Pearson Legal, P.C. specializes in insurance recovery and represents commercial and individual  property owners against their insurance companies on a state and national basis.

Insurance companies rarely issue form policies anymore. Instead, insurance coverages, exclusions and terms and conditions vary from company to company and are constantly changing.  In addition, insurance claims handling practices are evolving and insurance companies are finding new was to deny or underpay claims or otherwise avoid their obligations under the policies they issue.  Our lawyers collectively have over 100 years of expeience handling insurance losses.  We stay up-to-date on the changing policies, coverages and claims handling practices to help you maximize your recovery in the event of an insurance loss.

First party insurance claims typically involve losses caused by hail, tornadoes, hurricanes, windstorms, fires, explosions, pipe bursts and other weather related events. They include damage to exisiting buildings as well as those under construction..  The damages typically include temporary and permanent cost to repair, loss of use, business interruption and damage to business and personal property.

Pearson Legal has  successfully recovered policy benefits, attorney’s fees, penalties and/or bad faith claims handling damages for thousands of policyholders over the years. Our clients include school districts and owners of apartment complexes, commercial buildings, hospitals, medical facilities, manufacturing facilities, museums, historical buildings, governmental agencies, and large and small homeowners.

Our Insurance Recovery Group is unique because we have been handling these types of cases long before most competitors.  In addition to developing winning strategies for settlement, trial or appeal, we analyze available insurance coverage, plan for potential insurance coverage litigation and potential complications in coverage, and integrate coverage issues into our litigation strategies to make sure we also give our clients their best chance at actually recovering something when we win and posturing cases for the best resolution by settlement.

Our insurance claims expertise includes:

  • Wrongful Claims Denials
  • Underpayment of Claims
  • Improper Claims Handling
  • Insurance Bad Faith
  • Builder’s Risk Insurance Claims
  • Insurance Broker Negligence
  • Insurance Agent Error
  • Disability Insurance Denial

If you have suffered a loss to your existing property or one under construction don’t let your insurance company hide behind the claims process or confusing policy language. Contact us to learn more about your options and your rights in an insurance recovery dispute.

The lawyers at Pearson Legal, P.C. have:

  • Been recognized for the largest insurance verdict in Texas multiple years according to Verdict Search.
  • Won significant appellate victories against insurance companies, including AIG, Travelers, Guide One, Southland Lloyds, and Everest National Insurance Company.
  • Served as Amicus Curiae Counsel in cases involving commercial insurance property rights both in the Texas Supreme Court and the Fifth Circuit Court of Appeals for a number of large trade groups representing commercial and government property owners, including the Texas Community Association Advocates Texas Apartment Association Texas Automobile Dealers Association, Texas Organization of Rural & Community Hospitals, Texas Association of School Boards, Texas Hotel & Lodging Association, Texas Association of Counties, Texas Municipal League, and International Council of Shopping Centers.
  • Served as Amicus Curiae Counsel at the Fifth Circuit Court of Appeals on coverage issues for property owners, representing 11 trade groups, including the Texas Hospital Association, Texas Hotel & Lodging Association, Texas Apartment Association, Texas Automobile Dealers Association, Texas Organization of Rural & Community Hospitals, and Texas Association of School Boards.
  • Successfully tried many cases to Texas juries on insurance coverage issues.
  • Written law review articles, papers and delivered continuing legal education presentations in a variety of insurance topics.

Commercial Properties

Natural disasters affect all types of existing businesses and those under construction.. Damage from fire, hurricane, windstorm or tornado can prevent your business from operating and may affect productivity, profit and stock value. When an insurance company refuses to fully and promptly pay insurance claims, the resulting losses can be disastrous! You need insurance compensation, so you can get your business back in operation without further delay.

School Districts and Other Governmental Entities

Governmental entities, including school districts, must answer to the taxpayers they serve. They spend signifcant tax dollars to build and maintain buildings for students and the public at large. In the event of a major catastrophe, these government entities must decide if they are going to hold their insurance companies or risk pools accountable or shif the burden to the taxpayers.. Our firm’s experience and track record in insurance litigation makes us uniquely qualified to represent all types of governmental entities and make sure we hold insurance companies and risk pools accountable for the policies they sell.

Condominiums/Townhomes/High-rises/HOA’s/Mixed Use

The division of responsibility for property damage is determined by the by-laws and declarations of each condominium or homeowners association.  These documents sometimes contradict the insurance policy or policies purchased to protect the communities.  In the event of an insurance loss, you need a firm like Pearson Legal with experience in navigating the various documents, managing the relationship between boards and individual owners, and dealing with national and foreign insurance companies who typically insure these types of properties.


Damage to a church or religious facility from a fire, hurricane, wind, rain, theft, vandalism or tornado can prevent your organization from operating and may affect numerous individuals in your congregation. When an insurance company refuses to fully and promptly pay insurance claims, the resulting losses can be disastrous! When you need insurance claim compensation, so you can get your facility back in operation without further delay, hire a qualified insurance claims attorney.  Our firm has represented dozens of churches and other religious organizations over the past twenty-five years.


Our firm offers industrial insurance claim analysis, evaluation and consultation for losses involving property damage, loss of use, equipment and other business property damage and and business interruption.  Insurance coverage, exclusions and conditions for industrial business differ from other commercial insurance. Pearson Legal has the experience in this segment to make sure you maximize your recovery in the event your business is impacted by an insurance loss.

Residential Homeowners

Your home is more than just a place to live. When your home is damaged, you lose more than possessions, you lose an important part of your life. Serious property damage is always distressing, but having your homeowner insurance claim denied or dramatically underpaid can leave you emotionally and financially devastated. Pearson Legal, P.C. can help you fight against an insurance company that won’t properly or fully pay your residential property claim. Let us deal with the insurance companies that are wrongfully delaying or denying your homeowner insurance claim altogether so that you can focus on your life.