Texas leads the nation in the number of hail damage insurance claims filed and the amount of the damage by a wide margin. South Dakota, the state with the next highest amount of claim damage, trails Texas by more than 30%.
According to RMIIA’s The Hail Hazard and Its Impact on Property Insurance:
Because Texas has so many hail incidents each year, it’s important for commercial and residential property owners to carefully review their insurance policy coverage, noting limits for hail damage and whether the policy has “cosmetic damage” exclusions.
Hail storms are more common in the spring and early summer, but a hail storm can happen at any time of the year, especially when the temperatures fluctuate widely. Hail can cause a great deal of property damage, including:
Hail can also damage other buildings on your property, like a porch, shed, or other outbuilding.
Roofs often take the worst damage in hail storms, such as:
The high winds accompanying a hail-producing thunderstorm can also knock down trees and power lines. If a tree falls on your house or car, you’re looking at some serious, expensive damage.
If you know you live in a part of Texas more susceptible to hail storms, there are a few steps you can take to protect your home and property. Changing regular windows to impact-resistant windows or installing hurricane shutters on your home or business reduces the chances of windows breaking.
Your insurance company will send an insurance adjuster to assess the extent of your property’s hail damage after a storm.
Insurance companies are well-known to undervalue or deny claims, so one way to protect yourself is to have your contractor meet with the insurance adjuster to ensure the true extent of the damage is verified by a professional.
Residential hail damage insurance claims include damage to your home and other buildings on your property and are covered by your homeowner's insurance policy. Some policies have an exclusion for “cosmetic damage,” which means that if the hail-damaged part of the home is still functional, the damage won’t be covered.
Commercial building owners see much of the same sort of property damage as a homeowner. Check your commercial policy carefully to ensure you have enough coverage. If the hail damages the roof and leads to damage to the building’s interior, you may be liable for damage suffered by the tenant.
Even if your vehicle was parked at your house when it was damaged by hail, it’s still covered by your auto insurance, not your home insurance. Vehicle hail damage can be extensive, including:
When your car is covered in small dents or has water damage inside due to a broken window, and you don’t receive the full amount of damages covered by your insurance company, contact a lawyer about taking legal action.
Our hail damage attorneys strive to ensure you receive the maximum hail damage claim amount. Fill out our contact form for a free consultation with a Texas hail damage attorney!
The most common reason these claims are denied is that the insurance company determines that there is no real damage — only “cosmetic,” or the damage was already present. However, this isn’t the only reason an insurance adjuster will undervalue or deny your valid hail damage claim.
Some other common reasons for an insurance claim denial or undervaluation include:
Even if the insurance company approves your claim, it will often propose the least-expensive solution to the problem. This may mean you will have to compromise the repair job for your home or business, and a poorly executed or incomplete hail damage repair could leave your building even more vulnerable to damage and leaks the next time a hail storm blows through.
Hail damage lawyers can help ensure that your insurance company treats you fairly and pays the true amount of your claim.
Even if you never miss a premium payment or it’s your first time filing a claim on the policy, your insurance company may still try to limit the payment on your valid claim.
An attorney who understands Texas insurance laws can prevent this from happening, from making sure that your claim is properly supported to drafting an appeal for a denied claim or even filing legal action for bad-faith insurance practices.
There’s no one-size-fits all solution. Every client is individual and we tailor our services for their specific needs.
We have a proven track record of successful case results.
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It’s simple: if we don’t win, you don’t pay.
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Mr. Ochoa was able to help us after a hurricane get us more for our property damage. Also great friendly staff was able to answer all questions!!!
First time getting a lawyer for an accident, Omar Ochoa Lw firm was very helpful in providing clear instructions and information to help me battle my motor vehicle case. I would highly recommend.
I am highly recommending Omar Ochoa law firm. We had damage to our roof and were not satisfied with our insurance. Got recommended to Mr Ochoa he really did all he Could to help us get enough to repair our roof. Staff are also very friendly and helpful. This currently helps to feel welcome. Again I highly recommend if you are looking for help with roof repair and you were not satisfied with your insurance reimbursement
No matter where your hail-damaged property is in the Lone Star State, trust the Omar Ochoa Law Firm to help you receive your fair claim allotment. We work with clients across Texas! We can ensure that your insurance company properly covers your hail storm damage repair.
Our lawyers are here to help home and commercial property owners. Contact us today for a free initial consultation with an experienced and qualified property damage lawyer.
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The first step we take is reviewing your commercial property, homeowners, or auto insurance policy to see what's covered. It’s not uncommon for Texas property owners to experience hail damage at some point, so most policies should cover this damage.
However, if you filed a claim and are being stonewalled by the insurance company, or presented with an offer for less than you need for repairs, call our law offices.
What damage is covered is limited by the terms of your policy and the specific circumstances under which it was damaged. Hail storms usually cause both roof and water damage, and usually, your insurance policy will cover both, since the water damage is often a direct result of the hail damage.
However, it’s hard to get the full amount you need for repairs without proper documentation of all the damage for your claim. Working with an experienced hail damage claim attorney makes it easier to submit a solid claim.
Texas homeowners insurance policies have several specific provisions of what kinds of damage are covered and what causes are acceptable for insurance coverage. You may have different deductible amounts based on how the property damage was sustained.
Many policies have a separate wind hail damage deductible, which may not be different from your general property damage deductible. It exists because wind and hail damage is the single most common type of residential property damage claim in Texas, so insurance companies separate this instance in order to control claim costs.
Wind and hail coverage and the accompanying deductible apply when high winds or a hail storm causes property damage. It usually just applies to roof damage but can also include damage to areas of the home like your windows, guttering, siding, and fence.