Texas Tornado Damage Insurance Attorneys

If your home or business was damaged by the eleven tornadoes that ripped through North Texas on October 20, 2019 please contact Grisham & Kendall, PLLC, at (214) 308-2027 to learn how we can help represent you to fight denied or underpaid claims.

The attorneys at Grisham & Kendall, PLLC have specialized in helping policyholders with their insurance claims for tornado damage. In fact, our Dallas attorneys have helped individuals in Texas, Oklahoma, Colorado, and Florida with tornado damage claims for over 15 years. As a small firm, we have been able to focus on all things related to tornado claims. No matter how solid your claim, insurance companies will always look to protect themselves and try to avoid paying you what you are owed. Please contact us today for the experience, skill, and compassion you need on your side to ensure that your insurance policy claim is honored.

Tornadoes can turn your beautiful home or your thriving business into rubble in the blink of an eye. There is something uniquely threatening about a massive wind vortex approaching a stationary structure. There is nothing your home or business can do to get out of the way, and it is at the mercy of the storm. When met with a tornado of swirling winds of up to 300 mph, your property is likely to sustain severe damage.

Sadly, these vicious storms are more common than most people think. According to a study by the National Oceanic and Atmospheric Administration, the following states have, on average, the listed number of tornados per year statewide:

Each tornado has the potential to cause serious damage to your property, whether it is your home or your commercial business. For this very reason, you have likely paid premiums for an insurance policy to cover these potential damages in the event of a violent tornado.

Unfortunately, the insurance companies will try to withhold every penny possible. Tornado and other windstorm insurance policies generally require the policyholder to give proof of the loss within a certain amount of time. Sometimes, the insurance company will try to avoid paying for damage done to the inside of your home or business, even though the tornado is what destroyed the exterior of your building in the first place.

Often, policies that cover damage caused by the violent winds of a tornado can come under several labels on your policy, including hurricane, storm, tornado, windstorm, cyclone, or weather insurance. Whatever the label, your insurance company may try to exclude coverage. This might even be the case if you have purchased an all-risks insurance policy. The point is that the insurance company will often try to refuse to pay you for the tornado damage you sustained. If the company’s conduct has been particularly inappropriate, you may have a bad faith action against the company. For recovery under your policy, and for bad faith litigation, it is important that you have the experienced Dallas tornado damage attorneys of Grisham & Kendall, PLLC on your side. We will fight the insurance companies on your behalf and ensure that your insurance claims are honored. Please call us today at (214) 308-2027.

A tornado is an extreme force of nature that can happen with little prior warning, destroying everything in its path. Tornadoes are able to completely destroy homes, depriving owners of their residences and all of their belongings. Needless to say, the effects of a tornado can be devastating to a family, so people depend on their insurance companies to help them recover what they have lost and begin rebuilding their lives. It is important for an insurance company to provide adequate payment on insurance claims for their policyholders in the event of a tornado. When insurance companies wrongly deny or underpay victims of tornadoes, legal action may be necessary.

If your home was damaged or destroyed by a tornado and you are having trouble getting your insurance company to cooperate, you may need the assistance of an experienced insurance attorney. At Grisham & Kendall, PLLC, our Dallas insurance claims attorneys are committed to holding insurance companies accountable and helping our clients fight for the money they need. To speak with one of our attorneys today, contact us at (214) 308-2027.

Coverage for tornado damage in insurance policies usually falls under the category of “windstorm damage”. Coverage for tornado damage typically includes:

• Loss of home – The insurance policy will provide coverage for the loss of your home. Depending on your policy, the value is based on either the market value of your home or the replacement value.
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• Other Structures – Covers structures such as tool sheds or garages that are separate from the house.
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• Personal Property – Coverage for certain items in your home that were your personal property. Not all personal property is covered.

• Loss of Use – This coverage provides for temporary living expenses while you are deprived of a permanent home.

The amount of coverage a person will receive varies from policy to policy, but if an insurance company denies or underpays a valid claim, you may be entitled to pursue the appropriate compensation from them by taking legal action.

At Grisham & Kendall, PLLC, we are experienced in dealing with insurance company defense tactics and know how to fight back on behalf of policyholders by confirming weather history for the affected property, thoroughly documenting the existing damages, obtaining and reviewing previous property inspection reports (including inspections performed by the insurance company as part of their underwriting process), and hiring qualified causation, damages, and insurance bad faith experts to prove your case in court against the insurance company. If you decide to contest your insurance company’s coverage decision, it will spend whatever it takes to hire its own attorneys and experts to defeat your claim.

Grisham & Kendall, PLLC, works on a contingency-fee basis. We also front the case expenses necessary to combat the insurance company in litigation. We promise to aggressively pursue your rights under the insurance policy if your tornado claim was delayed, underpaid, or denied.

If your home or business has been damaged by a tornado and your insurance company refuses to treat you fairly, please contact the Dallas tornado damage insurance claim attorneys of Grisham & Kendall, PLLC, at (214) 308-2027 to discuss your case.

Standard homeowners insurance policies typically include dwelling coverage, which can help to pay to repair or rebuild your home if it is damaged by a tornado.

Personal property coverage may be used to help pay for repairs or to replace damaged or destroyed belongings that were inside your home during a tornado or wind damage.

Yes, home insurance policies typically cover damage from either winds or tornadoes.

After a storm, the average costs for home repairs run between $3,000 and $7,000.

Yes, most standard homeowners policies cover several natural disasters, or “acts of God,” such as hurricanes, tornados, and other storms. However, other “acts of God” such as floods and earthquakes are typically not covered.