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.
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