Texas Property Damage Attorney

Texas Property Damage AttorneyYour home is your castle. It is where you and your family eat, play, and spend time together. When you lay your head down on your pillow each night, you can relax in the knowledge that if your house is ever damaged, your insurance company will make sure that everything is restored to normal as quickly as possible.

In reality, however, the system doesn’t always work quite so smoothly. Too often, insurance companies drag their feet on paying out on property damage claims. As a result, Texas families are often left to cover the cost of repairs without any financial assistance.

If you ever find yourself in this unenviable position, the experienced lawyers here at Lorenz & Lorenz, LLP can help. We will use our knowledge of insurance law to get you the compensation you deserve. Give us a call today to set up a free consultation with one of our skilled property damage attorneys.

How the Lorenz & Lorenz, LLP Legal Team Can Help with Your Property Damage Case

When you hire one of our property damage lawyers, you can expect us to assist you with your case in the following ways:

Communicating with Your Insurance Company

closing dealInsurance companies have a remarkable ability to make simple processes unnecessarily complex. As such, when you contact them to file a claim, you will likely receive a response that is packed full of jargon and complex legal phrases. They are hoping that you will struggle to understand and will choose to drop your claim instead of dealing with their complicated language.

The experienced attorneys at Lorenz & Lorenz, LLP have been dealing with difficult insurance companies for years. As a result, we know exactly how to navigate their difficult processes and communicate with them in an effective manner.

Proving Your Property Damage

In many ways, property damage cases can be just like any other legal issue. If you wish to successfully recover compensation, you will probably need to prove that your home was damaged. You will also need to show that the damage occurred in the manner outlined in your claim.

When you hire one of our knowledgeable lawyers, we will take care of the evidence-gathering process. We understand exactly what your insurance company will need to see before they will cut you a check.

Calculating the Value of Your Damaged Property

cashTo restore your home to its former glory, you will need to receive a check from your insurance company that is equal to the value of the damaged property. Unfortunately, some insurance companies will initially offer a compensation package that is far below the costs of repair. They do this in the hope that you will not know the true value of your damage and will be willing to accept anything they give you.

If you hire a Lorenz & Lorenz, LLP attorney, we will inspect the damage to your home and calculate the cost of repair. We will then communicate this information to your insurance company to ensure that they do not try to short change you.

Filing Necessary Paperwork

Filing an insurance claim is an extremely paperwork-heavy process. In the aftermath of your property damage, you probably won’t have the time or energy to deal with it all. You will most likely be more focused on moving your family into a temporary apartment or hotel room.

When you work with one of our lawyers, you won’t need to worry about paperwork. We will take care of it all on your behalf, allowing you to concentrate on getting things back to normal for you and your family.

If you would like to experience the many benefits of working with a Lorenz & Lorenz, LLP attorney, all you need to do is give us a call. We would be happy to schedule a free consultation to discuss your case.

Common Causes of Property Damage Claims in Texas

There are a wide variety of factors and external influences that can cause your home to become damaged. Some of the most common include:

Natural Disasters

Lightning strikes, hurricanes, tornadoes, and floods can all cause significant damage to your Texas home. In many cases, they may make the property completely unliveable and unsalvageable. If a natural disaster has struck your house, and your insurance company is refusing to pay out, please contact us as soon as you can.

Construction Defects

Some houses are doomed to fail from the moment that they were built. Improper construction practices can lead to sinking foundations, poorly draining roofs, and a host of other serious issues. If the defects are particularly bad, the home may even need to be torn down and reconstructed from scratch.

Faulty Repairs

When you hire someone to repair an issue with your home, you expect them to make it more structurally sound. Unfortunately, if your chosen repairman does not follow proper procedures, they can actually make your home less safe and more prone to structural issues. To file a compensation suit in the wake of shoddy repairs, please contact the Lorenz & Lorenz, LLP team today.

Vehicular Damage

Having your house struck by a car, truck, or delivery van can be a startling experience. However, it is one that thousands of Americans go through every year. Depending on the exact nature of the accident, vehicular damage can be contained to just one room in your home or it may impact the entire property.

No matter how your home was damaged, the Lorenz & Lorenz, LLP legal team is always here to help you seek the compensation you deserve. Contact us today to schedule a free consultation with one of our experienced lawyers.

Property Damage After a Car Accident

Car accidentAuto accidents are also a common cause of personal property damage, and not just the car itself. People drive around with all kinds of valuables, such as laptops, electronics, and furniture. These items can sustain just as much damage as the cars when a crash occurs. Even jewelry or expensive sunglasses may be damaged beyond repair in the aftermath of a collision.

If you are involved in a wreck due to another driver’s negligence, your first concern is most likely for your own safety and wellbeing. But you can also pursue compensation for the value of the property that was lost or destroyed.

This remains true if you are a pedestrian or cyclist involved in an accident.

Statute of Limitations on Property Damage Claims in Texas

Section 16.003(a) of the Texas Civil Practice and Remedies Code sets the statute of limitations on property damage claims at two years. This means that you must begin the claims process within two years of the date that your home was damaged.

If you don’t act quickly, you could forfeit the right to recover meaningful compensation. The best thing you can do is contact an experienced Texas personal injury lawyer for help as soon as you can.

Common Reasons for Property Insurance Claim Rejections in Texas

When rejecting your compensation claim, the insurance company is likely to point to one of the following reasons:

Missed Deadlines

In an effort to invalidate your claim, the insurance company may state that you missed a key filing deadline. If you are not familiar with the law, you may be inclined to believe them and move on with your life instead of pursuing the case. In fact, this may be exactly what they are hoping you will do.

At Lorenz & Lorenz, LLP, we never take insurance companies at their word. If they insist that a filing deadline has passed, we check to make sure they are correct. If they are wrong, we will re-file the claim, along with a summary of the actual expiration dates.

Uncovered Damage

It is not unusual to see insurance companies claim that the type of damage that occurred to your property is not covered in their policy. This issue is particularly common when the damage was caused by an “Act of God” like a tornado or an earthquake. Of course, the insurer may not be telling the truth about your coverage.

The experienced lawyers here at Lorenz & Lorenz, LLP can carefully study your policy documents to gain a better understanding of exactly what you are covered for. Your insurer may be incorrect to deny your claim due to uncovered damage. We will direct them toward the sections in your policy that confirm your coverage.

Neglect

To get out of paying you a check, insurance companies sometimes claim that your property damage was caused by your negligence. They will state that your failure to properly maintain the house is the main reason why it is damaged. Proving this claim to be untrue can sometimes be a little bit tricky.

Fortunately, the knowledgeable attorneys here at Lorenz & Lorenz, LLP have dealt with numerous cases like this in the past. As such, we know exactly how to show that you kept your home in excellent condition. By gathering photographic evidence, retrieving service records from licensed contractors, and taking witness statements from your neighbors, we can prove that you were not at fault for the damage to your property.

Failure to Pay the Premium

In rare cases, insurance companies may attempt to deny your claim based on the fact that you never paid your premium. Of course, proving this statement to be false is usually a fairly trivial matter. Our attorneys will take a look through your financial records, find the confirmation of premium payment, and let the insurer know that their rejection is not valid.

You are likely to see your compensation check arrive fairly quickly after this communication occurs.

Your Texas Property Damage Legal Team

Here at Lorenz & Lorenz, LLP, we are proud to have helped countless Texans recover much-needed compensation after their homes were damaged. If you need us, we will be there for you too. Just contact us today to set up a free consultation with one of our experienced attorneys.