Texas Wind & Hail Damage Insurance Claim Lawyers

Typically, most damage caused by wind in a storm will be considered wind damage and should be covered under a homeowners policy. Severely strong wind can damage roofs, windows, and more.

Wind and hail insurance protects the physical structure of your home, including any detached structures , as well as your belongings. Wind and hail insurance covers most wind-related events. It does not cover things like flooding or fire damage.

There are several factors that complicate the process of making a hail damage claim. Knowing these complications is the first step to understanding how to fight for what you are owed:

Other Claimants

Hail damage does not happen in isolation; the greater the number of people affected by hail damage, the greater the risk that your insurance company will take longer to process your claim. It may even get lost in the mass of claims filed. Another issue with other claimants is the shortage of inspectors and repairmen to evaluate and then fix the damage done that occurs after a storm.

Time

Each insurance company has its own time requirements for filing a claim, so it is important to double check the details of your policy and find out the deadline for making a hail damage claim. This is difficult, however, when the effects of hail damage do not become evident for months after a storm.

Nature of Insurance

The business model of insurance discourages insurance companies from paying every claim after a catastrophic event because if they did, they could not remain solvent. Looking out for their interests means overlooking yours, so it is important to have a hail damage attorney on your side looking out for your interests.

After your home or property sustains wind damage, most states give you one year to file a claim with your insurance company. Whether you want to file a claim really depends on the amount of damage. If the damage is small, it may be worth it to just pay out of pocket for repairs and not have your insurance rates go up. If the Texas wind damage is substantial, it’s almost always worth it to file a claim. Many insurance companies will try to deny claims, which is where the wind and hail damage lawyers at Grisham & Kendall come in. We can help you get the compensation you deserve!

One reason that clients struggle to receive full compensation lies in the nature of hail damage claims. Hailstorms often create two kinds of damage: the immediately noticeable and the more hidden type that doesn’t often emerge until after a claim has already been filed. Some types of obvious damage include broken shingles on roofs, stripped siding on houses, and broken windows on both houses and vehicles. The less obvious types of damage that hail can inflict on your property are generally structural issues. The force of a hailstorm can compromise the structural strength of your home without you realizing it until it’s too late. Enlisting the eyes of a trained professional to evaluate your property is helpful in determining the amount of compensation you need to restore your life to what it was before the storm. Indeed, the job of insurance is essentially to restore what has been lost, not just in terms of objects, but in a way of life.

One tactic that insurance companies use to mitigate their financial losses after a hailstorm is to slow down the process of repaying claims. The longer you wait to file and pursue your claim, the greater the chance that you may not see its full value returned to you. Delay only helps the insurance company, and they will also try to delay their actions in response to your claim as long as possible.

Insurance companies are large and powerful. To successfully win a fight against them, you need to equip yourself with someone who is knowledgeable about the way insurance companies work. These complicated insurance businesses have their own attorneys and experts to help maximize the companies’ profits, and unfortunately, their profitability does not translate into more money for you. The more they have to pay in claims, the less money they make, so insurance companies are encouraged to underpay or deny claims. Hiring an aggressive Texas hail damage claims attorney is your best option for achieving a successful outcome for your claim. A law firm like Grisham & Kendall, PLLC has the resources and experience to stand up for your rights.

If your insurance company has denied your claim or given insufficient compensation, the wind and hail damage lawyers at Grisham & Kendall may be able to help. Contact us for a consultation!

Hail and wind damage lawyers can help with insurance claims by pressuring the insurance companies to make sure your policy is covered correctly and that all laws are being followed. When insurance companies know you have legal representation, they are more likely to take your claim seriously and try to find a solution so as to avoid litigation.

Some good questions to ask your attorney are:

1. 1. How much experience do you have handling Texas hail and wind damage claims?
2. 2. How much will it cost for you to help me with my wind and hail damage claim?
3. 3. Do you think you can help get improved compensation for my specific wind and hail damage claim?
4. 4. How long will it take to recover compensation for my claim?
5. 5. Will we have to go to court for my claim?