national insurance claim lawyers
We won’t settle for denials, delays, or unfair compensation on your property damage claims
Insurance exists for a reason. We, as policyholders, pay those costly premiums to the insurance company - and in return we get some assurance that we are protected if the unexpected should ever occur. We put good faith in our coverage and expect to be fairly considered when we make a claim. Unfortunately, not all insurance companies uphold their end of the bargain.
Some insurance companies outright deny, reduce, or delay your claims without proper cause. Although they've paid for insurance coverage, many individuals feel like they have to dip into their savings to fully recover their losses. Others don’t even have the savings to dip into. We know this is wrong, and we're here to help. At Galindo Law, we will be your voice against tough insurance companies.
we challenge claims that are denied, delayed, or underpaid
We are relentless and passionate in getting recovery for our clients, winning awards for things such as:
-
The actual amount of your damages
-
Attorney’s fees, interest, and court costs that can arise from having to litigate
-
Up to 3 times your actual damages by proving the insurance company “knowingly” violated insurance code
-
Mental anguish
-
Punitive damages
You shouldn’t have to settle for less on your storm damage claim
Our specialized storm division has represented tens of thousands of injured individuals and property owners for property damage due to storms: hurricanes, hail, tornadoes, wind, fire, and more. These types of natural disaster events are often disastrous and leave a wake of destruction that interrupts business, cause personal injuries, and create extensive property damage. At Galindo Law, we know that you shouldn’t settle for less from your insurance company, especially when you need it the most.
some common struggles
you'll find with insurance claims:
-
Delayed scheduling of an inspection
-
Requiring multiple inspections of your property
-
Additional documentation is repeatedly requested
-
Untimely responses to your questions, concerns, phone calls, and messages
-
Overbooked insurance adjusters have little time to properly inspect each property
-
Many property damages are overlooked or omitted when preparing the initial report
-
Some damages require proof or receipts that you do not have or lost in the hurricane
-
Estimates fail to factor in necessary pricing for the construction (logistics, materials, cost of labor, environmental, etc.)
-
Claim values only offer a patch to the damages, versus fully restoring or replacing them
-
Wrongful denial or unproper investigation of damages under the policy terms
-
The insurance company says you lack the proper evidence of damage
-
They attempt to find reasons for the denial of a claim such as a pre-existing condition
-
Paying you as little as possible to protect their profits
We battle against ACTS IN BAD FAITH
Conduct and acts in bad faith by insurance companies are against the law. Courts can require acts in bad faith punishable to pay penalties, as well as additional damages. Complying with the law obligates insurance companies to investigate, estimate, and promptly pay their claims in good faith. Acts in bad faith can include:
-
Misrepresenting policy terms
-
Wrongful denial of a claim
-
Underestimating the value of damage
-
Fabricating exclusions or requesting unnecessary documentation
-
Not paying the full amount or delaying settlement checks
-
Lack in communication with the policyholder
-
Rejecting or omitting damages or refusing reinspection of the property