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Texas Wind & Hail Damage Insurance Claim Lawyers

Texas Litigation Firm Representing Clients Across the U.S.

Hail & Wind Damage Claims on
Residential and Commercial Property

Parts of Texas are battered annually by severe storms, especially between the months of April and July. Thunderstorms and other severe weather events such as tornadoes can be extremely devastating to homes and businesses, causing billions of dollars in damage every year. If you have insurance to cover storm damage and your insurance company is acting in bad faith, you may be without the financial compensation you need to get back to normal when your home or business has been damaged by storms.

Wind & Hail Damage Insurance Claim Lawyers in Dallas

Increasingly, insurance companies have taken the position that the reported rise in hail insurance claims over the last several years was due to unscrupulous contractors, public adjusters, and policyholder attorneys. In fact, insurance companies severely under reported 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 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.

Free Policy and Claim Review

The attorneys at Grisham & Kendall, PLLC have represented homeowners and commercial property owners for more than 20 years. We offer a free review of your policy and claim and are happy to discuss the issues that may apply to your individual claim relating to damages from frozen/burst pipes and sprinkler systems from this year’s Winter Storm. If you would like our attorneys to review your insurance policy at no cost and with no obligation, please call Grisham & Kendall, PLLC at (214) 308-2027 to schedule a call or contact us using the form.

Hail Damage Insurance Claims FAQ

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.

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?

Recent Reviews

My wife and I thought we were heading into a complicated legal odyssey with a destroyed commercial property until we hired Bill Kendall. His sustained focus and hard work was so effective that we had a great settlement within hours of the first deposition.
F. Jones
Multi-Family Property Claim (Dallas, TX)
Our large hotel was severely damaged by hail. After significant delays by the insurance company, our claim was denied. We hired Bill Kendall and Grisham & Kendall soon after. Through Bill’s efforts during our lawsuit, we were able to reach a favorable settlement close to trial. We would certainly recommend Grisham & Kendall, PLLC to any property owner whose insurance company isn’t treating them fairly.
D. Patel
Hotel Hail Claim

How We Can Help With Hail Damage Claims

If large enough, hail can be potentially damaging to anything it comes in contact with. At terminal velocity, hail with a three-inch diameter can fall at a rate of 110 miles per hour. This can severely damage automobiles, crops, and livestock, but it can also cause severe damage to your roof and gutters.

The danger of hail is that it can cause large amount of roof damage that many people are unaware of, especially on shingled roofs. The damage may not be evident until your roof begins to crack or even leak.

Property Damage From Hail

Hail can affect homes in a variety of ways. Typically, the flatter the roof, the more damage it will sustain because the hail will strike the roof more directly. The greater the slant of the roof, the more the hail will simply glance off of the surface. In either case, however, some damage may be likely to occur in a severe storm. Some of the damage caused by hail to homes includes:

 – Hail damage roof insurance claim
 – Splitting of shingles
 – Removal of shingles from roof
 – Cracks or holes in flat roofs
 – Granule loss in asphalt shingles
 – Air conditioner damage that effects the functioning of the unit
 – Damage to exterior paint
 – Siding damage
 – Broken windows

When homes are damaged by hail, necessary repairs can be prohibitively expensive and this is one of the many reasons that homeowners carry insurance coverage. Policyholders are protected by a contractual agreement, and an insurance company cannot be permitted to violate these terms.

Hail Damage Car Insurance Claims

Hail can come quickly and is often unpredictable, putting your vehicle at risk of being damaged by the hail if it is not parked in a covered space. While the extent of the damage often depends on how large the hail is and how long it lasted, even a few pieces of hail can do serious damage. Whether your vehicle has no more than a few barely visible dents or sustains heavy damage, your car may require automotive work. This type of repair is typically covered under insurance; however, if an insurance company denies your claim or does not fairly compensate you, you may be left with a hefty financial burden.

Unfortunately, many insurance companies deny legitimate claims from individuals for hail repair. If your property was damaged by hail and your insurance company has unfairly refused to pay for the damage or has underpaid, a Dallas insurance attorney of Grisham & Kendall, PLLC, may be able to help. To speak with an attorney about getting the payment you may be due, contact us today at (214) 308-2027.

Damage Inflicted by Hail

Hail can come in sizes as small as a pea, but can also reach the size of a golf ball. A piece of ice the size of a golf ball can cause incredible damage. Some of the types of damage hail inflicts on cars include:

 – Large dents in the body of the vehicle
 – Cracked or smashed front and back windshields
 – Broken or cracked side windows
 – Broken mirrors

When your car has suffered hail damage, you may be counting on your insurance company to help cover the costs of the repair. If they fail to do so in accordance to your insurance plan, you may be able to pursue legal action to get the full amount of money you need.

Wind and Hail Deductibles

Insurance companies sometimes use different deductibles for wind and hail damage than they do for other types of residential and commercial property damage. Thus, when a policyholder files a claim for damages linked to wind and hail, his or her deductible may be significantly higher than expected. However, when this occurs, policyholders should still consult their policies to ensure that their insurance provider is treating them fairly.

Although an insurer is allowed to ask for a higher deductible for wind and hail damage following a storm, it must be explicitly stated in the policy. Insurance providers that arbitrarily deny claims for wind and hail damage may be acting in bad faith. Dallas victims of this insurance bad faith can talk to the attorneys of Grisham & Kendall, PLLC to learn more about their legal rights and options.

Contact Us Today

If you believe your insurance company has failed to pay what it owes under the insurance policy for your hail or wind claim, please call the Dallas hail damage claim lawyers of Grisham & Kendall, PLLC, at (214) 308-2027 to discuss your claim.

Bad Faith with Wind and Hail Deductibles

With certain property insurance policies, policyholders may be expected to pay a certain percentage of their home’s insured value out of their own pockets before they receive insurance coverage for wind and hail damage. Depending on the insurer, this can range between one and five percent of the home’s value. This is legal when handled correctly, but it may be considered bad faith in the following situations:

1. The insurer has an option allowing a property owner to use a cash value instead, but then rejects that option later.

2. The insurer doesn’t have this type of deductible stated in the policy, but attempts to enforce it.

3. The insurer enforces a wind and hail deductible rate after the state government declares a state of emergency warranting regular deductibles due to a natural disaster.

In addition to these concerns, insurers who fail to properly calculate deductibles or respond to a policyholder’s claim may be committing bad faith against that individual or business.

How Our Wind Damage Claims Attorneys Can Help

At Grisham & Kendall, PLLC, we have represented hundreds of residential and commercial property owners in Texas 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.

Texas Wind Damage Insurance Lawyers Nearby

Wind damage to your home or business may include not only extensive roof damage, but also significant interior water damage caused by openings to the building by high winds. A structure’s foundations can also be damaged due to extreme winds associated with storms, tornadoes, and hurricanes. If you’ve suffered extensive damage to your property following severe storm-related winds, you will need to file a claim with your insurance company, as well as take steps to protect your property from further damage, if necessary.

Sadly, insurers often find reasons to delay, deny, and undervalue insurance claims. This is unfair to individuals who have suffered losses and were expecting to receive the insurance coverage they’ve been paying premiums for. The Dallas wind damage insurance lawyers of Grisham & Kendall, PLLC, have experience helping people whose insurance claims have been wrongfully denied.

Contact a Texas Hail and Wind Damage Insurance Lawyer

In addition to these concerns, insurers who fail to properly calculate deductibles or respond to a policyholder’s claim may be committing bad faith against that individual or business.

NO RECOVERY, NO FEE

At Grisham & 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.

We Look Forward to Reviewing Your Case With No Obligations and Costs Involved. CONTACT US

Wind Damage Claims on Residential & Commercial Property

In both residential and commercial property wind damage claims, the insurance companies will likely rely on the conclusions made by causation and damages experts who typically work almost exclusively for the insurance industry. While some damage is difficult to disregard even by an insurance company, if your claim has been denied or underpaid, you will need to hire your own wind damage experts if you intend on disputing the insurer’s claims decision.

The wind damage and loss attorneys at Grisham & Kendall, PLLC, have developed relationships with qualified professionals and experts who can thoroughly and accurately analyze your wind damage claim so that your insurance company can see a second, independent assessment of the damages to your property.

If our client’s insurance company refuses to take an honest second look at a claim, we will sue. As opposed to the insurance company’s hired defense attorneys, we work on a contingency basis, which means you don’t owe Grisham & Kendall, PLLC, any money either for attorney fees or expenses unless and until we force the insurance company to pay on your claim.

3. The insurer enforces a wind and hail deductible rate after the state government declares a state of emergency warranting regular deductibles due to a natural disaster.

In addition to these concerns, insurers who fail to properly calculate deductibles or respond to a policyholder’s claim may be committing bad faith against that individual or business.

Houston Hail Damage Attorneys
Grisham & Kendall, PLLC
Houston Office Location

3515 Fannin St. Houston, TX 77004

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