. The longer an insurance company can delay or the more they can deny a claim, the more money the insurance company can keep. For this reason many insurance companies set up traps for claimants that are not familiar with the claims process. As such, it is almost always a good idea to keep a complete record of all communications with an insurance company when filing a claim and to make sure you have read and are familiar with any insurance policy under which you are seeking a claim. It is also often a good idea to hire an attorney to help review your policy and claim to make sure that it is properly filed to maximize your recovery.
If you have an insurance claim or need to file an insurance claim regarding property damage to your home or business and/or a serious injury or death of a loved one, please feel free to submit an inquiry or send an e-mail to Texas Hurricane Harvey Insurance Claim Lawyer Jason Coomer at TexasInsuranceLawyer@texaslawyers.com.
Texas Hurricane Harvey Insurance Claims
Texas Hurricane Harvey Insurance Claim Lawyer Jason Coomer commonly works with other Texas Hurricane Harvey Insurance Claim Lawyers to assist families and businesses seek compensation from insurance companies for storm and hurricane damage including the following:
If you have significant damage to your home or business, it is important to begin itemizing and documenting the damages that you have suffered. This documentation can often be the key in proving and obtaining compensation under an insurance policy. Please also keep in mind that some insurance adjusters will do whatever they can to take advantage of injured people, the family of a person that was killed, or people that have lost their home, possessions, or business. They often make low ball offers when they know claimants are hurting for money. During the process the adjusters gather evidence and find ways not to pay the hurricane damage insurance claims. The result of these tactics is that the insurance companies get to keep more of their money and injured or damaged individuals do not get the compensation that is do them from the storm damage. This is why hiring a Texas insurance claim lawyer to assist you with your hurricane flood damage claim is often a good idea.
Homeowner's Insurance Claims
Hurricane Harvey Homeowner's Insurance first party claims can also be complicated insurance claims in that most people do not read their homeowner's policy until something bad happens. Once they do read the policy, they quickly see that the policy has complicated insurance language including an adjuster favorite "exclusion". Determining what these policies actually cover can be extremely tricky. When interpreting these insurance contracts it is important to know that there is a big difference in an insurance agent who sells you the policy and the insurance adjuster who determines if and when your claim gets paid. Be careful what you say to your adjuster and make sure that you have a copy of your policy. Insurance adjusters don't always give out policies and usually do not tell you when they see a legitimate claim. The claimant typically has to read the policy and prove the claim themselves. It is often helpful to hire an attorney familiar with homeowner's insurance claims to assist with an insurance claim including fire damage, water damage, burglary, theft, flooding, or storm damage.
Hurricane Harvey Loss of Business Claims and General Commercial Insurance Claims
Whether you are a business or injured by or at a business commercial insurance claims can be difficult and complicated insurance claims. These claims are typically fought hard because the policy limits are typically a million dollars or more. These commercial policies can be extremely complicated and can include loss of business coverage, inventory coverage, and personal injury coverage.
Hurricane Harvey Loss of Livestock and Loss of Crops
Whether you are a farmer or rancher loss livestock and crop insurance claims can be difficult and complicated insurance claims. These claims are typically fought hard because the policy limits are typically high value. These livestock and crop policies can be complicated. Texas insurance claim lawyer Jason Coomer can assist you with maximizing your claim.
As a business owner there is nothing worse than having an employee negligently cause a death or serious injury or having your entire inventory destroyed by a storm like Hurricane Harvey and then learn that your insurance company is denying coverage and refusing to provide a legal defense on the claim. These situations have become more common over recent years as insurance companies have found that it is often easier to deny coverage on policies that they write or send a reservation of rights letter to their insured, than to pay or fight a legitimate claim for hundreds of thousands of dollars.
As a person injured by a business, you are typically not only attempting to seek compensation from the business, but have to fight an insurance company whose main goal is to delay and deny claims to avoid having to pay money or compensation to claimants. The policies are rarely produced unless a suit has been filed and it is even more rare for the policy limits on these claims to be paid unless a lawsuit has been filed.
Personal Injury Insurance Claims
Personal Injury Insurance claims are some of the most complicated insurance claims and can be difficult for a lay person to obtain a reasonable settlement. This is because there are several different types of insurance, damages can be hard to calculate, it can be difficult to prove liability, and adjusters are familiar with legitimate defenses as well as some not so legitimate reason not to pay. Some of the main types of insurance coverage triggered in personal injury claims include automobile liability insurance, personal injury protection, medical pay, underinsured motorist coverage, uninsured motorist coverage, commercial liability insurance coverage, and homeowner's liability insurance coverage. For the lay person it is difficult to determine which insurance is triggered when and what limits apply. Lay people also often have trouble calculating what damages apply to which policy, if subrogation interests apply, and how to prove liability. For this reason it is often beneficial for injured claimants to hire an insurance lawyer that is familiar with personal injury insurance claims to help them investigate and negotiate their claim.
The Insurance Industry Reaps Huge Profits at the Expense of Harvey Flood Damage Claimants
The Insurance Industry including Allstate, State Farm, Farmers, USAA, and Progressive have made billions of dollars over the past several years. These record profits have occurred despite many Americans suffering huge losses from major hurricanes, tropical storms and other disasters. A main reason for this profitability in the insurance industry is the aggressive procedures Allstate, State Farm, Farmers, USAA, Progressive and many insurance companies have installed to deny and delay paying claims. This tactic of denying and delaying payment of claims has helped the insurance industry to obtain billions in profits. It also has taken money from Texas families and businesses that have suffered the loss of a loved one, serious injuries, loss of home and possessions, or covered business losses.
Despite huge profits the insurance industry continues to find ways to not pay legitimate claims. CNN recently did a news story on Allstate and Farmers Insurance strategy of denying, delaying and defending all small claims regardless of the validity of the claim. In defending all insurance claims, the insurance companies spend millions of dollars defending small claims in a hope that most injured claimants or damaged claimants will give up or accept a settlement of pennies on the dollar. As most injured people do not want to fight a large insurance company or have the resources to survive when they can't work or have lost their home or business, many people with legitimate insurance claims have to accept low settlements.
Texas Insurance Lawyer Jason Coomer reviews insurance claims and fights for Texans that have legitimate Hurricane Harvey insurance claims that have been wrongfully denied by insurance adjusters. Many times having a Texas insurance claim attorney that is familiar with the dirty tricks insurance adjusters use in denying or delaying payment of legitimate claims, can force an insurance adjuster to pay reasonable compensation on a flood damage or other hurricne damage claim.
Insurance Companies Pay Millions for Insurance Adjusters and Lawyers
The Insurance Companies spend millions of dollars to avoid paying reasonable compensation on legitimate claims. They have insurance adjusters and lawyers to protect their money and profits. Many of these insurance adjusters and some insurance lawyers will look for any excuse or reason to avoid paying fair compensation to those seriously injured or the families of persons killed in an accident. The insurance companies often prefer to pay as little as possible on legitimate accident claims when they can get away with it. If you don’t have a lawyer and have been offered compensation on a current claim, it is possible that you are eligible for cash damages many times what is being offered. Hiring an attorney especially in catastrophic damage cases can greatly increase the amount that you recover in your claim for damages.
Austin Texas Insurance Lawyer Jason Coomer has years of litigation experience and the necessary knowledge to make sure that insurance companies pay reasonable compensation on legitimate claims. Making insurance companies fully compensate claimants under Texas law is important and requires special know how, experience, hard work, and determination. Texas Insurance Lawyer Jason Coomer has helped those that have suffered flood damage, storm damage and fire damage obtain compensation for their losses. He prides himself on successfully battling large insurance companies and big businesses to make sure they pay fair and reasonable compensation for damages caused by drunk, reckless, careless, or negligent drivers and on other insurance claims including fire claims, flood claims, water damage claims, loss of crop or livestock cliams and loss of business claims. He handles insurance claims in Texas and often works with other Texas Insurance Claim Lawyers in and around the Texas Gulf Coast, South Texas, East Texas, Central Texas, Houston, Dickinson, Rockport, Port Aransas, Corpus Christi and Galveston.
Please feel free to contact Texas Hurricane Harvey Insurance Claim Lawyer Jason S. Coomer for additional information on an insurance claim relating to Complete Destruction to your Property; Flooding; Damage to your Roof; Water Damage; Structural Damage; Fire Damage; Wind Damage; Loss of Personal Items; Loss of Business Inventory and Property; Loss of Business Profits, and loss of livestock or crops. Don't think that if you have suffered serious injuries, lost a loved one, have significant business damages, or have lost your home and possessions that the insurance industry or an insurance adjuster will take care of you or voluntarily pay you for all the damages that you have suffered including medical bills, lost wages, pain and suffering, impairment, disfigurement, and other damages that you have suffered. They probably won't. In fact, many insurance adjusters will offer low settlement amounts hoping that you will sign away your claim prior to knowing the full extent of your damages. Some insurance adjusters will even delay and allow the statute of limitations to run in an attempt to relieve the insurance company of any liability. It is often a good idea to seek the services of a good Texas insurance claim lawyer/attorney to assist you in seeking fair compensation for your Hurricane Harvey claims.