Texas Homeowners’ Hail Claim

These denials can have devastating financial effects on claimants whose homes are in need of repair. These issues can be exacerbated in the aftermath of hurricanes and other catastrophic events. Our attorneys have experience working with clients who have been shortchanged by their insurance companies and have succeeded in recovering the compensation to which our clients were entitled.

If you have a Texas homeowners’ hail claim that has been denied or undervalued, we can help!

Texas Homeowners’ Hail Claim

Our attorneys can examine your policy to determine your coverage and any payment(s) the company is required to make. The attorneys may also conduct a thorough investigation into previous and current home inspections, audits and other documentation on your home.

Dealing with an insurance company can be difficult. These companies have made the process of filing and collecting on insurance claims a daunting task, with the hopes that most policyholders will abandon their claims. We want to simplify the process of disputing insurance claims to help ensure homeowners get the help they deserve.

Does My Policy Cover the Damage?

Determining whether the damage incurred is covered by the homeowner’s insurance contract is one of the most common issues presented by a Texas Homeowners’ Hail Claim. Typically, homeowner’s insurance covers property damage (including residential premises, unattached structures, and personal property) as a result of unexpected events such as fire, wind, hail, vandalism, and theft; however, coverage will be determined by the policyholder’s specific insurance policy coverages.

Why Was My Claim Denied?

If your claim has been denied, the first thing to know is that insurance companies are for-profit businesses; it is in their best interest to avoid paying claims. If a home has been damaged, the insurance company may offer a low-ball settlement or deny the claim altogether to avoid depleting their cash reserves. To avoid paying claims, the insurance company may try to categorize the damage as exceeding the scope of the policy. They may blame the damage on factors other than those covered in the policy, or offer a low-ball settlement should they determine it is a valid, unavoidable claim.

For example, roof damage is often a point of contention between insurance companies and homeowners. The homeowner will file a claim stating that the roof was damaged by hail, wind, or natural disaster(s), while the insurance company will allege the damage is a result of wear and tear – which is not covered under the policy.

Damage to your home can be costly. If you believe your insurance provider has wrongfully denied your claim or offered a less-than-acceptable payout, please contact us today.