Tag: Commercial Hail Damage

Houston Motel Insurance Lawyers

Houston Motel Owner Files Hail Insurance Denial Claim

Raizner Slania has filed an insurance lawsuit on behalf of a local motel owner against Certain Underwriters at Lloyd’s, London after its hail damage claim was wrongfully denied under the Texas Insurance Code.

May 2016 Hailstorm

On May 13, 2016, a hailstorm swept through areas of Houston and caused significant damage to the roof, HVAC, exteriors, and interiors of the property. Immediately upon discovering the damages, the plaintiff filed an insurance claim and asked the cost of repairs be covered pursuant to the policy.

In response to the claim, Lloyd’s assigned representatives, adjusters, consultants, and agents to the plaintiff’s file that were inadequate and improperly trained. Specifically, Lloyd’s assigned the plaintiff’s claim to an internal representative, as the local claims representative charged with assessing damages under the policy. The internal representative was improperly trained and not equipped to handle this type of claim.

The internal representative failed to perform a thorough investigation of the claim and performed a substandard inspection of the property. The internal representative failed to provide an estimate or scope of damages to the plaintiff and refused to retain the appropriate consultants to evaluate the claim. In addition, the internal representative delayed the claims process and failed to communicate with the insured.

Lloyd’s relied solely on the representative’s substandard investigation to determine what amounts, if any, to pay on the claim. As a result of the representative’s haphazard inspection, misrepresentations, and inadequate investigation, Lloyd’s ultimately denied the plaintiff’s claim.

Lloyd’s Violated The Texas Insurance Code

Lloyd’s committed several violations of the Texas Insurance Code, including the failure to effectuate a prompt, fair, and equitable settlement of a claim, failure to adopt and implement reasonable standards for the investigation of a claim, and refusal to pay a claim without conducting a reasonable investigation.

Houston Motel Insurance Lawyers

The Houston motel insurance lawyers at Raizner Slania LLP are experienced attorneys who have taken on and won large insurance cases against some of the largest insurance companies in the world. If your insurance claim was wrongfully denied, delayed, or underpaid, call us today for a free consultation. We can analyze your situation and help you get the most from your policy.

Harris County Hail Damage Lawsuit Attorneys

Harris County Hotel Owner Files Hail Damage Insurance Lawsuit

Raizner Slania has filed a hail damage insurance lawsuit on behalf of a Harris County hotel owner against Liberty Mutual Insurance Europe, Ltd. and Engle Martin & Associates.

April 2015 Hailstorm

On April 19, 2015, a severe hailstorm swept through Harris County and caused substantial damage to the plaintiff’s property. In addition to the hailstorm, that same week there were three days of high winds that also impacted the property. As a result, the roof, HVAC, stucco, windows, exterior, and interior of the property were damaged.

Immediately upon discovering the damage, the plaintiff filed an insurance claim with Liberty Mutual to cover the cost of repairs to the property. Liberty Mutual assigned adjusters, consultants, and agents that were inadequate and improperly trained. Specifically, Liberty Mutual assigned the claim to Engle Martin & Associates as the third party adjusting firm to handle the claim, and Engle Martin in turn assigned the claim to its internal adjuster.

The internal adjuster was given investigative responsibility and certain decision-making authority, although he would have no authority to issue a significant claim payment, only a denial.

The adjusting firm and its internal adjuster conducted an unreasonable and inadequate investigation and denied any wind, hail, and water damage to the roof, HVAC, stucco, windows, exterior, and interior. He also grossly undervalued what damage he did accept. Specifically, the internal adjuster ignored facts supporting the plaintiff’s assertions of covered wind, hail, and water damages in April 2015 and instead only accepted facts that would support the pre-determined denial of the property damage.

Because of the internal adjuster’s haphazard investigation, no payments have been issued under the policy. Liberty Mutual and Engle Martin wrongfully denied the insurance claim and delayed the plaintiff’s claim for property repairs. This caused the plaintiff significant economic impact, worry, distress, and continuing economic and physical damage.

The Insurance Claim Was Wrongfully Denied Under Texas Law

Our client cites numerous violations of the Texas Insurance Code, including failure to effectuate a prompt, fair, and equitable settlement of a claim, failure to promptly provide a reasonable explanation for the denial of a claim, and failure to pay a claim without conducting a reasonable investigation.

Harris County Hail Damage Lawsuit Attorneys

Policyholders who pay their premiums are entitled to the coverage provided under their policies. If your insurance carrier has grossly underpaid or wrongfully denied your hail damage claim, the experienced Houston hail damage lawsuit attorneys at Raizner Slania can help. Contact us today to schedule a free consultation.

Hailstorm Damage Lawsuit

Arlington Hailstorm Damage Lawsuit

Our client, a local commercial building owner, was forced to file a lawsuit against Zurich American Insurance Company after its hailstorm damage claim was wrongfully denied under Texas law.

March 2016 Hailstorm

On March 17, 2016, a hailstorm swept across Arlington, Texas, substantially damaging the plaintiff’s properties. The properties suffered damage to the roof, HVAC, exterior, and interior. Immediately upon discovering the damage, the plaintiff filed a hailstorm insurance claim with Zurich. In response to the claim, Zurich assigned adjusters, consultants, and agents to the plaintiff’s file that were inadequately trained to handle this type of claim.

Specifically, Zurich assigned the claim to an independent adjuster with decision-making authority over the claim and responsibility for assessing damages to the properties under the policy. The independent adjuster failed to perform a proper and thorough investigation of the claim.

The independent adjuster failed to engage appropriate consultants and adjusters to objectively evaluate the damage and performed an outcome-oriented investigation aimed at denying the plaintiff’s claim. The adjuster utilized a vendor-preferred consultant to assess the damage, but failed to provide a scope of estimates to the plaintiff.

The plaintiff was forced to hire its own consultant to assess the damage and prepare an estimate, which included obvious damage the independent adjuster chose to ignore. Throughout the claims processes, defendants’ adjuster prolonged and delayed any claim resolution.

Zurich relied on the independent adjuster’s substandard investigation in making coverage determinations and in deciding what amounts, if any, to pay on the claim. As a result, the plaintiff’s hailstorm damage claim was grossly underpaid, and Zurich refused to issue further payments under the policy.

Zurich Violated The Texas Insurance Code

Our client cites numerous violations of the Texas Insurance Code, including the failure to pay a claim without conducting a reasonable investigation, failure to adopt and implement reasonable standards for prompt investigation of claims, and misrepresentation of the insurance policy under which it affords property coverage to the plaintiff.

Raizner Slania: Hailstorm Damage Claim Attorneys

If your insurance carrier denied, delayed, underpaid, or disputed a Texas hailstorm damage claim, call the experienced insurance lawyers at Raizner Slania today. Our lawyers have been extremely successful in obtaining fair compensation for victims of bad faith insurance practices throughout Texas and across the country. Contact us today to schedule a free consultation to discuss your case.

Bexar County Commercial Hail Damage

Bexar County Commercial Hail Damage Lawsuit

Our client, a commercial building owner, was forced to file a lawsuit against American National Property and Casualty Company (“American National”) after its hail damage insurance claim was wrongfully denied under Texas law.

April 2016 San Antonio Hail Storm

On April 12, 2016, a severe hail storm swept through Bexar County. As a result, the plaintiff’s business sustained significant damage to the roof, exteriors, and interiors of the property. Immediately upon discovering the damage, the plaintiff filed an insurance claim with American National for damages caused by the storm. The plaintiff asked for the cost of the repairs to be covered pursuant to the policy.

In response to the claim, American National assigned representatives, adjusters, consultants, and agents to the plaintiff’s file that were inadequately and improperly trained to handle this type of claim. Specifically, American National assigned the claim to an internal representative charged with assessing the damage.

The internal representative performed a substandard inspection of the property and did not prepare any estimates or scopes of damages. Instead, the internal representative retained a preferred vendor who was not qualified to evaluate this type of loss to inspect the damage. The internal representative refused to retain appropriate consultants to evaluate the claim.

American National relied solely on the internal representative’s substandard investigation to determine what amounts, if any, to pay on the plaintiff’s claim. As a result of the haphazard investigation, American National wrongfully denied the plaintiff’s insurance claim.

Because of American National’s refusal to pay the claim, the plaintiff has not been able to make necessary repairs and the property has suffered further damage to the interior, roof, and other areas.

American National Violated The Texas Insurance Code

Our client cites numerous violations of the Texas Insurance Code, including failure to effectuate a prompt, fair, and equitable settlement of a claim, failure to implement reasonable standards for the investigation of a claim, and refusal to pay a claim without conducting a reasonable investigation.

Raizner Slania: Hail Damage Claim Attorneys

If your insurance carrier denied, delayed, underpaid, or disputed a Texas hail damage claim, you need an experienced team of insurance lawyers to help you get the compensation you deserve. The attorneys at Raizner Slania are extremely successful in obtaining fair compensation for victims of bad faith insurance practices. Contact us today for a free consultation to discuss your case.