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Our experienced attorneys will be by your side regardless of your legal needs. You may be struggling with how to move forward following an unfortunate event, or perhaps the insurance claims process is becoming complicated. We assure you that we will provide guidance for dealing with your situation, and we will take good care of your most vital legal needs and concerns.
When we take your case, we are prepared to advocate on your behalf and bring the case to court if necessary, but don’t assume that going to court is the only option. While this might be the optimum choice in some situations, we consider it to be a secondary approach if settling out of court makes more sense. Primarily, we will examine avenues to resolve the case outside of the courtroom. Negotiation, mediation, or arbitration are alternatives to litigation. However, if going to court is in your best interests, our attorneys have the experience and knowledge to successfully handle your case in court.
Our focus is to help you navigate the complexities of insurance claims and seeking recovery for injuries. However, people choose us for more reasons than these. We want our clients and their families to be positioned on a path by which they can pursue their lives happily following an unfortunate event. We will counsel you on steps you can take to steer clear of obstacles and threats to your interests going forward.
One of the most common and complex questions we hear from Texas business owners is: “How do I figure out what my insurance company actually owes me?” The answer lies not only in the policy itself, but in careful financial calculations—and that’s where most claims can go sideways without the right help.
Business interruption insurance is designed to restore your business to the financial position it would have been in had the disruptive event (like a fire, flood, or hurricane) never occurred. But calculating that number isn’t as simple as looking at last month’s profit and loss statement.
Every policy is different, but in general, the following are often covered:
Here’s the catch: Many insurance policies contain detailed instructions or formulas for calculating these losses—and most business owners understandably aren’t experts in forensic accounting. That’s why working with a legal team experienced in business interruption claims is crucial.
At McLaurin Law, we combine our legal knowledge with financial acumen to analyze your losses, apply the policy’s terms accurately, and help maximize your recovery. I even worked as an economist before becoming an attorney, so I understand both sides of these complex claims. When needed, we also bring in forensic accountants to build strong, numbers-backed claims that can hold up in negotiations or court.
Q: Can I calculate the amount I’m owed on my own?
A: You can try, but most business owners find the policy language and formulas difficult to interpret without legal or accounting support.
Q: What if I’ve already submitted a claim and it was denied or underpaid?
A: We can review your claim, assess your losses independently, and challenge the insurer’s decision if necessary.
Q: How much does it cost to speak with your firm?
A: Consultations are always free.
📞 If you’re unsure about what your business is truly owed, don’t guess. Call McLaurin Law today for a free consultation—we’ll help you uncover the full value of your claim and fight to get every dollar you deserve.
When your business suffers an unexpected interruption—whether due to a natural disaster, utility outage, or supply chain breakdown—business interruption insurance is supposed to be your financial lifeline. But what happens when your insurance company denies your claim, delays payment, or undervalues your losses?
At McLaurin Law, we’ve helped countless Texas business owners navigate the complexities of business interruption insurance disputes. These claims aren’t always straightforward—they involve detailed policy language, precise financial calculations, and a deep understanding of what your coverage actually includes.
Business interruption coverage varies widely. Some policies cover supply chain interruptions or power outages, while others don’t. Some may include coverage for roadblocks or other access issues. The earlier you speak with a lawyer—ideally when you're choosing your policy—the better protected you'll be. And if you’re already in a dispute, getting legal help early can prevent costly mistakes.
One of the biggest challenges in these claims is proving the financial impact of the interruption. At McLaurin Law, we bring a unique skillset to the table—our team includes professionals with strong economic and financial backgrounds. In fact, before becoming a lawyer, I worked as an economist. This lets us analyze your business’s financial data in ways many firms simply can’t.
When necessary, we also work closely with forensic accountants to create detailed damage models that will hold up in court. If your business interruption claim is headed for trial, you want a legal team that understands the numbers as well as the law.
Q: What types of events are covered under business interruption insurance?
A: Coverage varies but may include utility outages, road closures, supply chain issues, and property damage-related shutdowns.
Q: Do I need a forensic accountant to prove my claim?
A: In many cases, yes—especially if your case goes to trial. Our firm works closely with experts to support your claim.
Q: What if I haven’t filed yet?
A: Contact us before you file. We can help you present the strongest claim possible from day one.
When disaster strikes your home, filing a homeowner’s insurance claim should be your safety net. But many policyholders unintentionally make mistakes that can delay or even derail their claims. At McLaurin Law, we’ve seen these mistakes time and again—and we want to help you avoid them.
At McLaurin Law, we’ve helped countless homeowners overcome these hurdles. Whether you’re in the middle of a delayed claim or want guidance from the beginning, we’re here to fight for your rights.
Q: What happens if I don’t follow my “Duties After Loss”?
A: The insurance company can delay or deny your claim until those requirements are met.
Q: Can I be reimbursed for temporary repairs?
A: Yes. Insurers typically reimburse reasonable costs spent on damage mitigation.
Q: When should I contact a lawyer?
A: If your claim is delayed, denied, or you feel overwhelmed, it’s time to get legal help.
Don’t let simple mistakes cost you your claim.
📞 Call McLaurin Law today at (insert phone number) for a free consultation. We're here to guide you—even if you don’t hire us. Get the help you need before it's too late.
At McLaurin Law, one of the most common frustrations we hear from clients is how long it takes for insurance companies to process claims. Delays can drag on for weeks, months—or in some cases—even years. Fortunately, there are steps you can take as a policyholder to help speed up the process.
If you’ve experienced property damage, the clock is ticking. Document the damage as soon as possible—ideally the same day. Take as many pictures as you can. “You can’t take too many pictures,” as we like to say. The more evidence you provide, the harder it is for the insurance company to delay the claim.
Send all relevant documentation to the insurance carrier. It’s better to send too much than not enough. Also, always follow up in writing after phone calls. If a disagreement arises later, written correspondence can protect your version of events and prevent denials based on “missing communication.”
Every policy contains a section outlining the “Duties After Loss.” This often-overlooked section includes requirements such as submitting a sworn proof of loss or participating in an examination under oath. Failure to complete these duties can give your insurer an excuse to delay—or even deny—your claim.
Q: What is a “sworn proof of loss”?
A: It’s a formal statement detailing your loss and the value of what you’re claiming. It must be signed and often notarized.
Q: Can I handle the insurance claim myself without a lawyer?
A: Yes—but if delays persist or your claim is denied, it’s a good idea to consult an attorney. Legal help can make all the difference.
Q: How soon should I start documenting damages?
A: Immediately. The sooner you document, the stronger your case.
Call McLaurin Law today at (713) 364-1895 for a free consultation. Whether or not you hire us, we’re here to help make sure your claim doesn’t get lost in the system. Don’t wait—protect your rights and your home now.
If you’ve filed a property damage claim and feel like your insurance company didn’t pay enough, you’re not alone—and you don’t have to accept it. At McLaurin Law, we regularly work with homeowners facing lowball insurance payouts. Here’s what you can do.
Insurance companies often try to reduce their risk by underpaying legitimate claims. If your claim is worth $100,000, they might offer only $30,000—counting on the fact that you won’t push back. Too many homeowners accept these offers without ever speaking to an insurance attorney. That could cost you thousands.
One of the most important steps you can take is getting a second opinion. Hire an independent adjuster or general contractor to provide a new, accurate estimate of your damages. This gives you leverage and a clear alternative to what your insurer is offering.
Submit your new estimate to your insurance company and request a supplemental payment. They may choose to pay more—or they might still deny the additional amount. If they refuse, that could expose them to a bad faith claim, which gives you even more legal options.
At McLaurin Law, we’re here to help when your insurance company isn’t playing fair. We offer free consultations and are happy to review your situation—even if you don’t end up hiring us. Our team is on standby and ready to help you fight for the full value of your claim.
Don’t let the insurance company shortchange you. Call McLaurin Law today and let us help you get what you’re owed.
A fire can leave you with devastating damage—and a complex insurance battle. At McLaurin Law, we’ve helped many homeowners and property owners in Houston recover after fire damage claims, and we know just how tricky these cases can be. Here’s how having an insurance lawyer on your side can make all the difference.
Fire damage claims often involve several different types of coverage—structure damage, personal property, loss of use, and sometimes business interruption or rental income. Without a deep understanding of your policy, you may miss out on significant compensation. We help you break down what your policy covers and ensure you're claiming everything you’re entitled to.
Insurance companies will send in engineers and adjusters to evaluate the damage. You should too. We bring in independent engineers and estimators early on to properly document the extent of your loss. This helps strengthen your claim and avoid lowball offers from your insurer.
Too often, insurers deny parts of fire claims or refuse to pay for temporary housing, lost income, or total rebuild costs. One client came to us after being told their policy wouldn’t cover temporary housing. We reviewed their policy and found over $1 million in coverage—which we helped them recover within months.
Fire claims are time-sensitive, and early legal guidance can prevent costly mistakes. At McLaurin Law, we offer free consultations and are ready to step in whenever you need us.
If your home or business suffered fire damage, don’t wait. Contact McLaurin Law and let us help you get what you’re owed.
If your insurance claim has been denied, you’re not alone—and you’re not out of options. At McLaurin Law, we regularly help clients who’ve had their legitimate property damage claims denied. Here’s what you should do next to protect your rights and possibly turn that “no” into a “yes.”
Start by collecting every piece of documentation related to your claim. This includes emails, letters, estimates, adjuster reports, and photos of the damage. Keep a detailed record of your communications with the insurance company. If their denial wasn’t provided in writing, request that they do so. That alone can sometimes cause the insurer to reconsider.
Once you have the insurer’s response, it’s time to get a second opinion. Hire a trusted estimator, engineer, or contractor to assess the damage from an independent perspective. Their report can provide the solid foundation you need to challenge the denial.
Armed with fresh evidence and expert evaluations, you can submit a supplemental claim or request a reinspection. Sometimes, you simply got an adjuster on a bad day—getting another set of eyes on your property can yield a very different result. We’ve seen cases where one adjuster offered $100,000, and another offered $330,000 for the same damage.
Don’t try to handle this alone. If your claim has been denied, call McLaurin Law. We know how to deal with insurance companies, and your consultation is completely free. Even if you don’t hire us, we’ll guide you in the right direction. Let us help you get what you’re owed.
After an auto accident, you may wonder when it’s too late to hire a lawyer. Timing is crucial, and understanding the key moments that could impact your claim is essential. Here are three situations where waiting too long could jeopardize your case.
In Texas, the statute of limitations for personal injury claims is two years. This means you have two years from the date of the accident to file a lawsuit. If you miss this deadline, you will lose the right to pursue compensation from the other driver or your own insurance company. Acting promptly ensures your legal rights are protected.
If you’re injured in an accident, it’s important to seek medical attention as soon as possible. Waiting weeks or months to see a doctor can create challenges. Insurance companies may argue that your injuries were not caused by the accident but by something that occurred during the delay. This can significantly reduce the value of your claim and make it harder to prove your case.
Many people unknowingly sign a release from the insurance company in exchange for a settlement. Once you sign, you forfeit your right to pursue further compensation, even if the amount doesn’t cover your medical expenses. Always consult a lawyer before accepting any settlement offer or signing documents from the insurance company.
The earlier you consult a personal injury attorney, the better your chances of building a strong case. At McLaurin Law, we can guide you through the process and ensure your rights are protected from day one. Call us today at 713-461-6500 for a free consultation to discuss your case and secure the compensation you deserve.
At McLaurin Law, PLLC, we’ve recently seen a surge in clients facing insurance denials due to alleged pre-existing damage. This issue has become especially prevalent in the wake of two significant weather events—Hurricane Duro and Hurricane Barrel—which occurred just months apart in Texas.
Many homeowners were in the process of repairing damages from Hurricane Duro when Barrel struck, while others experienced new damage solely from Barrel. Unfortunately, some insurance carriers have denied claims, arguing that the damage was caused during Duro and not properly reported or repaired. This tactic is being used even when the same insurer covers both events, leaving policyholders frustrated and without coverage for needed repairs.
Insurance companies have increasingly required homeowners to prove which storm caused specific damages. Without detailed documentation or expert evaluations, many claims are being rejected outright. This creates a complex and unfair situation for policyholders who are simply trying to recover from devastating losses.
The good news? You don’t have to navigate this battle alone. An experienced insurance lawyer can challenge these unfair practices, ensuring carriers honor their obligations under the policies they issued. At McLaurin Law, we understand the nuances of storm-related claims and are equipped to hold insurers accountable.
If your insurance company has denied your claim due to pre-existing damage arguments or is pressuring you to accept less than you deserve, take action now. Contact us today at 713-461-6500 to request a consultation. Let us fight for the compensation you’re entitled to so you can rebuild with peace of mind.
Call us today and let us help you protect your rights.
After an auto accident, you may wonder when it’s too late to hire a lawyer. Timing is crucial, and understanding the key moments that could impact your claim is essential. Here are three situations where waiting too long could jeopardize your case.
In Texas, the statute of limitations for personal injury claims is two years. This means you have two years from the date of the accident to file a lawsuit. If you miss this deadline, you will lose the right to pursue compensation from the other driver or your own insurance company. Acting promptly ensures your legal rights are protected.
If you’re injured in an accident, it’s important to seek medical attention as soon as possible. Waiting weeks or months to see a doctor can create challenges. Insurance companies may argue that your injuries were not caused by the accident but by something that occurred during the delay. This can significantly reduce the value of your claim and make it harder to prove your case.
Many people unknowingly sign a release from the insurance company in exchange for a settlement. Once you sign, you forfeit your right to pursue further compensation, even if the amount doesn’t cover your medical expenses. Always consult a lawyer before accepting any settlement offer or signing documents from the insurance company.
The earlier you consult a personal injury attorney, the better your chances of building a strong case. At McLaurin Law, we can guide you through the process and ensure your rights are protected from day one. Call us today at 713-461-6500 for a free consultation to discuss your case and secure the compensation you deserve.
At McLaurin Law, PLLC, we’ve recently seen a surge in clients facing insurance denials due to alleged pre-existing damage. This issue has become especially prevalent in the wake of two significant weather events—Hurricane Duro and Hurricane Barrel—which occurred just months apart in Texas.
Many homeowners were in the process of repairing damages from Hurricane Duro when Barrel struck, while others experienced new damage solely from Barrel. Unfortunately, some insurance carriers have denied claims, arguing that the damage was caused during Duro and not properly reported or repaired. This tactic is being used even when the same insurer covers both events, leaving policyholders frustrated and without coverage for needed repairs.
Insurance companies have increasingly required homeowners to prove which storm caused specific damages. Without detailed documentation or expert evaluations, many claims are being rejected outright. This creates a complex and unfair situation for policyholders who are simply trying to recover from devastating losses.
The good news? You don’t have to navigate this battle alone. An experienced insurance lawyer can challenge these unfair practices, ensuring carriers honor their obligations under the policies they issued. At McLaurin Law, we understand the nuances of storm-related claims and are equipped to hold insurers accountable.
If your insurance company has denied your claim due to pre-existing damage arguments or is pressuring you to accept less than you deserve, take action now. Contact us today at 713-461-6500 to request a consultation. Let us fight for the compensation you’re entitled to so you can rebuild with peace of mind.
Call us today and let us help you protect your rights.
Dealing with property damage is stressful enough, but what happens when your insurance provider fabricates an alternate cause to fit an exclusion in your policy? This tactic is becoming increasingly common, leaving policyholders with denied claims and mounting frustration. In this video, we discuss how insurance companies may alter the cause of your property damage, how this impacts your claim, and what steps you can take to protect your rights and receive fair compensation.
If your insurance provider is misrepresenting the cause of your property damage to deny your claim, contact McLaurin Law, PLLC at (713) 461-6500 or visit mdlawtex.com for a free consultation. We’ll guide you through the process and fight to ensure your insurance company doesn’t take advantage of you. Don’t wait—secure the compensation you deserve today!
McLaurin Law has extensive experience in holding insurance companies accountable. Contact us today to protect your rights and secure the compensation you’re entitled to!
Delays in insurance claim payments can be frustrating and financially burdensome. Whether it’s a few days or several months, it’s critical to understand your rights and responsibilities as a policyholder. Insurance companies are often legally required to process claims within a specific time frame, typically around 45 days. However, delays may occur if required documentation, such as proof of loss, hasn’t been submitted. Knowing how to respond to these delays can make all the difference in resolving your claim.
If your insurance company delays your claim, don’t face the stress alone. Contact McLaurin Law, PLLC at (713) 461-6500 or visit mdlawtex.com for a free consultation. We’ll help you identify the cause of the delay, ensure all necessary documentation is submitted, and fight to resolve your claim promptly. Don’t let delays jeopardize your financial recovery—call us today!
At McLaurin Law, PLLC, we’re here to support you every step of the way. Call us today to get your claim back on track!
When your insurance company requests an Examination Under Oath (EUO), it’s a serious step in the claims process. An EUO is a formal proceeding where you answer detailed questions under oath, often recorded, as outlined in your insurance policy. While it may seem routine, insurance companies frequently use EUOs to build cases to deny claims. Hiring an attorney can ensure your rights are protected and your claim is handled correctly.
If your insurance company has requested an EUO, don’t face it alone. Contact McLaurin Law, PLLC at (713) 461-6500 or visit mdlawtex.com for a free consultation. Our experienced team will guide you through the process, ensuring your rights are upheld, and your claim isn’t unfairly denied. Don’t let the insurance company take advantage—reach out today!
McLaurin Law is here to fight for policyholders. Contact us today for assistance with your EUO!
When filing a homeowner’s insurance claim, thorough documentation ensures you receive the compensation you deserve. At McLaurin Law, we often advise clients on what to document early in the claims process to maximize their claims. Here’s a quick guide to help you stay organized and protect your interests.
Start by taking detailed pictures of all damaged items and areas of your property. Capture multiple angles of each room and damaged personal belongings. These images serve as undeniable evidence of the extent of the damage.
Document the value of your damaged personal property. Use receipts, credit card statements, or online purchase histories from platforms like Amazon to verify the original costs or current replacement values.
Maintain a detailed log of all interactions with your insurance company, starting when you file your claim. Record the dates, times, and content of every conversation, whether in person or over the phone. Follow up verbal communications with written email confirmation to prevent misunderstandings or disputes later.
After the insurance adjuster inspects your property, obtain independent estimates for repair costs. These can help you identify discrepancies between the adjuster’s assessment and the actual cost of repairs, which is often a key factor in maximizing your claim.
Whenever possible, communicate with your insurance carrier in writing. Document phone calls by sending follow-up emails to confirm what was discussed. This helps prevent issues where the insurance adjuster may later deny or forget key details of your claim.
Proper documentation strengthens your claim and protects you from disputes with your insurance company. If you need assistance with your claim, McLaurin Law is here to help.
Schedule a free consultation today by visiting our website or calling us at 713-766-5621. Let McLaurin Law guide you toward the best possible outcome for your insurance claim.
Navigating negotiations with an insurance claims adjuster can feel overwhelming, especially after experiencing property damage. Understanding how to evaluate and advocate for your rightful compensation is at the heart of the process. Here are key steps to help homeowners negotiate effectively and ensure they receive the coverage they deserve.
After property damage occurs, the insurance carrier initiates an investigation. An adjuster will visit the property, assess the damages, and prepare an estimate. This estimate outlines what the carrier will pay. It’s essential to carefully review this document and determine if the compensation adequately covers the cost of repairs.
Once you receive the insurance company’s estimate, consider consulting with a general contractor or public adjuster. These professionals can compare the insurer’s figures to the actual costs of necessary repairs. This step ensures you clearly understand whether the proposed settlement is sufficient.
If the estimate falls short, negotiation is key. While some contractors or adjusters may help negotiate directly, ensure the person assisting you is knowledgeable and experienced in dealing with insurance companies. Poor negotiations can complicate the process, potentially requiring more extensive legal intervention later.
If negotiations stall or the insurance company continues to undervalue your claim, it may be time to consult a homeowners insurance attorney. An attorney can provide guidance, advocate, and help ensure you receive the compensation needed to repair your property thoroughly.
If you’re facing challenges with an insurance claim, don’t navigate it alone. For guidance tailored to your situation, please schedule a consultation through our contact page or call us at 713-766-5621. Acting quickly can help you secure the necessary resources to restore your home and peace of mind.
When preparing for a consultation with a property damage attorney, bringing the correct information and documents can make a significant difference in the outcome of your case. By organizing the necessary details, you can help expedite the process and provide your attorney with the tools to evaluate your claim effectively.
Start with your insurance policy. This document provides the framework for your claim, including the terms, coverage limits, and obligations. If your claim has been denied, your attorney will use the policy to determine whether the denial was proper or if there are grounds for an appeal.
Photographs and videos of the damage are crucial—document—documented areas inside and outside your property. If you've followed our advice in previous videos, you should already have a comprehensive collection of images showcasing the damage.
Develop a timeline of events, starting from when the damage occurred. Include all key points, such as when you filed the claim, the insurance company's responses, and any follow-up actions. This timeline helps your attorney understand the sequence of events and identify any potential missteps by the insurer.
Collect all written communications with your insurance carrier. This includes emails, letters, and documentation of discussions with adjusters. Providing these materials will help your attorney assess how the claim has been handled so far.
If you've received estimates from contractors, public adjusters, or other professionals, bring these to your consultation. These assessments offer valuable insight into the extent of the damage and the associated repair costs.
The more information you provide, the better your attorney can assist you. Being well-prepared ensures a productive consultation and sets the stage for an effective claim resolution.
If you're ready to take the next step in addressing your homeowner's insurance claim, schedule a consultation today by visiting our contact page or calling us at 713-766-5621. We're here to help you every step of the way.
Dealing with property damage to your home after severe weather can feel overwhelming, especially when navigating the insurance claims process. Knowing the proper steps can help protect your interests and ensure your claim is handled efficiently.
Promptly reporting your claim to your insurance company is essential. Delays can negatively impact the outcome, as insurers may use them as grounds to deny or reduce your payout. The sooner you notify them, the better your chances of a smoother process.
Homeowners are generally required to prevent additional damage to their property. For instance, if a storm damages your roof, you should arrange temporary repairs, like covering the area with a tarp. Insurance companies often cover these costs, as it minimizes their potential liability.
Accurate and comprehensive documentation is crucial for a successful claim. Take photographs and videos of all damage, including:
There is no such thing as too much documentation—capture every detail.
Keep a detailed record of all interactions with your insurance company. Whether you’re speaking with an adjuster, emailing documents, or receiving updates, log dates, times, and details of these communications. Written records can protect your interests and prevent misunderstandings.
Creating a timeline is an excellent way to stay organized—document when the damage occurred, when you reported it, and when the adjuster visited. Include notes about any repair actions or communications with your insurer.
If your claim is delayed, underpaid, or denied, seeking professional assistance can make a significant difference. Knowledgeable support can ensure your rights are protected and your claim is handled fairly.
For expert guidance with your homeowner's insurance claim, schedule a consultation through our contact page or call 713-766-5621. We’re here to help you navigate the process and secure the compensation you deserve.
If you’ve been injured on a maritime fishing boat due to someone else’s negligence, it’s crucial to take specific steps to protect your rights and maximize your claim. At McLaurin Law, we’ve handled several cases involving maritime fishing vessels, and we’re here to guide you through the process.
First and foremost, if you’re seriously injured, seek medical treatment immediately. Your health and safety come first, and severe maritime injuries often require immediate medical evacuation, sometimes by helicopter.
However, if your injuries are not life-threatening and you’re able to act, collecting evidence is vital. Here’s what you should do:
In larger incidents, it’s especially important to ensure that everything is well-documented. If you’re dealing with a situation like this, reach out to McLaurin Law for a free consultation. We’re dedicated to providing you with the best advice and representation to maximize your maritime claim.
Contact us at McLaurin Law, or call us at (713) 528-8012—we’re here to help you navigate the complexities of maritime injury claims and ensure you get the compensation you deserve.
If you’re considering filing a personal injury claim in Texas, one of the most crucial pieces of information you need to know is the statute of limitations. At McLaurin Law, we frequently receive this question from clients and potential clients alike.
In Texas, the statute of limitations for personal injury claims is generally two years. This means you have two years from the date of your injury to file a lawsuit. However, there are some exceptions to this rule.
Sometimes, injuries aren’t immediately apparent, and it may take time to discover them. In such cases, the time frame for filing a claim can be extended. Additionally, if there are other causes of action, such as breach of contract or other theories of liability, the period to file might also be extended.
While the standard time frame is two years, it’s always safest to initiate your claim well before this deadline. Complex cases can involve multiple negligent parties or identifying the correct parties to sue, which can take time. Filing early helps ensure that all necessary details are addressed and that your claim is thoroughly prepared.
If you have a personal injury claim, it’s crucial to consult an attorney as soon as possible. At McLaurin Law, we’re available 24 hours a day to answer your questions and provide the guidance you need. Contact us promptly to ensure that you’re fully informed about your time frame for filing a lawsuit and to avoid any potential issues with the statute of limitations.
Don’t wait—contact McLaurin Law today at (713) 528-8012, and let us help you navigate your personal injury claim within the required legal time frame.
If you’ve been injured from a slip and fall in a Houston grocery store, it’s important to act quickly to protect your rights and strengthen your potential claim.
At McLaurin Law, we handle many such cases and recommend the following steps:
If you need help with your slip and fall incident, contact McLaurin Law for a free consultation by calling us at (713) 528-8012. Our team is dedicated to providing the best advice and ensuring you receive the compensation you deserve. Don’t hesitate to reach out—your well-being and legal rights are our top priority.
If you’ve been involved in an accident with a truck or an 18-wheeler, it’s crucial to avoid common mistakes that could impact your claim.
At McLaurin Law, we frequently represent clients in these cases, and here are some pitfalls you should be aware of:
In addition to these steps, contacting an attorney as soon as possible can help protect your rights. At McLaurin Law, we are available 24/7 to provide guidance. We’ve had clients call us from the accident scene for immediate advice on what to do, and we’re always ready to help.
Avoid these common mistakes to ensure you have the best chance of a successful claim. For free consultations and expert advice, don’t hesitate to reach out to McLaurin Law at (713) 528-8012. We’re here to help you navigate the aftermath of a truck accident and secure the compensation you deserve.
Texas, like many other states, is a hotbed of drunk driving accidents. In 2022, 1,162 people were killed in alcohol-related collisions in Texas, or the equivalent of about three people per day.
If a drunk driver hit you on our Texas roads, you likely want justice and compensation from them. You wouldn’t have been injured had that driver not slipped behind the wheel. And if you lost a loved one in the crash, they’d still be here today.
Below, a Texas DUI attorney explains what you need to know about suing drunk drivers.
Texas takes a tough stance against drunk drivers. Accident victims are free to sue them for all damages, which may include:
Additionally, a judge may choose to award you punitive damages. These are damages intended to punish the drunk driver for their actions.
A Texas DUI attorney can tell you which types of damages you might be able to recover for your accident.
It may surprise you to know that you can also hold liquor stores, bars, and other businesses that sell alcohol accountable for the accident. This is called “dram shop liability.”
You can hold a Texas business responsible if:
You can pursue a claim against the business as well as the driver who hit you. If you’d like to know how to do this, reach out to a Texas DWI attorney.
It’s usually fairly easy to win drunk driving accident cases. When police show up at the scene, they’ll test the at-fault driver’s blood alcohol content (BAC). If it’s over the limit, they’re liable for the crash.
It never hurts to prepare yourself before filing a lawsuit. Here’s what to do:
Drunk drivers are responsible for accident-related damages, but that’s not the only consequence they face. Drivers with a DWI charge may have to do community service and temporarily or permanently lose their license. If the accident killed someone, they may even have to go to jail.
If you hit someone while intoxicated, it would be wise to contact a criminal defense lawyer right away.
Drunk drivers are responsible for causing thousands of injuries and deaths per year. If you’ve suffered injuries because of a drunk driving accident, our attorneys at McLaurin Law, PLLC will fight hard to recover damages for you.
For a consultation with a Texas DUI attorney, call 713-231-5903.
So, you’ve filed an insurance claim, and the insurance company is giving you the runaround regarding your claim. Sadly, this is an all-too-common scenario. The insurance company wants to avoid paying you so naturally, it will do everything possible to avoid doing so.
Insurance companies must act in good faith under Texas law, but not all do. If you suspect your insurance company is acting in bad faith with regard to your insurance claim, reach out to an attorney with McLaurin Law now for legal advice about the prospects of your case.
Insurance companies must act according to an implied covenant of good faith and fair dealing, often simply shortened to “good faith.” This means you agree to pay your monthly premiums, and, in return, in the event you have an insurance claim, the insurance company agrees to act in good faith when investigating, adjusting, and settling, or paying out your insurance claim.
Some insurance companies breach that agreement or act in bad “bad faith” when handling your insurance claim. Why would an insurance company do this? It’s simple: The insurance company doesn’t want to pay your claim. And, if it must pay, it would prefer to give you as little money as possible.
Insurance companies act in bad faith by resorting to the following tactics:
If your insurance company pulls any of these tricks, you may have a bad faith claim against your insurance company.
The law is on your side if an insurance company acts in bad faith. You can seek compensation in the form of contractual damages, extracontractual damages, punitive or exemplary damages, and attorney’s fees.
Contractual damages are the amount you’re rightfully owed in payment for your claim pursuant to the provisions of your policy and the law.
Extracontractual damages include damages for bad faith conduct and non-prompt processing of your claim. This may include interest on that amount rightfully owed to you for your claim. For instance, if the insurance company denies your $25,000 claim, they may have to pay you the full amount of the claim, as well as interest on that amount. In some instances, you may be entitled to recover damages for mental anguish you suffered as a result of the insurance company’s bad faith conduct in handling your claim or bad faith denial of your claim.
Punitive or exemplary damages are those the jury or judge may award you to penalize the insurance company for its bad faith conduct in handling and settling your insurance claim if you’re able to show that the insurance company acted knowingly or deliberately.
For example, if you can show that the insurance company knowingly or deliberately denied your claim on the basis that it is not covered, even though it is reasonably clear that your claim, in fact, is covered under your policy, the jury may award you punitive or exemplary damages of up to three times your actual damages.
Insurance companies have far deeper pockets than the average person. If you have a bad faith case, trying to stand up to the insurance company on your own is unwise. Instead, let our attorneys at McLaurin Law tackle this challenge for you.
For a consultation, call us at (713) 528-8012.
Below are some frequently asked questions about Fire Damage Claims:
At McLaurin Law, our lead fire insurance claim lawyer worked for years as an insider for insurance companies. Jason C. McLaurin knows their tactics to deny and underpay claims. Most people don’t know that homeowners can file appeals or lawsuits against their insurance companies to pursue qualifying damages suffered as a result of a fire at their home or business.
A fire damage claims attorney with our firm can help you review your homeowners or commercial insurance policy to determine what damages your policy covers in the event you need to file a fire damage claim. We can also represent your interests when the insurance adjuster has additional questions about your claim and help you gather the necessary documentation to facilitate full payment by your insurance company for all damages your home or business has suffered due to a fire.
A fire damage claim entails more than just the damage the flames cause to your home or business. Fire damage can include secondary damage due to the presence of the fire and attempts to put it out. Types of fire damage that may require remediation include:
Most policies cover damage due to fire. However, have a fire damage claims attorney from our firm review your policy to ensure that you file your claim correctly. Most insurance companies automatically deny claims that don’t follow their filing procedures.
You can search online for “fire damage attorney near me” to find attorneys nearby who work with fire claims. If you live in or near Houston, TX, the knowledgeable fire claims attorneys at our firm, McLaurin Law, are ready to help. We have over a decade of experience helping clients fight for appropriate compensation after a home or business fire. Call us at (713) 461-6500 when you need more than luck!
Below are some frequently asked questions about Flood Damage Claims:
Many flood claims in Texas stem from natural disasters like hurricanes or heavy rains. Flood insurance in Texas does not cover other sources of water damage, such as broken pipes, sewer backups, or water intrusion through your roof or walls.
Your homeowners’ insurance policy likely does not cover flood damage. If you live in a high-risk area, your mortgage company probably requires you to carry flood insurance. However, the National Flood Insurance Program (NFIP) reports that over 40% of its claims come from low-risk flood zones. Consider purchasing flood insurance before you need it, even if you live in a low-risk area.
Your insurance provider will want you to leave as much damage in place as possible for their adjuster to assess your claim. However, your insurer also wants you to do your part to mitigate further damage to your home and belongings. Our Houston flood damage lawyers recommend documenting all damage with photos and video before you begin cleanup.
Steps you can take include using a wet-dry vacuum to remove as much water as possible and boarding up broken windows to prevent more water from getting in. Remove any bedding materials or wet carpeting to allow things to begin drying out.
If you need help understanding your insurance coverage to file a claim, your flood damage claims attorney can review your flood insurance policy to help you determine the following:
Insurance companies often don’t want to pay the full value of a claim and might deny your claim outright. A flood damage claims attorney can help you understand your policy and fight a claim denial from your insurance company.
A Houston flood damage attorney at McLaurin Law can help you gather additional evidence for your claim appeal, speak with insurance company adjusters on your behalf, and help you file a lawsuit against the insurance company for a bad faith denial. When you need more than luck, call us at (713) 461-6500.
Below are some frequently asked questions about Oil & Gas Claims:
Oil and gas companies need several types of operational and business coverage to insure themselves against workers’ compensation claims, environmental damage claims, property damage liability, and more. An oil or gas company needs four basic types of insurance policies:
Yes, an oil and gas claims attorney with our firm can help you determine which insurance policy best suits the damage or injury and how to file a claim with your insurer. One of our attorneys can also review your current policies and look for gaps in coverage to recommend additional insurance coverage for better protection against claims and lawsuits.
Our oil and gas attorneys can help you manage your claim and submit the appropriate evidence to the insurance company. After filing the claim, we can also represent you with the insurance adjusters to help you focus on resuming operations.
Yes, an attorney with our firm can review your insurance policies to inform you about your coverage, policy limits, and when you can file a claim. We can also look for gaps in coverage and recommend additional policies to protect your interests.
Spills, leaks, water contamination, and seismic damage due to oil drilling and fracking for gas can bankrupt an oil or gas company after paying for clean-up, personal injury and property damage lawsuits, and EPA fines. An oil and gas claims attorney with McLaurin Law can review your pollution liability policies to determine your policy limits and help you qualify for a claim. Call us at (713) 461-6500 when you need more than luck!
Below are some frequently asked questions about Life Insurance Claims:
Yes. A life insurance attorney must be able to read the policy and help a decedent's loved ones understand the benefits, conditions, and coverage outlined in the policy. One of our life insurance lawyers can help you and your family interpret your family member's life insurance policy to find named beneficiaries, policy limits, and coverage conditions.
Also called the National Conference of Insurance Legislators (NCOIL) Model Act, this legislation standardizes unclaimed life insurance policy measures that insurers must carry out in order to discover beneficiaries with a legal claim to receive death benefits.
Adopted nationally in 2011, the NCOIL Model Act requires insurers to search the Social Security Administration's Death Master File at least semi-annually to find decedent policyholders. They then have 90 days to notify policy beneficiaries.
The Unclaimed Life Insurance Benefits Act helps beneficiaries nationwide receive millions of dollars in unclaimed death benefits each year when they need it most.
If you need help dealing with a life insurance claim or don't know where to start to file a claim, you can search online for "life insurance attorney near me" to find a lawyer who handles life insurance claims in your area. However, how can you determine whether an attorney knows the proper laws for filing and managing a death benefits claim?
For legal advice concerning a life insurance claim in or near Houston, TX, contact us at McLaurin Law, PLLC. We have represented Texas life insurance beneficiaries since 2007.
Yes, a life insurance attorney with our firm can help you file a claim. You will need to complete a claim form to submit to the insurance company and provide documentation of your loved one's passing. Most insurance companies require beneficiaries to submit the following:
Call us at (713) 461-6500 when you need more than luck!
Below are some frequently asked questions about Maritime Law:
You don’t have to hire a maritime lawyer if you have been injured offshore, but it’s usually in your interest to do so. Maritime injury cases can be complex, often involving state and federal regulations. Maritime law is an area of personal injury with unique legal complexities. Not all lawyers have knowledge or experience in it, but those who focus on maritime law can handle these cases effectively on behalf of their clients.
We have many years of experience handling maritime accident claims and protecting the rights of seamen at McLaurin Law. A Houston maritime work injury lawyer from our team can review your case, explain your options, and support you if you seek compensation.
If you are a maritime worker and suffered injuries offshore while on the job, you may be able to sue your employer for damages under the federal Merchant Marine Act of 1920, also known as the Jones Act.
To qualify, you must spend at least 30% of your working time on a vessel in navigation. The law considers vessels to be in navigation if they are:
The Jones Act isn’t the only federal law that protects injured maritime workers. Other offshore injury laws include:
An experienced maritime lawyer from our team at McLaurin Law can review your case and explain which laws apply and what avenues of redress may be open to you.
At McLaurin Law, we help clients with a range of maritime injury cases, including:
Maritime law is complicated, but an experienced Houston maritime attorney can explain your options and protect your interests. Call us at (713) 461-6500 or fill out our contact form to schedule a free strategy session with a maritime lawyer from our team at McLaurin Law.
Typically, the answer to this is absolutely not. Insurance companies are looking out for their own best interests and will try to get you to settle for an offer that is far below what you deserve. At McLaurin Law, we can help you seek an appropriate settlement.
After an accident, you should typically file a claim with the insurance provider of the negligent party who is responsible for your accident. It is important that you move with haste in filing a personal injury claim with the insurance carrier after an injury has occurred. Should a lawsuit eventually become necessary, it is also important to keep in mind that in the state of Texas, you must file a personal injury lawsuit within two years of the date the injury occurred.
Below are some frequently asked questions about Theft and Vandalism Claims:
Commercial insurance policies often cover losses due to vandalism, or the intentional destruction or defacement of property, but will not cover theft or burglary losses. This can be particularly complicated in cases where vandalism leads to the theft of certain items on the premises.
Homeowners’ and renters’ insurance policies generally cover vandalism and theft for residential properties. If you own your home, your homeowners’ policy will cover damage to the structure and your contents or personal belongings. If you rent your home, the property owner’s policy will cover damage to the property, while your renters’ insurance will cover your personal belongings inside the home.
Insurers often don’t like paying claims for damages sustained by their policyholders. They may assess the risks associated with your home or business location and income levels and adjust their coverage limits, so they have a decreased responsibility to pay for damages due to theft or vandalism.
For commercial policyholders, your insurance company may require you to minimize the risk of vandalism or theft. Your insurance company could require you to install security cameras and devices, advanced locking systems, and appropriate lighting. Your insurance company could still require higher coverage limits if your business is in an area that reports an increased number of thefts or vandalism.
There are several reasons your insurance company might deny a claim. A vandalism and theft attorney from our office can help you review your policy and claim denial to determine the following:
A theft and vandalism lawyer with our firm can help you determine which losses listed in your policy best fit the situation and file the appropriate evidence for your claim. Your theft and vandalism claims attorney can also speak with the insurance adjusters on your behalf. Call us at (713) 461-6500 when you need more than luck!
Below are some frequently asked questions about Freeze Damage Claims:
Freeze damage from winter storms can lead to several different problems around your home or business. Water on exterior surfaces of a building can freeze, while water inside important plumbing systems can freeze and cause pipes and drainage systems to malfunction or burst.
Sudden temperature drops can result in catastrophic damage to your home or business, including:
While your insurance policy considers freezing to be a typical insurance peril that your home or business could face, your insurance company probably has strict definitions for what qualifies as covered damage resulting from freezing.
Most policies exclude any damage related to flooding or sewage backups. You would need a separate flood insurance policy to cover damage from flooding due to a natural disaster. Additionally, you may need to add a service line rider to cover issues with your sewer line if it fails due to freezing.
Remember that your insurance adjuster is looking for any reason to deny or underpay your claim. Freeze lawyers representing you with your claim can speak on your behalf when interacting with your insurance company. This can help prevent possible slips of the tongue, such as referring to burst pipe water damage as flood damage and invalidating your claim.
Yes. A freeze damage claims attorney with our firm at McLaurin Law in Houston, TX, can help you gather additional evidence of damage to your home or business to file an appeal with your insurance company and reopen your claim. If your insurance company won’t review your claim under appeal, we can help you file a suit for a bad faith claim denial. Call us at (713) 461-6500 when you need more than luck!
Below are some frequently asked questions about Wind and Hail Damage Claims:
You will need evidence that the damage your home sustained came from wind or hail.
Common signs of wind and hail damage include:
Get an inspection if you suspect your home sustained damage during a recent storm. Roofing contractors with certifications in home inspections will often be willing to mark and take photos of the damage they identify during inspection of your home and roof. A wind and hail damage attorney with our firm can use their reports to fight for approval of your claim with your insurance company.
Call our McLaurin Law wind claims attorney if your home shows signs of wind damage after a hurricane, tropical system, or particularly windy day. We can help you file your claim with your insurance company and represent you when the insurance company’s claims adjuster has additional questions.
Many insurance companies try to deny or underpay claims based on arbitrary rebuttals. For example, if you have both wind and hail damage, they may reject a portion of the claim because you filed a wind claim.
Hail damage often affects roofs more than any other part of the home. Sometimes hail only damages part of a roof, requiring a simple repair. Other times, you’ll have enough roof damage to require a full roof replacement. A McLaurin Law attorney can work closely with your roofer and insurance company to fight for full claim approval.
Insurance companies often deny claims despite ample evidence of legitimate storm damage. When this happens, the next step is to file a lawsuit against the insurance company with the guidance of a wind and hail damage claims attorney. If your insurance company denies your claim, contact us. Call McLaurin Law in Houston, TX, at (713) 461-6500 when you need more than luck!
Below are some frequently asked questions about Maritime & Marine Insurance Claims:
Whether you’re a private vessel owner or a commercial marine business owner, your insurance should consist of three main parts:
Other policies you should consider as a private boat owner include uninsured boaters’ insurance. If you’re a commercial vessel business owner, you need workers’ compensation coverage, pollution liability coverage, crew coverage (especially in commercial fishing), and commercial fishing nets and gear coverage.
Your maritime and marine insurance claims attorney from McLaurin Law can help you understand your policy and what damages qualify for a claim. However, not all damages or injuries will qualify. Most boaters’ insurance and commercial marine insurance policies exclude the following:
Our maritime insurance lawyer can review your policy to determine what steps you need to file your claim. We can also help you learn whether you can claim the replacement cost for repair or replacement, the actual cash value of the current value of the vessel, or the agreed amount value up to the policy limit.
An insurance claim denial can be a crushing blow when your business is on the line after damage or loss of a ship or cargo. A maritime and marine insurance claims attorney with McLaurin Law in Houston, TX, can help represent you during the insurance company’s investigation and file suit against the insurance company if they deny your claim in bad faith. Call us at (713) 461-6500 when you need more than luck!
Below are some frequently asked questions about Commercial Insurance Claims:
Our commercial insurance claims lawyer can review your business model and operations to determine if you need additional insurance coverage beyond general liability coverage, workers compensation coverage, and commercial property insurance. In fact, most business owners should carry several insurance policies, including:
Yes, oil and gas companies need additional commercial insurance for pollution liability to cover their legal fees and expenses in case their operations inadvertently cause an environmental accident. Spills and leaks can bankrupt even large oil and gas companies between bad publicity, clean-up costs, lawsuits, and EPA fines.
Our commercial Insurance litigation attorneys can help you with every step of your claim process, including:
Yes. Our commercial insurance claims attorney can review your claim’s relevant evidence and determine if the insurance company denied your claim in good faith. We can help you submit an appeal for review with additional evidence or file a suit against your insurance company in court to pursue the appropriate compensation for your damages.
Insurance adjusters often try to deny or underpay claims. Having a commercial claims attorney from our firm, McLaurin Law in Houston, TX, on your side can help keep the insurance company honest about real damages your business has suffered. Call us at (713) 461-6500 when you need more than luck!
Below are some frequently asked questions about Bad Faith Insurance Claims:
Generally speaking, Texas requires insurers to act in good faith. At a minimum, this means that your insurance company must:
If your insurer is not communicating or cooperating, your insurer may be acting in bad faith. If so, you should speak immediately with a McLaurin bad faith insurance claim attorney about your problems. Then, during a free strategy session, we will listen to your concerns and advise you of your options in detail.
Unfortunately, it is common for insurance companies to violate these provisions and act in bad faith. If you suspect your insurance company is acting in bad faith, schedule an appointment with us today.
Texas places deadlines on insurance companies to ensure that they act efficiently. After you inform your insurance company of a claim, they have:
If your insurance company has not sent any paperwork and it has been longer than 15 business days, contact a McLaurin Law bad faith attorney. We have fought with insurance companies on behalf of our clients for over a decade. One of our bad faith insurance lawyers will sit down with you for a free strategy session to review your options.
Yes. We have helped clients through the claims process for over a decade at McLaurin Law. You must understand the paperwork and respond before any deadlines expire. The paperwork should contain your proof of loss forms, including an itemized list of damage that your policy should cover.
The fact that your insurance company sent the paperwork late may constitute bad faith. Call us today to speak with a bad faith insurance attorney.
No. Texas law requires a ten-day written notice, and your policy may include greater protections. A suddenly canceled policy is evidence of bad faith.
When you need more than luck, call McLaurin Law at (713) 461-6500 or complete the online form to schedule a free strategy session with an experienced bad faith insurance claim attorney.
Below are some frequently asked questions about Hurricane Insurance Claims:
Hurricane insurance claims are complicated, but your homeowners' insurance policy may pay for part or all damage to your home resulting from a hurricane, including replacement of your roof and other repairs.
If you are uncertain about your coverage, schedule a consultation with an experienced hurricane insurance claims attorney at McLaurin Law.
Your chances of being fully compensated for all of your hurricane damage can be improved by thoroughly documenting the damage to your home after a hurricane and also documenting the condition of your home and roof prior to a hurricane. This documentation includes the following:
The critical thing to remember is to act thoroughly and quickly. The documentation you gather shortly after the hurricane can assist you down the road, especially if you need a Texas hurricane insurance lawyer to help you with your claim.
McLaurin Law has over a decade of experience fighting insurance companies on their client's behalf. In addition, you may schedule a free strategy session with a hurricane insurance claims attorney if you have other questions or concerns.
As Texans on the gulf coast know all too well, hurricanes can cause extensive, even catastrophic, damage to your home or business. When documenting the damage after a hurricane, be sure to look for the following signs of damage:
Documenting your damages and deciphering an insurance policy is an arduous task. An experienced hurricane claims attorney from McLaurin Law can help you through every part of the claims process. We begin with a free strategy session to review your claim and answer your questions.
Yes. If a hurricane damages your business, and you are experiencing difficulty with the commercial property insurance claims process, you need a hurricane attorney on your side. We are here to help. Contact one of the commercial hurricane insurance attorneys at McLaurin Law to get the answers you seek.
When you need more than luck, call McLaurin Law at (713) 461-6500 or complete the online form to schedule a free strategy session with an experienced hurricane insurance claims attorney today.
Below are some frequently asked questions about Insurance Coverage:
It depends on the statute of limitations that applies to your claim under Texas law. Statutes of limitations are statutes prescribing a specific period of time, or deadline, for filing certain types of legal actions. In Texas, generally, the statute of limitations to file a lawsuit against your insurance company for bad faith denial of your claim is two years from the date of denial. For other bad faith conduct, typically, the statute of limitations is two years from the date the insurance company’s bad faith act or practice occurred, or two years from the date you discovered, or reasonably should have discovered, that such bad faith act or practice occurred.
In some exceptional circumstances, the court may extend these time limits.
If your insurance company is not handling your claim fairly, or if you are approaching the two-year mark since the injury, act immediately. Speak with the insurance coverage attorneys at McLaurin Law today.
Insurance companies may act in bad faith, undervalue your damages and underpay your claim, or improperly deny your claim. A skilled insurance coverage lawyer at McLaurin Law can help you determine if you have a case to pursue. We will need to review your insurance policy and any supporting information or communications with your insurer. We have years of experience fighting insurance companies on behalf of our clients.
We can meet and review your case in a free strategy session. Call or fill out the online form to schedule an appointment today.
Insurance companies may deny a claim for several reasons, but they often act solely with their best interests in mind. To see if you can appeal the claim denial, you need an experienced insurance law attorney to review your policy, claims, and denial of coverage from your insurer. Attorney James McLaurin is an experienced insurance coverage lawyer with over a decade of legal experience in insurance law.
As a former insurance lawyer, he understands their tactics and will fight for your rights.
Most insurers require a proof of loss (POL) statement during the claim process. You sign this document under the penalty of perjury and provide an itemized list of your losses and the corresponding dollar value. You must submit your POL accurately and promptly.
Misstatements or errors in your POL can lead to delay, denial, or underpayment by your insurer. We can help you submit this document.
When you need more than luck, call McLaurin Law at (713) 461-6500 or complete the online form to schedule a free strategy session with an experienced insurance coverage lawyer today.
Below are some frequently asked questions about Residential Property Insurance Claims:
You should promptly report the damage to your insurance company, cooperate with your insurer’s investigation of your claim, provide requested information and documentation, and take reasonable steps to prevent further damage to your property. Your insurer must conduct a reasonable investigation of your claim, act fairly in the claim handling process, pay for damage to your home covered by your policy, and provide you a reasonable explanation of the basis in the policy for its decision to deny your claim, or offer to settle or pay your claim, in whole or in part.
Your insurance policy will set forth the amount of time you have to report damages following a loss. You must comply with these deadlines, or you may lose your right to recover.
While you must cooperate with your insurance company during the claims process, you do not have to defer to the adjuster assigned to your claim by the insurance company. When your insurance company sends an adjuster, take their card, and write down their full name and contact information, state license number, and the purpose of their visit. Make sure to ask the adjuster to look in all rooms and areas of your home that you believe may have sustained damage. Ask the insurance company or adjuster for a copy of any photos taken by the adjuster and the estimate prepared by the adjuster. Provide this information to your residential property insurance claim attorney.
The bottom line is that adjusters work for your insurance company and not you. At McLaurin Law, we work for you and guide you through the claim process.
Your insurance policy only provides coverage for damage caused by covered events. Texas law places the burden of proof on you (the homeowner) to prove the cause of damage. If the insurance company decides your damage resulted from an uncovered event, it may deny coverage. To pursue legal action against your insurance company with all the necessary evidence to support your claim, you need a residential property damage lawyer to assist you.
If there is any question about whether the cause of your damage is covered under your policy, speak with one of our residential property insurance claims lawyers today. We have the necessary experience to investigate the cause on your behalf and challenge your insurer's incorrect determinations to help you seek and recover the compensation you are rightfully owed.
Yes. A residential property insurance lawyer at McLaurin Law can provide a detailed description of your other options during your free strategy session. Generally, you can resolve your differences in either mediation or arbitration. In either scenario, your insurer will likely have experienced counsel on its side, so you will want to have legal representation as well.
Our law firm has over a decade of experience handling insurance law claims during mediation, arbitration, and in court if necessary.
When you need more than luck, call McLaurin Law at (713) 461-6500 or complete the online form to schedule a free strategy session with an experienced residential property insurance claims attorney today.
Below are some frequently asked questions about Commercial Property Insurance Claims:
A commercial property insurance claims lawyer at McLaurin Law can explain the differences, in detail, and review your claim and policy during a free strategy session. Commercial property insurance policies typically provide either replacement cost coverage, actual cash value coverage, or a combination of both.
If you have actual cash value coverage, your insurance company provides a settlement covering the replacement cost minus depreciation. If you have replacement cost coverage, your insurance company is required to pay an amount equal to the cost to repair or replace your property, less any non-recoverable depreciation; however, the insurance company is often entitled to to pay you only the actual cash value upfront and, thereafter, will release any amounts of recoverable depreciation previously withheld once you have provided proof of repair or replacement of your damaged property.
If you have experienced a commercial property loss, it is wise to speak with an experienced commercial property insurance attorney. McLaurin Law has over a decade of experience handling insurance companies, including commercial property insurance claims.
Generally, a basic commercial insurance policy covers damage to your insured property resulting from hail, windstorm or other weather-related damage, including:
However, if you are on the gulf coast of Texas, your basic insurance policy may exclude hail damage from your coverage. If a hail storm damages your commercial property, speak with the experienced, commercial, hail damage attorneys at McLaurin Law. We fight for you to ensure your business seeks compensation for all covered events.
The first step is to determine the basis for the denial, and a commercial property insurance claims lawyer at McLaurin Law can help with that. The law requires your insurer to provide you written notification of denial and an explanation as to why your claim is being denied. Contact us for a free strategy session with an experienced commercial property damage lawyer.
We will review your policy, claim, and denial notification and form a strategy for moving forward. For example, even after a denial, you may be entitled to appeal the decision with your insurer directly and, in the event of a wrongful denial, proceed with filing suit in Court. A McLaurin Law commercial property insurance claims lawyer will fight to protect your interests.
The answer depends on the terms of your insurance policy, but most policies give you two years from the date of the loss or damage to file a claim. In general, you should always attempt to notify the insurance company of a loss or damage and start the claim process promptly, as failure to do so may be grounds for denying your claim or coverage for all or part of your damages.
When you need more than luck, call McLaurin Law at (713) 461-6500 or complete the online form to schedule a free strategy session with an experienced commercial property insurance claims lawyer today.
Below are some frequently asked questions about Personal Injury:
Personal injury is an umbrella term for various types of physical and psychological harm you might suffer due to another person’s negligence or recklessness. Personal injury cases usually arise from traffic accidents, slip-and-fall accidents, animal attacks, defective products, etc.
Contact our team at McLaurin Law if you have a personal injury claim. Our Houston personal injury lawyer will advise about whether you can seek compensation.
Every case is different. The type and amount of compensation you can seek will depend on your injuries, the facts of the case, and other factors such as:
There is no simple calculation for evaluating personal injury claims, but an experienced personal injury attorney in Houston can help you. We have many years of experience evaluating claims at McLaurin Law, so we can examine your case to determine what compensation you may be eligible to seek.
Anything that points to the other party’s liability and documents your injuries could help your case. Examples include:
A lawyer is not a legal requirement. However, representing yourself in a personal injury case is not a good idea unless you are a legal professional.
Personal injury law is complex. In addition to evaluating your claim and establishing the other party’s fault, you’d also be dealing with the insurance company directly, which can be antagonistic and prioritizes cutting their costs over paying you fair compensation. They will likely try to reduce your payout by shifting the blame onto you or making a low offer.
At McLaurin Law, our lead personal injury attorney, Jason C. McLaurin, formerly worked in the insurance industry. He knows the tricks that insurers use to reduce your payout and how to counteract them.
If you’re searching for a “Houston personal injury lawyer near me,” you’ve found them. At McLaurin Law, we serve personal injury victims in and around Houston, TX. Call us at (713) 461-6500 or fill out our contact form to schedule a free strategy session.
Below are some frequently asked questions about Wrongful Death:
A wrongful death is a death that occurs due to another person’s negligence or recklessness. The victim’s family can usually file an insurance claim or a civil lawsuit to seek compensation for their losses. A wrongful death attorney from our team at McLaurin Law can review your case and advise whether you can pursue compensation for the death of your loved one. Texas statute of limitations on these claims is two years from the date of incident.
Generally, the following individuals have the right to file a wrongful death claim under Texas law:
If you have recently lost a loved one, our Houston, Texas, wrongful death attorneys can advise about filing a wrongful death claim and support you as you seek compensation.
Wrongful death and survival claims are closely related but distinct types of claims.
Our Houston wrongful death lawyers can examine your case and explain what claims you can bring and what damages you can seek.
When filing a wrongful death claim, not just any personal injury lawyer will do. You need a wrongful death attorney with a proven track record.
We have much experience representing families in wrongful death cases at McLaurin Law. We also know how to handle insurance companies. Our lead attorney, Jason C. McLaurin, formerly worked in the insurance field. He knows how to counteract insurers' tactics to reduce payouts in wrongful death claims.
If you have recently lost a loved one and live in or around Houston, TX, we can help. Call us at (713) 461-6500 or contact us online to schedule a free strategy session with a wrongful death attorney from our McLaurin Law team.
Below are some frequently asked questions about Catastrophic Injuries:
The phrase “catastrophic injury” is an umbrella term for severe, life-changing injuries. What sets them apart from “regular” personal injuries is that full recovery is longer, more complicated, and sometimes impossible. The victim may also require multiple surgeries, extensive rehabilitation, and live-in care.
A catastrophic injuries attorney from our team at McLaurin Law can examine your medical evidence and advise whether your injuries could qualify as catastrophic.
Potentially catastrophic injuries include:
Catastrophic injury claims result in greater pain, suffering, and expenses than “regular” or personal injury claims. Catastrophic injury claims, therefore, seek greater compensation and require more effort to prove and win, as insurers are less willing to make higher payouts.
Our Houston catastrophic injury lawyer can gather the necessary evidence and fight for your rights by negotiating with the insurance adjusters. If they refuse to settle or make an adequate offer, we are not afraid to go to trial.
Unfortunately, just because your injuries are more severe and costly doesn’t mean your claim will result in higher compensation.
If the party at fault is an individual, rather than a corporation, compensation will likely come from their insurance. However, if they have no or insufficient coverage, you may need to file a lawsuit against their assets. If they have no valuable assets, total compensation may be impossible.
A Houston catastrophic injury attorney from our team at McLaurin Law can explore all potential avenues for recovery to maximize your compensation.
A lawyer is not required, but a catastrophic injuries attorney can help your case. Seeking compensation for catastrophic injuries is more complicated than standard personal injury claims. Our Houston personal injury lawyer can support you at every step so that you can focus on your recovery.
We have many years of experience representing victims of catastrophic injuries at McLaurin Law. We know how to handle insurance companies: Our lead attorney, Jason C. McLaurin, formerly worked in the insurance industry. He knows and understands how to counteract insurance company tactics.
If you have suffered a catastrophic injury in Houston, TX, we can help. Call us at (713) 461-6500 or contact us online to schedule a free strategy session with our catastrophic injuries attorney.
Below are some frequently asked questions about Truck Accidents:
Texas law defines a “truck” as any motor vehicle designed, used, or maintained primarily to transport property. Tex. Trans. Code § 541.201 (22).
Certain features of the truck, such as its weight or cargo, may determine whether a particular law applies.
In our practice as Houston truck accident attorneys, truck accidents usually involve large commercial vehicles such as:
A truck accident attorney from our McLaurin Law team can review your case and advise whether it qualifies as a truck accident – and what that means for your ability to pursue compensation.
Depending on the nature and extent of your losses, you may be able to seek economic damages (medical expenses, property damage, and lost income) and non-economic damages (pain, suffering, and loss of enjoyment of life). Punitive damages may also be available in cases involving reckless or intentional conduct.
To find out what compensation you may be eligible for, speak to a Houston personal injury lawyer from our team.
The first thing you must do is seek immediate medical attention, even if you feel fine. Many serious injuries can present no symptoms at first. Moreover, the insurance company may later argue that you’ve exaggerated or faked your injuries if you don't seek treatment. Seeking medical attention also helps document your losses.
The second thing you should do is contact a truck accident attorney from our firm as soon as possible. We will explain your options and advise on the next steps.
It’s best to call us as soon as possible, preferably right after the accident. Our experienced Houston truck accident attorney can:
At McLaurin Law, we take care of the legal legwork so you can focus on your recovery. We have years of experience representing truck accident victims and know how to handle insurance companies: Our lead attorney, Jason C. McLaurin, formerly worked in the insurance industry.
Have you been injured in a truck accident in Houston, TX? Call us at (713) 461-6500 or contact us online to schedule a free strategy session with our truck accidents attorney.
Below are some frequently asked questions about Head Injuries:
Medical professionals refer to head injuries as “invisible injuries” — not only because they are invisible to the eye but also because it can be days or weeks before symptoms are present. That’s why you must seek immediate medical attention if you’ve hit your head.
Possible symptoms include:
If your examination reveals a head injury, contact a head injuries attorney from McLaurin Law. We’ll review the medical evidence and explain your legal options.
You may be able to file a personal injury lawsuit if you can establish that another person’s negligence or recklessness caused your head injury. Depending on the circumstances, various parties could be liable, including:
In workplace accidents, you may also be able to file a workers’ compensation claim against your employer. Unlike personal injury claims, you don’t have to prove negligence to seek workers’ comp benefits.
If you’re seeking compensation, a McLaurin Law head injury lawyer can explain whether you can pursue an insurance claim or a civil lawsuit – and advise on the next steps.
The statute of limitations for personal injury claims, including head injuries, in Texas is two years from the date of the injury. Exceptions to the rule allow courts to extend the deadline in certain situations. Our Houston personal injury lawyer can explain the relevant time frames in your case.
Head injuries are too serious to leave your claim to chance. Compensation in head injury cases tends to run high, but insurance companies are less likely to agree to higher settlements voluntarily. You need an experienced head injuries attorney to navigate the system and negotiate with insurers.
At McLaurin Law, we know how to handle insurance companies: Our lead attorney formerly worked in the insurance industry and knows and understands how to counteract insurance company tactics. If you’ve suffered a head injury in Houston, TX, call us at (713) 461-6500 or contact us online to schedule a free strategy session with our head injury lawyer.
Below are some frequently asked questions about Drunk Driving Accidents:
Your drunk driving accident attorney can help you navigate the complex case structure for your personal injury claim against a driver who is also facing criminal charges for drunk driving. You can file an insurance claim with the drunk driver’s insurance company or a legal claim in civil court to seek compensation for your injuries.
You may also be able to hold a third party responsible for your injuries, such as the bar that served a patron too much alcohol or served an underage driver. If a young driver received alcohol at a party, you might be able to pursue compensation for your injuries from the parent hosting underage drinkers.
Yes. Always file a police report after an accident. If you notice signs of impairment at the scene, report your observations to the police. Watch for attempts to dispose of alcohol containers or for a passenger attempting to switch with the impaired driver. An insurance company will use the police report to understand the accident events in your claim better.
You can file civil charges against an impaired driver who hits you. The jurisdiction will file criminal charges if they gather evidence that the driver was operating their vehicle under the influence. Your personal injury lawyer may be able to use a criminal conviction for DUI/DWI in your favor when arguing for your personal injury claim in court.
An experienced Houston car accident lawyer can help your case by recreating the events of the accident to help a jury understand the negligence and liability of the impaired driver and third parties responsible for your injuries.
Texas is a modified comparative negligence state with a 51% bar. This means that if you share liability for your injuries, the court will reduce your award by that percentage, up to 50%. You will not receive compensation if you are more than 50% liable. A drunk driving accidents attorney with our firm can help you build your case, so a court doesn’t reduce your award more than you are liable. Call us at (713) 461-6500 or fill out our contact form to schedule a free strategy session.
Below are some frequently asked questions about Boat Accidents:
Our Houston boat accident attorney has represented clients for many types of boating accidents. Some of the most common include the following:
Common causes of these accidents and injuries include operator inebriation, distracted boating, driver inexperience, speeding, and keeping an improper lookout.
According to Section 31.105 of the Parks and Wildlife Code, the vessel operator must report the accident within 30 days to the local law enforcement agency or the Texas Parks and Wildlife Department if the accident led to:
If the accident resulted in someone’s death, the boat operator has 48 hours to report the accident.
Your Houston boat accident lawyer can help you determine which negligent party could be liable for your injuries in a boating accident. Depending on the specific circumstances of your case, several parties could be liable, including:
Your personal injury lawyer will help to reconstruct the events that led to the accident and determine the negligent party or parties who contributed to the accident. Your boat accidents lawyer can build a case against the negligent parties to seek appropriate compensation for your injuries. Call us at (713) 461-6500 or fill out our contact form to schedule a free strategy session.
Below are some frequently asked questions about Car Accidents:
There’s no legal requirement to hire a car accidents lawyer, but it’s in your best interest to do so. Insurance companies are for-profit businesses. Their goal is to make money, not give it away, so they will do everything they can to reduce your payout or avoid making one altogether.
When you work with McLaurin Law, our experienced insurance and auto accident lawyers can ensure that doesn’t happen. Our founder, Jason McLaurin, is a car accidents lawyer with experience working in the insurance space. He knows how insurers approach car accident claims and how to fight for your interests.
Texas takes a fault-based approach to car accident cases. That means you can only seek damages if the other driver was at fault.
However, you don’t have to be completely fault-free. Under the state’s modified comparative negligence rule, you may seek compensation if you were less than 51% at fault.
The judge or jury will decide the fault percentage of all drivers involved in the accident and reduce your damages accordingly. For example, if the total damages are $100,000 and your assigned fault is 30%, you can only seek $70,000.
Unless the accident is a felony, the maximum compensation you can receive in a car accident case is the greater of three sums:
However, this doesn’t apply if the other driver was in a community service program at the time of the accident. In that case, you can seek up to:
A personal injury lawyer from our team at McLaurin Law can explain how much you can seek.
Try to gather as much evidence as you can at the scene of the accident, including:
At McLaurin Law, our Houston car crash attorneys serve auto accident victims in and around Houston, TX. Call us at (713) 461-6500 or fill out our contact form to schedule a free strategy session with an experienced car accidents lawyer.
Below are some frequently asked questions about motorcycle accidents:
Hiring a motorcycle accidents lawyer isn’t mandatory after an accident, but it’s strongly advisable. Insurance companies are not your friends. They have investigators and in-house legal teams whose job is to minimize your payout or avoid one altogether, including by trying to shift the blame for the accident on you.
At McLaurin Law, we know how insurers approach motorcycle claims and how to negotiate with them. Our founder, Jason McLaurin, is a motorcycle accidents lawyer who used to work for insurance companies. He knows how to protect your interests.
You can talk to the other driver at the accident scene, but keep the conversation brief. Ask for their:
Don’t discuss the accident. Even innocuous comments such as, “I’m sorry; are you okay?” can make it to the insurers and serve as grounds to deny your claim. If the other person has any questions, refer them to your personal injury lawyer from our team at McLaurin Law.
You should call your insurer as soon as possible after the crash to start the claims process. However, keep any comments to a minimum. Just tell them you’ve had a motorcycle accident and that it wasn’t your fault. If they have further questions, redirect them to the driver’s insurer or a Houston motorcycle accident attorney from our team at McLaurin Law.
Yes. Depending on the severity of your injuries, go to an emergency care facility or your regular physician. You must seek immediate medical attention even if you feel fine. Some life-threatening injuries can be hidden and present no symptoms at first.
Seeking medical assistance will also strengthen your claim, as it helps document your injuries. If you don’t seek help, the insurers may later try to argue that you have exaggerated or faked your injuries. An experienced Houston motorcycle accident lawyer from our law firm can explain what medical paperwork you should collect to support your case.
Motorcycle accident law is complicated. At McLaurin Law, we can help you navigate the Texas legal system and seek compensation for your injuries. Call us at (713) 461-6500 or fill out our contact form to schedule a free strategy session with a motorcycle accidents lawyer from our team.
Below are some frequently asked questions about Bicycle Accidents:
Your Houston bicycle accident attorney can help you build your case against a driver who caused your injuries in a bicycle crash. Once you report your accident to the police and contact the driver’s insurance company to file your claim, contact a bicycle accidents lawyer with our firm to represent you and speak to the adjuster on your behalf.
If your case goes to court due to a claim denial or underpayment, your personal injury lawyer will use witness statements, video surveillance, and accident scene forensics to recreate the accident events and help prove negligence by the driver.
Drivers should always share the road with bicyclists and must follow certain rules when passing bicyclists on the road. Many drivers don’t follow the laws to give enough room to bicyclists or pass bicyclists safely.
Texas is an at-fault insurance state, meaning that if a negligent driver caused your injuries, you would file a claim through their insurance company. However, many bicycle accidents are often hit-and-run accidents, or the driver may not carry appropriate insurance for their vehicle.
In cases where a driver can’t pay for your injuries and damages through their insurance coverage, you may use your own policy’s uninsured or underinsured motorist coverage and personal injury protection (PIP) coverage to file a first-party claim.
You may pursue economic, non-economic, and possibly punitive damages for your injuries, including:
Note that Texas is a comparative negligence state. This means the court may reduce your award based on whether you contributed to your injuries (such as by failing to wear the appropriate protective gear).
Your bicycle accident lawyer will gather evidence and witness statements from your accident as soon as you contact us. Time is of the essence to get the correct information to build your case.
Your attorney can also represent in front of your insurance adjuster and prevent you from saying anything that could hurt your position to receive adequate compensation for your injuries. Call us at (713) 461-6500 or fill out our contact form to schedule a free strategy session with a bicycle accidents attorney from our team.
Below are some frequently asked questions about Premises Liability:
Seeking compensation from a property owner in court on their own rarely has good results for the injured person. An experienced Houston premises liability attorney with our firm knows the laws as written, as well as important cases in premises liability that set precedent for holding negligent property owners liable.
Your attorney can reconstruct the timeline of your accident to determine which negligent party was responsible for your injuries. For example, if you slipped at a grocery store, was it the store manager’s responsibility to ensure that a spill was cleaned up in a timely manner, or was it the corporate training office’s fault in failing to train their store employees the procedure for handling a spill on the premises?
Determining liability for injuries on another person's property can be difficult. In personal injury cases for premises liability, an injured party (with the help of their attorney) must prove that the property owner:
If the property owner’s negligence in handling the risk led to the plaintiff’s injuries, the owner could be liable for those injuries.
Premises liability cases can cover a wide range of accidents and injuries at a business, on public property, or someone else's private property. Some examples of common injuries and accidents in these cases include:
Your premises liability attorney from our firm will gather witness statements, surveillance video, and photographic evidence of your accident to create a timeline of events for your claim and help determine what factors contributed to your injuries. Your personal injury lawyer can then use similar cases, current laws, and building codes to attribute liability to the negligent party who owed you a duty of care. Call us at (713) 461-6500 or fill out our contact form to schedule a free strategy session with a premises liability attorney from our team.
Below are some frequently asked questions about Medical Malpractice:
Medical malpractice is a type of negligence. You may have a case if your healthcare provider fell below the expected standard of care and their negligence caused you foreseeable harm. The standard of care is what a reasonable medical professional would do under the circumstances.
If you believe you have a case, call our team at McLaurin Law to speak to a Houston medical malpractice lawyer. We will examine the facts and the available evidence and advise whether you can seek compensation.
Establishing negligence and causation isn’t enough: Your damages must also be significant. If your injuries aren’t severe or life-changing, pursuing an insurance claim or a lawsuit may not be cost-effective. Depending on your injuries, your attorney can advise you on the best course of action.
You might be able to file a wrongful death claim if your loved one died due to the negligence of a healthcare provider. However, wrongful death law is complicated, and many factors come into play. Contact our team to speak to a Houston wrongful death attorney to find out if you have a case. They can explain your options and help you file a wrongful death claim if you are eligible.
There is no legal requirement for a personal injury lawyer to have insurance training or background to handle medical malpractice cases. However, it can certainly help. Our lead attorney, Jason C. McLaurin, is a medical malpractice lawyer who used to work in the insurance space. He knows the tactics insurance companies may use to reduce your payout and how to counteract them.
No, your doctor or other health care professional won’t lose their license or job if you sue for medical malpractice. The goal of a medical malpractice lawsuit is to compensate the victim’s family, not to punish the medical provider.
Dealing with the death of a family member is never easy. At McLaurin Law, we can’t ease your pain, but we can help you seek compensation for the loss of your loved one. Call us at (713) 461-6500 or fill out our contact form to schedule a free strategy session with a medical malpractice lawyer from our team.
Your number one priority should be your well-being. Seek out medical advice as soon as possible to ensure that you get the treatment you need. You should also move quickly to consult with an attorney to assist you with your personal injury claim. Critical events occur early in the personal injury claims process—such as interviews with adjusters and early damages assessments—so do not delay speaking with an attorney.
Browse our growing library of multimedia educational content to better understand the rules and processes involved in your Texas injury case or insurance claim. Review the items relevant to your issue, and let us know your questions.
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