Increasingly, insurance companies have taken the position that the reported rise in hail and wind roof insurance claims over the last several years was due to unscrupulous contractors, public adjusters, and policyholder attorneys. In fact, insurance companies severely underreported hail and wind damage events and did not investigate such events in the past. If you are an insured person with a residential or commercial roof hail or wind damage insurance claim, your insurance company may choose to identify damages to your roof as prior unreported or undiscovered roof damage. In this case, your policy does not cover the damage because the insurance company says it did not occur during the policy period. Unfortunately, these insurance companies often ignore or disregard property inspections performed as part of the underwriting process in which no such damage was noted to the roof at the time the policy was initially procured.
Insurers take aggressive positions against the insured’s interests concerning the carrier’s liability for such hail and wind damage roof claims. The insured must be prepared to fairly investigate and fight against the insurance company for what they deserve under their insurance policy. If you have a residential or commercial property insurer that delayed, denied, or underpaid your legitimate hail or wind claim, the attorneys at Grisham & Kendall, PLLC may be able to assist with your claim.
The supercell thunderstorm that hit Texas with catastrophic hail in the spring of 2016 produced over 50 hail reports and millions of dollars of damage. Since then, insurance companies have been trying to mitigate their losses by underpaying or denying many hail claims. If you or a loved one has struggled to be fairly compensated for hail damage, you are not alone. At Grisham & Kendall, PLLC, we have the experience and resources to stand up to insurance companies on your behalf. The sooner you begin to fight for restitution, the better your chances will be. To help you begin the process, we have compiled a list of questions frequently asked by our clients when they come to us.
When you sign up for an insurance policy, you expect the insurance company to uphold its promise to pay the stated amount on your claim. What many policyholders don’t realize, however, is how skilled insurance companies are at adjusting that amount to better suit their financial aims. The fact that policies are designed by insurance companies makes it easy for them to find loopholes that allow them to underpay or deny your claim altogether. Fortunately, there are committed Dallas hail damage attorneys such as those at Grisham & Kendall, PLLC who fight against such unethical behavior.
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:
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 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.
At Grisham & Kendall, PLLC, we have represented hundreds of residential and commercial property owners in Dallas & Houston with their hail and wind property damage insurance claims. We know what steps must be taken to prove a hail and wind damage insurance claim and pursue the full benefits owed to you under your policy. From performing the necessary historical analysis of your property, reviewing applicable weather records, and retaining qualified and competent causation and damage experts, the attorneys at Grisham & Kendall, PLLC will aggressively fight for your rights under your policy of insurance.
At Smith Kendall, PLLC, our work guarantees itself. On your residential or commercial property hail claim, you will not owe us anything in fees or case expenses unless we recover additional insurance proceeds or compensation for you through settlement or trial.
If you believe your insurance company has failed to pay what it owes under the insurance policy for your hail claim, please call the Dallas hail damage claim lawyers of Grisham & Kendall, PLLC, at (713) 999-5085 to discuss your claim.