Property Loss

Property Damage Attorneys in Houston, Texas

If you have been a victim of theft, flooding, or any other disaster, it is important to note that property damage claims can be quite complex and frustrating. Similar to how car accident victims could struggle with a personal injury claim due to uncooperative insurance companies, pursuing compensation for property loss or damage can also be challenging. This is why it is important to hire a property damage lawyer who will fight for you, especially if things need to be brought to court.

Property owners who wish to know the legal process of filing claims (or a property damage lawsuit, if necessary) should consult with Houston real estate lawyers from trusted law offices.

Our skilled Houston Texas attorneys at Chargois Harper Attorneys and Counselors at Law have the extensive experience and resources to ensure that you are fully compensated for all of your property damages. Scheduling a legal consultation with a professional could enable you to get paid for property damage or loss and improper handling of claims.

Why Do I Need A Houston Property Damage Lawyer?

Although Texas state laws have specific statutes and requirements that an insurance company must comply with, it is not unusual for certain insurance companies to look out for their interest. Insurance carriers often violate statutes and guidelines by improperly delaying claims or improperly denying property damage claims. Others would improperly underpay property damage claims by claiming that the replacement cost of the entire building (in case of total loss) or the cost of repair is lower than it is. Sometimes they also claim that replacing certain damaged items is unnecessary even if a repair is not sufficient.

Generally, an insurance carrier owes a financial fiduciary duty to their insureds. However, even if they are required to act in good faith when responding to and managing filed claims, these proceedings rarely go smoothly. Mainly because payouts in property damage claims are often expensive, insurers often look for loopholes to avoid paying the policy’s full amount. To make sure that you recover what is rightfully yours, consult with a Houston property damage lawyers from a credible law firm in Texas. Call us at 832-479-4499.

Statute of Limitations for Texas Property Damage or Loss

The term statute of limitations pertains to the amount of time that can pass before you file a case in court. There is a two-year time limit to file a lawsuit and seek compensation for damaged and destroyed property in Texas. This time limit generally begins on the day that the property was damaged or destroyed.

A competent Houston, TX property damage lawyer can help you determine whether or not you can still file a case for your property loss and damage and help you fill out the relevant paperwork.

It is important to remember that if a property damage claim or a property loss claim is filed after the deadline, the other party can file a court motion to dismiss the case. The court will likely grant the motion for dismissal, which means you have lost your right to damages for your lost property.

Like other kinds of civil lawsuits, however, a few situations can extend this statute of limitations. Schedule your consultation at Chargois Harper Attorneys and Counselors at Law and have your case evaluated by the best property damage lawyers in the area. Call us at 832-479-4499 to schedule a consultation.

Common Types of Property Damage Cases

An experienced local attorney will involve a network of experts that can help appraise property damages. With the help of contractors, public adjusters, or engineers, you can refute certain assertions made by the insurance company regarding your property insurance claims. This will give you a higher chance of receiving a fair amount of damages for your damaged property.

There are different types of residential and commercial property damage that you could be dealing with. By definition, residential or homeowners’ property are generally straightforward. Meanwhile, damage to commercial properties can include damage to

  • apartment and condo complexes
  • hotels
  • warehouses
  • industrial buildings and office buildings
  • shopping centers, retail properties
  • restaurants
  • schools
  • churches
  • other government and civic buildings

These could have damaged roofs and walls, floorings, interiors, and furnishings due to various reasons. Falling trees, wind, storm, hail, hurricane, or flooding damage are more likely in certain areas, while fires and other natural disasters can occur almost anywhere. Additionally, some cases would involve water leaks and even theft claims.

If you’re dealing with any type of property damage or a real estate issue, it is important to seek the legal assistance of a Houston property damage lawyer right away. Call our law firm at 832-479-4499 so we can help you with your legal concerns related to family law, landlord-tenant law, and estate planning.

Things to Consider on Your Property Damage Claim

By definition, a property damage claim arises when a property has been broken or destroyed. While you can seek compensation for damage to items of little worth (inexpensive furniture or clothing), claims often involve damage to large or expensive holdings, such as a real estate property.

For property damage cases where hundreds (or even millions) of dollars are involved, the court must decide whether it is the insurer of the owner or the party at fault who is responsible for payment. Insurers, however, may be pretty difficult to deal with.

Insurance denials are not uncommon, mainly because many specialized policies have specific and strict rules about what is not covered under the policy. A flood insurance, for example, may cover a flooded basement caused by rain but not the same basement flooded by a nearby fire hydrant.

Additionally, in a property damage case, it is not unusual for an insurance company to give a “lowball” offer instead of calculating the worth of the affected property. Unless you purchased it recently, there would be many different estimates on an item’s replacement value. This is where you can make use of a reliable legal representation. Consult a property damage lawyer today to schedule a consultation.

Filing Insurance Claims with a Houston Property Damage Lawyer

If you or your loved one escaped a grave incident without serious injuries, you could generally consider yourself lucky. However, this does not mean that you should simply let your insurance carrier unjustly deny your insurance claim. While it may seem counterintuitive, it is important to contact a property damages attorney firm after an accident or natural disaster.

The legal system in place can be pretty confusing, and having a trusted legal counsel is crucial if you have not filed your insurance claim yet or have already been denied. We can assist you with communication with your insurance adjuster and in gathering pieces of evidence and documentation.

Insurance claims for property damage are frequently denied for unfair reasons, and the paperwork necessary for processing a property insurance claim can be challenging to comprehend. It is very common for property insurance companies to look out for their own best interests (and not for the interests of the insured property and business owners). Call a Houston property damage lawyer today at 832-479-4499 to make sure that insurance company representatives will not take advantage of your circumstances.

Dealing with Underpaid or Denied Property Insurance Claims

If any of your properties suffered the catastrophic effects of flood, fire, hurricane, windstorm, or other disastrous events, seek legal help from someone who aggressively but compassionately represents property owner clients for these legal matters.

In the aftermath of natural disasters, the last thing you would want is insurance representatives taking advantage of property owners by denying, delaying, or unfairly handling legitimate property damage claims.

Insurance companies are expected to provide appropriate compensation to help disaster or accident victims recover from relevant property damage. If your property suffers damage and you need quality legal representation, or if you need assistance in insurance litigation cases, connect with our Houston real estate law firm today.

Our Houston property damage lawyers in Texas can help file a property damage or property loss claim in Texas. We can provide legal assistance if you need help maximizing recovery in the aftermath of property damage. Call us at 832-479-4499 so we can address your legal concern.

Get Legal Help from a Houston Property Damage Lawyer

Dealing with property damage and loss can be stressful and overwhelming. If you have any legal concerns regarding your property, such as boundary disputes, landlord-tenant dispute, or eviction, our Houston real estate law firm can help. At Chargois Harper Attorneys and Counselors at Law, we can help protect your legal rights. Call our Houston office at (832) 479-4499 to schedule a consultation.


You can count on us to protect your interests and resolve your legal concerns in Texas & Illinois.


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Houston, TX 77079

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