Tag: Hail Damage

Dallas County Hail Damage Attorneys

Condominium Owners Association Files Hail Damage Insurance Lawsuit

Raizner Slania has filed a hail damage insurance lawsuit on behalf of a Dallas County condominium owners association against Peleus Insurance Company, Strata Claims Management LLC, and Engle Martin & Associates, Inc.

March 2016 Wind and Hail Storm

On March 23, 2016, a wind and hail storm swept through Dallas County causing substantial damage to the roofs, HVAC, exteriors, and interiors of the condominiums. Immediately upon discovering the damage, the plaintiff filed an insurance claim under its policy with Peleus for damages caused by the storm. The plaintiff asked that the cost of repairs be covered pursuant to the policy.

In response to the claim, Peleus assigned adjusters, consultants, and agents to the plaintiff’s file that were inadequate and improperly trained. More specifically, Peleus assigned Strata to adjust the claim and Strata assigned the claim to a claims manager. Peleus also assigned the plaintiff’s claim to Engle Martin, who in turn assigned it to an employee to adjust the damage.

Strata and Engle Martin failed to perform a thorough investigation of the claim. Strata, Engle Martin, and their representatives failed to prepare any estimates or scopes of damages to the property for the plaintiff. They also grossly undervalued the damages they did accept. Strata, Engle Martin, and their representatives made false representations to the plaintiff, including illegitimately representing that the entirety of damages occurred prior to the policy period and improperly ignoring facts confirming and supporting the hail and wind event and in turn extent of damages.

Peleus had ultimate decision-making authority over the claim. Peleus falsely denied the claim, failed to conform to proper claim settlement practices in Texas, failed to properly supervise its designated representatives, and unreasonably denied and delayed full and fair claim payment.

Our client was forced to hire its own consultant to adjust the damages because Peleus refused to do so. The plaintiff’s own consultant has identified substantial damage far beyond what Peleus acknowledged.

The Carriers Violated the Texas Insurance Code

Our client alleges numerous violations of the Texas Insurance Code, including the failure to effectuate a prompt, fair, and equitable settlement of a claim and misrepresentation of the insurance policies under which it affords property coverage to the plaintiff.

Dallas County Hail Damage Attorneys

Many insurance companies purposefully misrepresent policies during claims investigations to avoid costly payouts. If your insurance carrier delayed, denied, or undervalued your claim, the experienced Dallas County hail damage attorneys at Raizner Slania can help. Call us today for a free consultation to discuss your case.

Texas Insurance Lawyers

Harris County Retail Building Owner Files Insurance Lawsuit

Our client, a retail building owner, has filed an insurance lawsuit against Lexington Insurance Company, Clear Blue Specialty Insurance Company, Arch Specialty Insurance Company, James River Insurance Company, Landmark American Insurance Company, Aspen Specialty Insurance Company, Sompo American Insurance Company, and McLarens, Inc. The carriers wrongfully denied the plaintiff’s commercial hail damage insurance claim under Texas law.

June 2013 Hailstorm

On June 5, 2013, the plaintiff’s property was substantially damaged by a wind and hailstorm that swept through Harris County. The storm caused damage to the roof, HVAC, exterior, and interior of the property. Immediately upon discovering the damage, the plaintiff filed an insurance claim with the carriers for damages caused by the storm.

In response to the claim, the carriers assigned adjusters, consultants, and agents to the plaintiff’s file that were inadequate and improperly trained. Specifically, the carriers assigned the claim to McLarens, Inc. who in turn assigned the claim to an employee.

McLarens and its employee failed to perform a thorough investigation of the claim. The employee performed a substandard inspection of the property, failed to prepare any estimates or scopes of damages to the property, and/or failed to provide them to the insured. The employee falsely claimed the damage was merely cosmetic, however an adequate investigation would have proved otherwise.

Based on the employee’s haphazard investigation, the carriers grossly underpaid and wrongly denied the plaintiff’s insurance claim. The carriers represented to the plaintiff that some damages were not covered under the policy, when in fact they were. The plaintiff was forced to hire its own consultant to independently evaluate the damages to the property because the carriers refused to do so.

Violations of the Texas Insurance Code

Our client alleges the carriers violated the Texas Insurance Code by failing to effectuate a prompt, fair, and equitable settlement of a claim, failing to adopt and implement reasonable standards for prompt investigation of a claim, and failing to affirm or deny coverage of a claim within a reasonable time.

Texas Insurance Lawyers

When you pay your premium, you deserve to be compensated by your insurance company in the event of natural disaster. If your insurance carrier delayed, denied, or undervalued your claim, the Texas insurance lawyers at Raizner Slania can help. Call us today for a free consultation to discuss your case.

Hail Damage Insurance Lawsuit

Denton County Gas Station Files Hail Damage Insurance Lawsuit

Raizner Slania has filed a bad faith insurance lawsuit on behalf of a Denton County gas station and convenience store after Nationwide Property & Casualty Insurance Company wrongfully denied its commercial hail damage insurance claim.

March 2016 Hailstorm

On March 23, 2016, a wind and hailstorm swept through Denton County, Texas. As a result, the plaintiff’s property was substantially damaged, including damage to the roof, exterior, interior, products, and other business property. Immediately upon discovering the damages, the plaintiff filed an insurance claim with Nationwide to cover the cost of repairs pursuant to the policy.

In response to the claim, Nationwide assigned adjusters, consultants, and agents to the plaintiff’s file that were inadequate and improperly trained. Specifically, Nationwide assigned the claim to an adjuster who was charged with the responsibility of assessing the damages. The adjuster performed a haphazard investigation of the damages and prepared a grossly undervalued estimate of damages to the structure that ignored obvious damages to the property. Additionally, the adjuster failed to engage appropriate, non-biased consultants to evaluate the damage.

Nationwide relied solely on the adjuster’s incomplete and inadequate investigation to determine what amounts to pay on the claim. As a result, the plaintiff was grossly underpaid for the cost of repairs and has been unable to complete repairs to the property. Nationwide misrepresented coverage under the policy to the plaintiff, stating that certain damages were not covered, when in fact they were.

Nationwide 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 and failure to implement reasonable standards for the investigation of claim. Additionally, our client alleges Nationwide violated the Deceptive Trade Practices-Consumer Protection Act (DTPA), which provides additional protections to consumers who are the victims of deceptive, improper, or illegal practices.

Know Your Rights As A Policyholder

If your gas station or convenience store has suffered hail damage, your insurance company should pay to cover the cost of repairs. Unfortunately many insurance companies try to find ways to minimize payouts. When this happens, you will need an experienced Texas insurance lawyer to help you get your rightful compensation. If you are facing a dispute over an insurance claim, contact Raizner Slania today to discuss your rights.

Harris County Bad Faith Insurance Lawyers

Harris County Hotel Owner Files Lawsuit Against Scottsdale Insurance Company

Raizner Slania has filed a bad faith insurance lawsuit on behalf of a local hotel owner against Scottsdale Insurance Company after its wind and hail damage claim was wrongfully denied under Texas law.

January 2016 Wind and Hail Storm

On January 8, 2016, a severe wind and hail storm swept through Harris County, causing significant damage to the roof, interior, and exterior of the plaintiff’s hotel property. Immediately upon discovering the damage, the plaintiff filed an insurance claim with Scottsdale and asked the cost of repairs be covered pursuant to the policy.

In response to the claim, Scottsdale assigned adjusters, consultants, and agents to plaintiff’s file that were inadequate and improperly trained and that would violate standard insurance practices when directed to do so by Scottsdale.

Specifically, Scottsdale assigned the claim to an adjuster who failed to perform a thorough investigation of the damage. Scottsdale refused to hire qualified experts to appropriately assess the damage. In February 2017, Scottsdale wrongfully underpaid and denied the plaintiff’s claim.

Scottsdale represented to the plaintiff that certain damages were not covered under the policy, when in fact they were; and the insurer continued to deny timely payment to cover the cost of the damages. Because of this, the plaintiff was forced to hire their own consultant to independently evaluate the damages to the property.

The repeated delays of payments subjected the plaintiff to significant economic impact and physical damages. Because of Scottsdale’s delays, denials, and underpayment, the plaintiff has been unable to make necessary repairs to the property, which has resulted in further property damage and additional financial harm from loss of revenue.

Scottsdale Violated The Texas Insurance Code

Our client alleges numerous violations of the Texas Insurance Code, including the failure to effectuate a prompt, fair, and equitable settlement of a claim and the failure to provide a reasonable explanation for the denial of a claim.

Harris County Bad Faith Insurance Lawyers

Policyholders deserve to receive their rightful payments under their insurance policies. The experienced Harris County bad faith insurance lawyers at Raizner Slania have helped hotel owners across Houston and throughout Texas get their rightful payments from agencies and insurance companies operating in bad faith. If your insurance company wrongfully delayed or denied your claim, contact us today for a free consultation.

Wind and Hail Damage Lawsuit

Local Funeral Home Files Wind and Hail Damage Lawsuit

Raizner Slania has filed a wind and hail damage lawsuit on behalf of a local funeral home against Ohio Security Insurance Company after its commercial property hail damage claim was wrongfully denied under Texas law.

April 2014 Tarrant and Dallas County Wind and Hail Storm

On April 4, 2014, a wind and hail storm swept through Tarrant County and Dallas County and caused severe damage to the roof, HVAC, exterior, and interior of the property. Immediately upon discovering the damage, the plaintiff filed an insurance claim with Ohio Security Insurance and asked that the cost of repairs be covered pursuant to the policy.

In response to the claim, Ohio Security Insurance assigned adjusters, consultants, and agents to the plaintiff’s file that were inadequately trained to handle this type of claim. Specifically, the claim was assigned to an adjuster who failed to perform a thorough investigation of the claim. The adjuster performed a substandard inspection of the property and did not prepare any estimates or scopes of damages for the properties and/or failed to provide those items to the plaintiff.

The adjuster failed to hire qualified experts to assess the damage and continually delayed the claims process. Ohio Security Insurance relied solely on the adjuster’s inadequate, incomplete, and unreasonable investigation to determine what amounts, if any, to pay on the claim. As a result, the plaintiff’s claim was grossly underpaid and the plaintiff has been unable to make the necessary repairs to the property. This has caused additional damage to the exterior and interior of the property.

Ohio Security Insurance Acted In Bad Faith

Our client alleges numerous violations of the Texas Insurance Code, including the failure to effectuate a prompt, fair, and equitable settlement of a claim and the failure to provide a reasonable explanation for the denial of a claim. Additionally, Ohio Security Insurance misrepresented the insurance policies under which it affords property coverage to plaintiff.

Misrepresentations of Policies

Many insurance companies purposefully misrepresent policies during claims investigations to avoid costly payouts. For policyholders who regularly pay their premiums, this isn’t just dishonest – it’s illegal. If your insurance carrier delayed, denied, or undervalued your claim, the experienced bad faith insurance lawyer at Raizner Slania can help. Contact us today to schedule a free consultation to discuss your case.

Nueces County Bad Faith Insurance Lawyers

Hotel Owners File Bad Faith Hail Damage Insurance Claim

Raizner Slania has filed bad faith hail damage insurance claims on behalf of two local hotel owners against Lexington Insurance Company and York Risk Services Group, Inc. after their hail damage claims were wrongfully denied.

March 2016 Hailstorm

On March 19, 2016, a severe wind and hail storm swept through Nueces County, Texas, causing significant damage to the roof, windows, exterior, and interior of the properties. Upon discovering the damages, the plaintiff immediately filed a commercial hail damage insurance claim with Lexington and asked that the cost of the repairs be covered pursuant to its policy.

In response to the claim, Lexington assigned adjusters, consultants, and agents to the plaintiff’s file that were inadequately and improperly trained. Specifically, Lexington assigned the claim to York Risk Services, who in turn assigned the claim to an employee.

York and the employee failed to perform a thorough investigation of the damages. After visiting the properties, the employee did not prepare any estimates or scopes of damages and/or failed to provide them to the plaintiff. In addition, the employee failed to hire any qualified experts to inspect the damage and failed to communicate with the insured throughout the claims process.

Lexington relied solely on York and its employee’s substandard investigation to determine what amounts, if any, to pay on the claim. As a result of the employee’s inadequate, incomplete, and unreasonable investigation, Lexington wrongfully denied and grossly underpaid the plaintiff’s claim.

Lexington wrongly represented the damages were not covered under the policy, when in fact they were; and, Lexington continues to deny timely payment to cover the property damage. Lexington’s refusal to pay has caused the plaintiff to suffer significant economic impact, worry, distress, and continuing economic and physical damages. The plaintiff has been unable to make the necessary repairs to the properties, causing additional damage to the interiors, roofs, and other parts of the properties.

Lexington Violated The Texas Insurance Code

The plaintiff cites numerous violations of the Texas Insurance Code, including failure to effectuate a prompt, fair, and equitable settlement of a claim, failure to pay a claim without conducting a reasonable investigation, and misrepresentation of the insurance policy under which it affords property coverage to plaintiff.

Nueces County Bad Faith Insurance Lawyers

If your insurance company wrongfully denied, delayed, or underpaid your commercial hail damage insurance claim, the experienced Nueces County bad faith insurance lawyers at Raizner Slania can help. Call us today to learn your legal options.