Tag: Hail Damage

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.

Odessa Bad Faith Insurance Lawyers

Odessa Hailstorm Rocks Businesses and Property Owners

Odessa, Texas is no stranger to hailstorms, but the storm that swept through the city on June 14, 2017 was something residents and business owners were not prepared for. Winds during the storm were reported to be between 60 and 70 miles per hour while hail the size of baseballs pelted the city.

Widespread Damage

Although the storm lasted for only half an hour, the damage to the city was catastrophic. The storm swept through Ector County and parts of Midland County, causing significant damage to businesses in the path of the storm. Many buildings suffered roof damage and broken windows, including the Second Baptist Church where an entire side of the church suffered broken windows. However, hail can also cause severe damage to anything exposed like HVAC systems, equipment, and siding among other things.

In total, the damage is estimated to cost $480 million in repairs, making this the most costly storm in Odessa in decades. However, business owners can be surprised to learn that the total damages include more than just the cost of repairs. Business owners can suffer addition damage to their property while waiting for repairs. Roofs that become damaged in a hail storm can leak when it rains and businesses can be forced to close their doors until repairs are complete causing them to lose revenue. Owners of retail centers and apartment complexes can lose tenants, either temporarily or permanently, and this type of lost income can give rise to significant business interruption claims.

Many buildings like hotels, retail buildings, office buildings, and apartments were all damaged in the storm, and business owners may soon see out of state contractors and roofers descend on Odessa with offers to complete repairs. Property owners should always be wary of out state contractors who chase storms like the one that hit Odessa. These contractors often over promise and under deliver. Before hiring any contractor, public adjuster, or attorney, policyholders should ask questions and do their research. There is a lot at stake with a commercial insurance claim, so only qualified professionals should be retained to help your claim.

What Does This Means For Property Owners?

Anytime there is a natural event that causes widespread damage, business owners can face unique challenges regarding their property insurance claims. Events like last month’s Odessa hailstorm present massive losses to insurance companies, and some may respond by using bad faith tactics to limit payouts.

Insurance companies might try to claim that the hail damage is “normal wear and tear” or falsely claim some or all of the damage existed before the storm. These tactics are often unfair and unfounded, and are frequently touted by fraudulent engineers and other insurance industry professions whose goal is to help insurance companies reduce or complete deny payouts. If it doesn’t sound right, it may not be, and property owners would be wise to seek an independent, second opinion from a qualified contractor or public adjuster of their choice prior to accepting an insurance denial or reduced claim payment.

Under the Texas Insurance Code, policyholders have the right to have their insurance claims be investigated promptly and fairly. Policyholders must also be provided with a reasonable explanation if their claim is denied.

Unfortunately, recent legislation will make it more difficult for business owners to pursue these types of claims. This means property owners need to hire experienced and qualified legal counsel to successfully navigate a bad faith insurance claim. With the help of an experienced lawyer, policyholders can fight back against claims that are not properly investigated or claims that are delayed, underpaid, or wrongfully denied.

Odessa Bad Faith Insurance Lawyers

At Raizner Slania, our lawyers know the tactics insurance companies use to avoid payouts. Our Texas bad faith insurance lawyers have earned nationwide recognition for helping policyholders fight for and win their rightful claims against insurance companies operating in bad faith. Please contact us today for a free initial consultation.

Commercial Hailstorm Insurance Claim Lawyers

Raizner Slania Files Bad Faith Insurance Lawsuit On Behalf of Industrial Building Owner

Raizner Slania filed a bad faith insurance lawsuit against Landmark American Insurance Company and Vericlaim, Inc. on behalf of a Dallas County industrial building owner after its insurance claim was wrongfully denied.

March 2016 Dallas County Hailstorm

On March 23, 2016, a severe hailstorm swept through Dallas County. The storm caused significant damage to the roof, HVAC system, exterior, and interior of the commercial property. Immediately upon discovering the damage, the plaintiff filed an insurance claim with Landmark to cover the cost of repairs pursuant to the terms of its policy.

In response to the claim, Landmark assigned adjusters, consultants, and agents to the plaintiff’s file that were inadequate and improperly trained. More specifically, Landmark assigned the plaintiff’s claim to Vericlaim, which in turn assigned the claim to an employee.

The employee performed a substandard inspection of the property and did not prepare an estimate or scope of damage or failed to provide them to the plaintiff. Additionally, the employee failed to hire qualified experts to appropriately assess the damage. Although the employee was provided meteorological data supporting the claim and date of loss, he deceptively ignored the data. The employee was also given physical proof and building history establishing the legitimacy of the cause and extent of the loss, but he refused to consider this evidence.

Verclaim and Landmark relied solely on the employee’s haphazard investigation to determine what amounts, if any, to pay on the claim. Vericlaim and Landmark grossly underpaid and wrongly denied the plaintiff’s claim before even finishing a thorough investigation.

Because of Vericlaim and Landmark’s delays, denials, and underpayment, the plaintiff has been unable to make necessary repairs to the property, which has resulted in further damages, including additional interior and roof damage, among others.

Vericlaim and Landmark 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 misrepresentation of the insurance policy under which it affords property coverage to the plaintiff.

Raizner Slania: Commercial Hailstorm Insurance Claim Lawyers

If your insurance carrier wrongfully denied a Texas hailstorm damage claim, you need an experienced team of insurance lawyers to help you get the compensation you deserve. Call the experienced hailstorm damage claim attorneys at Raizner Slania today to schedule a free consultation to discuss your case. We can help you understand your legal options and pursue compensation on your behalf.

Ellis County Hailstorm

Raizner Slania Files Bad Faith Insurance Lawsuit On Behalf of Local Car Wash

Raizner Slania filed a bad faith insurance lawsuit on behalf of a local Texas car wash against Columbia Mutual Insurance Company and Texas Insurance Claims Service, Inc. after its hail damage claim was wrongfully denied under Texas law.

April 2015 Ellis County Hailstorm

In April 2015, a severe hailstorm swept through Ellis County and substantially damaged the plaintiff’s property. The hailstorm caused damage to the roof, exterior, and interior of the property. Immediately upon discovering the damage, the plaintiff filed an insurance claim with Columbia for the cost of repairs to be covered under its policy.

In response to the claim, Columbia assigned representatives, adjusters, consultants, and agents to the plaintiff’s claim that were inadequately and improperly trained to handle this type of claim. Specifically, Columbia assigned the claim to Texas Insurance Claims Services who in turn assigned it to an employee.

Both Texas Insurance and the employee failed to perform a thorough investigation of the property. The employee refused to hire any qualified experts to appropriately assess the damage. In addition, the employee delayed the claims process and failed to communicate with the plaintiff.

Columbia relied solely on Texas Insurance Claims Service and the employee’s haphazard investigation of the property to determine what amounts, if any, to pay on the plaintiff’s claim. As a result, Columbia wrongfully denied and grossly underpaid the plaintiff’s claim for property repairs.

Columbia and Texas Insurance Claims Service 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 failure to promptly provide a reasonable explanation for the denial of a claim.

Raizner Slania: Hailstorm Damage Lawyers

If your insurance carrier wrongfully denied a Texas hailstorm damage claim, you need an experienced team of insurance lawyers to help you get the compensation you deserve. Call the hailstorm damage lawyers at Raizner Slania today to schedule a free consultation to discuss your case. We can help you understand your legal options and pursue compensation on your behalf.

residential property damage

Denton and Tarrant County Hail Damage Lawsuit

Our client, a local property owner, was forced to file a lawsuit against Liberty Insurance Corporation after their hail and wind claim on two multi-million dollar residential properties was denied.

March 2016 Wind and Hail Storm

On March 23, 2016, the plaintiff’s two properties were damaged by a severe wind and hailstorm that swept through Denton and Tarrant counties. As a result, the roofs of both properties were substantially damaged. Immediately upon discovering the destruction, the plaintiff filed insurance claims with Liberty for damages caused by the storm.

In response to the claim, Liberty assigned each claim to local adjusters who were poorly trained for this type of claim. The local adjusters performed a haphazard inspection of the properties resulting in grossly undervalued damage assessments. The adjusters ignored obvious damage and refused to engage the appropriate consultants to evaluate the true scope of damage.

Liberty relied solely on the haphazard inspections of the local adjusters and represented to the plaintiff the damage was not covered under the policy, when in fact it was. Liberty has wrongfully denied one of the insurance claims, and has failed to inform the plaintiff of the decision regarding the second claim.

Liberty Violated Texas Insurance Law

Our client cites numerous violations of the Texas Insurance Code, including the failure to effectuate a fair, prompt, and equitable resolution of a claim, failure to implement reasonable standards for investigation, and failure to provide reasonable explanation for the denial of a claim, among others. Additionally, our client also cites violations of the Texas Deceptive Trade Practices-Consumer Protection Act.

Texas Wind and Hail Damage Attorneys

Although you may rely on your insurance policy to protect your property in case of a loss or disaster, your insurance carrier may not always be on your side. 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. Our attorneys have been extremely successful in obtaining fair compensation for the victims of insurance bad faith. Contact a homeowners insurance lawyer at Raizner Slania today to schedule a consultation to discuss your case.