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.
If your insurance company denied your wind and hail damage claim, it probably stated a reason — even if that reason doesn’t reflect your actual case or their actual purpose for the denial. Here are a few reasons insurance companies cite for denying property damage claims:
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. Contact our wind and hail damage claims legal team to schedule a free strategy session.
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:
Meanwhile, hail can impact and dent all of the external features on your home, such as your:
A hailstorm can also cause significant damage to a car parked outside. Much of the resale value of a vehicle can hinge on its cosmetic condition, and damage to the windshield, windows, or sunroof/moonroof can also prevent its normal use. Hail damage to your vehicle will often be included if you have comprehensive coverage for your car insurance, which would be handled separately from damage to your home.
When an insurance company refuses to pay for expensive hail and wind damage, you may be left with a hefty repair bill. Without compensation through your insurance policy, you may be unable to pay for the repairs you desperately need to restore your home to a safe condition. When you work with our hail damage attorney team, we can help you dispute the claim denial and seek the funds you need to repair the damage and move on with your life.
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. Our wind and hail damage claims attorneys are experienced in organizing and backing up your claim information before presenting it to the insurance company in a timely and effective manner.
Filing an appeal with the insurance company will involve the following steps:
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 free strategy session.
If your insurance company has denied your appeal of the claim denial, your next step may be to sue your insurer. Denial of a valid claim may be due to bad faith on the part of the insurance company.
Your hail damage attorney can help you file your lawsuit against the insurance company, gather evidence to prove your claim, and guide you through the legal process. As you seek a settlement, alternative dispute resolution methods such as mediation or arbitration may come into play.
Your lawyer will examine the specific elements of your case to determine an effective route to seek fair and appropriate compensation.
If an insurance company has denied your claim for wind and hail damage, you may be unsure how to proceed. Without in-depth, specific insurance knowledge or experience, you may not have the necessary skills, resources, or perspective to effectively appeal your claim denial on your own.
Our team of wind and hail damage insurance claim lawyers is prepared to help you appeal your claim denial and take other legal measures to seek a fair and appropriate settlement. You should involve an experienced Texas insurance claims attorney early in the process, whether you are filing your initial claim or responding to a claim denial.
Contact our wind and hail damage claims legal team today in Houston, TX to schedule your free strategy session. McLaurin Law — When you need more than luck on your side
We respect your privacy. The information you provide will be used to answer your question or to schedule an appointment if requested.
Typically, the answer to this is absolutely not. Insurance companies are looking out for their own best interests and will try to get you to settle for an offer that is far below what you deserve. At McLaurin Law, we can help you seek an appropriate settlement.
After an accident, you should typically file a claim with the insurance provider of the negligent party who is responsible for your accident. It is important that you move with haste in filing a personal injury claim with the insurance carrier after an injury has occurred. Should a lawsuit eventually become necessary, it is also important to keep in mind that in the state of Texas, you must file a personal injury lawsuit within two years of the date the injury occurred.
Below are some frequently asked questions about Theft and Vandalism Claims:
Commercial insurance policies often cover losses due to vandalism, or the intentional destruction or defacement of property, but will not cover theft or burglary losses. This can be particularly complicated in cases where vandalism leads to the theft of certain items on the premises.
Homeowners’ and renters’ insurance policies generally cover vandalism and theft for residential properties. If you own your home, your homeowners’ policy will cover damage to the structure and your contents or personal belongings. If you rent your home, the property owner’s policy will cover damage to the property, while your renters’ insurance will cover your personal belongings inside the home.
Insurers often don’t like paying claims for damages sustained by their policyholders. They may assess the risks associated with your home or business location and income levels and adjust their coverage limits, so they have a decreased responsibility to pay for damages due to theft or vandalism.
For commercial policyholders, your insurance company may require you to minimize the risk of vandalism or theft. Your insurance company could require you to install security cameras and devices, advanced locking systems, and appropriate lighting. Your insurance company could still require higher coverage limits if your business is in an area that reports an increased number of thefts or vandalism.
There are several reasons your insurance company might deny a claim. A vandalism and theft attorney from our office can help you review your policy and claim denial to determine the following:
A theft and vandalism lawyer with our firm can help you determine which losses listed in your policy best fit the situation and file the appropriate evidence for your claim. Your theft and vandalism claims attorney can also speak with the insurance adjusters on your behalf. Call us at (713) 461-6500 when you need more than luck!
Below are some frequently asked questions about Wind and Hail Damage Claims:
You will need evidence that the damage your home sustained came from wind or hail.
Common signs of wind and hail damage include:
Get an inspection if you suspect your home sustained damage during a recent storm. Roofing contractors with certifications in home inspections will often be willing to mark and take photos of the damage they identify during inspection of your home and roof. A wind and hail damage attorney with our firm can use their reports to fight for approval of your claim with your insurance company.
Call our McLaurin Law wind claims attorney if your home shows signs of wind damage after a hurricane, tropical system, or particularly windy day. We can help you file your claim with your insurance company and represent you when the insurance company’s claims adjuster has additional questions.
Many insurance companies try to deny or underpay claims based on arbitrary rebuttals. For example, if you have both wind and hail damage, they may reject a portion of the claim because you filed a wind claim.
Hail damage often affects roofs more than any other part of the home. Sometimes hail only damages part of a roof, requiring a simple repair. Other times, you’ll have enough roof damage to require a full roof replacement. A McLaurin Law attorney can work closely with your roofer and insurance company to fight for full claim approval.
Insurance companies often deny claims despite ample evidence of legitimate storm damage. When this happens, the next step is to file a lawsuit against the insurance company with the guidance of a wind and hail damage claims attorney. If your insurance company denies your claim, contact us. Call McLaurin Law in Houston, TX, at (713) 461-6500 when you need more than luck!
Your number one priority should be your well-being. Seek out medical advice as soon as possible to ensure that you get the treatment you need. You should also move quickly to consult with an attorney to assist you with your personal injury claim. Critical events occur early in the personal injury claims process—such as interviews with adjusters and early damages assessments—so do not delay speaking with an attorney.
Browse our growing library of multimedia educational content to better understand the rules and processes involved in your Texas injury case or insurance claim. Review the items relevant to your issue, and let us know your questions.
Office Hours: 8:30 AM - 5:00 PM
Available by Phone: 24/7
We respect your privacy. The information you provide will be used to answer your question or to schedule an appointment if requested.
Office Hours: 8:30 AM - 5:00 PM
Available by Phone: 24/7
