Houston Construction Insurance Lawyer
Have Unforeseen Circumstances Left You with Property, Personal, or Advertising Damages to Your Business? Call our Houston Area Construction Insurance Claim Lawyer to Help You Obtain Compensation for Damages to Structure, Dwelling, Property, or Persons
Commercial (or contractors’) liability insurance will generally cover damages, personal injury, and advertising injury, including slander or false advertising. The insurance will usually not cover faulty work claims.
Why Choose McLaurin Law PLLC for Your Commercial Insurance Claim Case?
- Highly Reviewed & Rated – 10.0 Superb rating on respected legal site AVVO. Highly rated on Google. Rated Rising Star by Super Lawyers. Rated top lawyer by Houstonia Magazine.
- Highly Responsive – We pride ourselves on fast response times when communicating with our clients. We will never let your questions or concerns go unaddressed.
- Efficient – Our approach focuses on efficiency and speed to resolve cases as quickly as we can to get you your money faster.
- Experienced – Founder Jason McLaurin has over a decade of experience representing clients at trial, arbitration, and mediation in matters concerning insurance policyholder recovery disputes, complex commercial litigation, and catastrophic personal injury claims.
- No Case Is Too Difficult or Complex – This is where tenacity and knowledge of the law matter. We do what is necessary, even in difficult cases.
- Urgency, Empathy, and Detail – Your case is the center of your world. We work with urgency to resolve your case quickly, empathy to ensure you feel heard, and meticulous detail to ensure no aspect of your case is missed.
- Caring & Compassionate (truly) – Owning a business can be stressful. Our team is incredibly experienced and truly understands the complications that claims against your business insurance can bring to your livelihood.
- Personalized Attention – We understand and respect that every client’s needs are unique. We treat all of our clients with the attention they deserve.
- We Keep You Updated – Transparency is key. We want you to know what is happening with your case at all points in the process.
- Flexible Meeting Times – We accommodate your busy schedule.
- 2nd Opinions Available – Already have a lawyer? Let us provide you with a second opinion on your case.
Generally, CGL Policies come in two types:
- Occurrence Policies will cover any damage or injury that occurs during the period the policy is in effect, even if the claim is made after the policy has expired or not renewed. Say your CGL runs from January 1 to December 31 of 2020. You do not renew it, and then a claim is made in April 2021 about an accident or incident that occurred in February 2020. An Occurrence policy will cover that claim because it happened during the policy period.
- Claims-Made Policies will honor only those claims that are made during the period of coverage. In the above example, a claim filed in the year after the policy was non-renewed would not be honored. Such policies usually offer a 30 to 60-day window for reporting after the policy lapses, but an April claim would exceed that window.
If you purchase the Claims-Made policy with a run-off (or “tail”) provision, the claim may still be honored because it incorporates “extended reporting period” coverage. For an additional premium, you can purchase extended “run-off” coverage for any period you choose, from one year to unlimited.
You can also purchase a Claims-Made policy with prior acts (or “nose”) coverage for injuries or damages occurring before the policy takes effect. This is done by establishing a retroactive date in the declarations page accompanying your policy. Prior acts coverage will not honor claims that were known to you at the time you purchased the policy, however.
The Statute of Limitations on any breach of good faith claim in Texas is Two Years from the time damages were accrued, while a case may be brought against a contractor for up to 8 years from the action.
CGL Policies generally have several exclusions and list conditions that will void coverage. These include:
- Damage to Your Work: If the construction you do is faulty, your CGL will not cover that. There is often an exception, however, for work that you hire a subcontractor to perform.
- Contractual Liability: If you agree contractually to complete a job by a certain date or pay a penalty, the policy will not honor your contractual obligation for the penalty if you fail to complete the work on time. Other contractual agreements may be excluded as well if they are not met or honored.
- Faulty Products: A CGL policy will not pay the cost of replacing faulty third-party products.
- Workers’ Compensation: CGL policies exclude workers’ compensation, for which separate insurance must be purchased.
- Pollution: The CGL will not cover damages or injuries caused by pollutants, which include any solid, liquid, gaseous, or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals, and waste.
As of 2022, There are New Legal Protections for Contractors
- Omnibus Pandemic Bill, Business Liability/Insurance Protections: These protections shield essential businesses like contractors that continue to work amid the COVID-19 pandemic from liability for personal injury, death, or property damage related to exposure to the disease. This does not apply in cases where the business failed to comply with government health standards or neglected to warn an employee about or fix conditions that led to them contracting the disease.
- Contractors Not Liable for Design Defects: If the owner provides the contractor with a faulty design, the contractor is no longer necessarily liable. This does not apply if the contractor helped provide the design.
Should I Get a Construction Insurance Claim Lawyer?
Maybe you are the type of person who is hesitant to sue. Still, you have dutifully paid your insurance premium specifically for moments like these. Insurance companies are notorious for low-balling compensation for claims and even for denying claims altogether. They hire highly trained professionals known as insurance adjusters, who will deal with you and the claimant and use every trick they can to get you to say something they can use to diminish or exclude the claim. You’ve already paid for coverage. Shouldn’t you get it?
Shouldn’t your insurance now work for you? If so, hiring a construction insurance claim attorney is, unfortunately, a reality for ensuring you get what is right.
Client Reviews – McLaurin Law PLLC
Actual Words Clients Have Used to Describe Us & Their Experience
“They diligently explained every situation in detail to me and answered all of my questions,” “In the end the group maximized my claim–for which I am very grateful,” “I was very fortunate to fall into the care of McLaurin Law,” “Excellent firm,” “Mr. McLaurin is readily accessible, responsive, knowledgeable, and receptive to my input,” “Very personable and knowledgeable attorney,” “We will use this firm for all of our future legal needs,” “Mr. McLaurin handled our case with expertise and professionalism,” “He was prompt, attentive, and extremely capable,” “Dealing with legal issues are rarely pleasant, but Mr. McLaurin really made the whole process as smooth as possible,” “always made me feel comfortable in this unexpected situation,” “very professional, yet down to earth and easy to relate to,” “I appreciate the time and attention they put in my case,” “I highly recommend their profession service to anyone,” “Jason McLaurin sees a range of solutions, listens comprehensively, is open to discussion and is committed to the long haul toward a trial date,” “Mr. Jason is very straight forward, responsive and a professional lawyer,” “He handled my case professionally and constantly communicated with me in a timely manner about its status.”
If these things are what you are looking for in a law firm, then contact us to see how we can help you and your family.
Locally, clients come to us from Houston, Katy, Pasadena, Woodland, Pearland, Sugar Land, Spring, Kingwood, Galveston, Cypress, and all throughout Texas.