At McLaurin Law, we help clients in Texas file wind and hail damage insurance claims, and we manage appeals and lawsuits when valid claims due to wind or hail have been denied by the insurance company.
Houston, Texas
Wind and Hail Damage Insurance Claim Lawyers
”“McLaurin Law pays attention to their clients and works around their clients’ needs. They took time to hear the case with patience and provided us assurance and comfort to handle the case quickly and properly. They kept communicating with us and provided updates in a timely manner. Would recommend!”
- Sunita Raj
When Do You Need a Wind and Hail Damage Insurance Claims Lawyer in Texas?
Wind and hail can wreak havoc on your home. The damage may be cosmetic, or it may be more severe, requiring prompt attention to avoid additional damage from the elements. When you experience damage from these natural elements, you expect your insurance company to uphold its duty to pay for your repairs. Perhaps you have been unpleasantly surprised that your insurance company has denied your wind and hail damage claim, or maybe you are seeking to avoid such a scenario. In either case, you should take early steps to work with an experienced wind and hail damage claims lawyer.
Unfortunately, insurance companies are notorious for denying claims or failing to pay the full claim amount. These companies are in the business of making money, and sometimes that means swindling their customers.
If your insurance company has denied your wind damage or hail damage claim, you need an experienced hail or wind damage claim lawyer on your side to help you navigate the steps ahead.
Why Do Insurance Companies Deny Wind and Hail Damage Claims?
In many instances we’ve seen, the “reasons” insurance companies cite for denying property damage claims don’t actually reflect the actual facts of the case. Here are a few examples:
- Failing to file the claim on time
- Not paying premiums leading up to the claim
- Insufficient documentation of damage
- Including false or misleading statements
- Claiming damage outside of your policy coverage
We may be able to follow up with an appeal that addresses the reasons cited by the insurance company, or they may be denying your claim in bad faith.
Common Types of Damage After Wind and Hail Storms in Texas
Strong winds and hail storms can leave thousands of dollars of damage in their wake — even after just a few minutes. Wind can damage several aspects of your property. After a period of strong winds, you may notice the following types of damage:
- Loose or missing shingles
- Fallen trees
- Dented siding
- Broken windows
- Loose or broken gutters
- Severe roof damage
Meanwhile, hail can impact and dent all of the external features on your home, such as your:
- Roof
- Windows
- Siding
- Air conditioner units
- Garage
- Shed
Hail and wind damage can leave you with massive repair bills for both your home and vehicle. If your insurer denies these claims, our attorneys help you dispute the denial to secure the funds needed to restore your property and move forward.
What to Do When an Insurance Company Denies a Wind and Hail Damage Insurance Claim in Texas
If your insurer has denied your hail and wind damage claim, you will need to file an appeal. This process is very involved, and you only have a limited time to file.
Filing an appeal with the insurance company will involve the following steps:
- Reviewing your homeowners insurance policy to determine the appeals process.
- Reviewing your coverage to determine where your insurer breached its duty.
- Collecting and organizing evidence to support your appeal.
- Filing a formal complaint.
Approaching the appeals process strategically is a crucial step towards your success. Your attorney can help you navigate this process. Contact our team today to schedule a strategy session.
Why Choose McLaurin Law
Since 2017, McLaurin Law has served hundreds of Texas clients with a focus on commercial, insurance, and personal injury law. We offer 24/7 availability and 30-minute initial strategy sessions.
Our firm is led by Jason C. McLaurin, who provides a distinct “Insider Advantage.” Having worked for insurance companies, he uses that industry knowledge to counter denied or undervalued claims.
While we handle complex litigation like maritime liabilities and road accidents, our true difference lies in our relentless advocacy. We serve Houston, Sugar Land, Baytown, Katy, and Pearland, taking the stress off your shoulders by leading you through every step of the legal process. Our team understands the tactics insurers use, and we leverage that experience to ensure you receive the maximum compensation possible with as little frustration as possible.
Frequently Asked Questions
What Happens If an Insurance Company Denies an Appeal?
If an appeal fails, your next step is often filing a lawsuit. Denials of valid claims can stem from bad faith. An attorney helps gather evidence and navigates the legal process, including mediation or arbitration. We examine every detail of your case to determine the most effective route for seeking the fair compensation you deserve.
How Can an Experienced Texas Wind and Hail Damage Claims Attorney Help?
Insurers often rely on your lack of technical policy knowledge to underpay claims. Our team provides the resources and perspective needed to effectively appeal or litigate. Whether you are filing an initial claim or responding to a denial, involving an experienced attorney early ensures your rights are protected and helps you secure a fair settlement.
What is the "Appraisal Process" in Property Claims?
Most Texas policies include an appraisal clause to resolve disputes over the amount of loss. If you and your insurer disagree on repair costs, each side hires an appraiser. They then select an umpire to make a binding decision. This is a technical process where having an experienced legal team is vital to ensure your property is valued accurately.
Can I Reopen a Claim After It Has Been Closed?
Yes, in many cases you can. If you discover additional damage that was missed during the initial inspection (common with roof hail strikes) you can file a supplemental claim. However, this is difficult if you have already signed a full release. We can review your paperwork to see if you still have the right to seek additional funds for repairs.
McLaurin Law is Here to Help – Contact Us For Your Wind and Hail Damage Claims
Contact our wind and hail damage claims legal team today in Houston, Texas to schedule your strategy session. McLaurin Law: When you need more than luck on your side.
