Tag: Hail

Harris County Hail Damage Insurance Lawyers

Local Apartment Complex Owner Files Hail Damage Insurance Lawsuit

Raizner Slania has filed a hail damage insurance lawsuit on behalf of local apartment complex owners against AmRisc, LLC, Certain Underwriters of Lloyd’s, London, Indian Harbor Insurance Company, QBE Specialty Insurance Company, Steadfast Insurance Company, General Security Indemnity Company of Arizona, United Specialty Insurance Company, Lexington Insurance Company, Princeton Excess and Surplus Lines Company, International Insurance Company of Hannover, and Vericlaim, Inc.

January 2016 Harris County Wind and Hailstorm

On January 28, 2016, a severe wind and hailstorm swept through Harris County, causing substantial damage to the local apartment complexes. As a result, the exteriors, roofs, building interiors, HVAC units, and other structures of the properties were damaged. Immediately upon discovering the damages, the plaintiffs filed insurance claims under their policy with various carriers to cover the cost of repairs.

Underwriters of Lloyd’s, Indian Harbor, QBE, Steadfast, General Security Indemnity, United Specialty Insurance, Lexington, Princeton and the International Insurance Company of Hannover were the carriers on the policy. AmRisc was the program manager and it packaged a number of similar properties into the substandard insurance program at issue in the case. In response to the claim, the carriers assigned the claim to Vericlaim, who in turn assigned the claim to an internal adjuster.

Vericlaim and its internal adjuster conducted an unreasonable and inadequate investigation and denied any wind and hail damage to the roofs, windows, HVAC units, interior, and other structures of the properties. Additionally, they also grossly undervalued what damage they did accept. Specifically, the internal adjuster ignored or rejected facts, physical indicators, photos, and historical building reports confirming reasonably clear coverage for the wind and hail damage to the properties.

The internal adjuster assigned unqualified and biased consultants to the claim and failed to do his own investigation of damages to the properties. The carriers relied on Vericlaim’s incomplete and inadequate investigation to determine what amounts, if any, to pay on the claim. As a result, no payments have been issued under the policy.

The Carriers Acted In Bad Faith

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

Surplus Lines Insurers

In the Texas commercial insurance market, an increasing number of policies come from surplus lines insurers. Surplus lines insurers are typically really just a front – file drawer entity – and most or all of the true insurance risk is ceded to unauthorized foreign reinsurers that are neither licensed in the state nor legally authorized to conduct the business of insurance in the state. With very few regulations and very little oversight, these surplus lines insurers operate in a gray area of the market and often use bad faith insurance tactics to avoid costly payouts.

Harris County Hail Damage Insurance Lawyers

Raizner Slania is experienced in fighting insurance companies and surplus lines insurers who operate in bad faith. We handle all commercial hail damage insurance litigation on a contingency fee basis, so you owe us nothing unless we help you recover financial damages. If your commercial hail damage insurance claim has been denied, delayed, or underpaid, contact us today to schedule a free consultation.

Oklahoma Bad Faith Insurance Lawyers

Oklahoma Industrial Building Owner Files Bad Faith Insurance Lawsuit

Raizner Slania has filed a bad faith insurance lawsuit on behalf of an industrial building owner against Acadia Insurance and Union Standard Insurance Group after its wind and hail insurance claim was wrongfully denied.

April 2016 Wind and Hailstorm

On April 19, 2016, a severe wind and hailstorm swept through Durant, Oklahoma. The wind and hailstorm caused severe damage to the roof, HVAC, exteriors, and interiors of the property. Immediately upon discovering the damage, the plaintiff filed an insurance claim for the cost of repairs.

In response to the claim, Acadia assigned representatives, adjusters, consultants, and agents to plaintiff’s file that were inadequate and improperly trained. Specifically, Union Standard and an employee out of Dallas, Texas mishandled the plaintiff’s claim. The employee conducted an unreasonable investigation of the cause and extent of damages, was improperly trained, and was not equipped to handle this type of claim.

In May 2016, an adjuster visited the property but failed to complete an adequate inspection and refused to acknowledge all the damages to the property. The employee did not prepare any estimates or scopes of damages, so the plaintiff was forced to prepare its own estimate of damages and point the issues out to the employee.

However, the employee ignored the facts supporting coverage, failed to give the plaintiff’s presentation proper consideration, and denied the true extent of damages covered by the policy. Instead, the employee retained consultants from a preferred vendor and was unnecessarily hostile to the insured in claim communications and investigation methods. The employee then utilized the preferred vendor’s report to make recommendations to Acadia on what portions of the claim to deny under the policy.

Acadia and Union Standard Operated In Bad Faith

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.

Oklahoma Bad Faith Insurance Lawyers

If your insurance company wrongfully denied, delayed, or underpaid your commercial insurance claim, the experienced Oklahoma bad faith insurance lawyers at Raizner Slania can help. Contact us today to schedule a free consultation to discuss your case.

Bad Faith Insurance Lawsuit Attorneys

Homeowners Association Files Bad Faith Insurance Lawsuit

Raizner Slania filed a lawsuit on behalf of a local homeowners association against Mid-Century Insurance Company after its hail damage claim was wrongfully denied.

April 2016 Bexar County Hailstorm

On April 12, 2016, a severe hailstorm swept through Bexar County causing significant damage to the roofs, interiors, and exteriors of condominiums contained in over 50 separate buildings managed by the policyholder homeowners association . Immediately upon discovering the damage, the homeowners association filed a hail damage insurance claim with Mid-Century to cover the cost of the repairs and other damages.

In response to the claim, Mid-Century assigned adjusters, consultants, and agents to the plaintiff’s file that were inadequate and improperly trained. Specifically, the claim was assigned to two adjusters, both of whom were not properly trained to handle this type of claim and failed to perform an adequate evaluation of the damage.

After a haphazard investigation of the property, the adjuster prepared an estimate of damages to the structure that grossly undervalued and ignored obvious damages to the property. Mid-Century relied solely on the adjusters’ investigation to determine what amounts, if any, to pay on the plaintiff’s claim. Mid-Century and the adjusters represented to the plaintiff that certain damages were not covered under the policy when in fact they were.

Mid-Century denied and grossly underpaid the plaintiff’s claim. In addition, Mid-Century continued to deny and delay timely payment of the damages it did accept. This caused the plaintiff to suffer significant economic impact, worry, distress, and continuing economic and physical damage.

Mid-Century Operated In Bad Faith

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 investigation of a claim, and violations of the Deceptive Trade Practices-Consumer Protection Act (DTPA).

Bad Faith Insurance Lawsuit Attorneys

Unfortunately for Texas policyholders, bad faith insurance practices are rampant. For policyholders whose claims have been wrongfully denied by their insurance company, the only way to seek full compensation is with the help of an experienced bad faith insurance lawsuit attorney. At Raizner Slania, our attorneys can help you get what you rightfully deserve under your policy. Contact us today to schedule a free consultation to discuss your case.

Apartment Complex Hail Damage

Harris County Apartment Complex Owner Files Hail Damage Lawsuit

Raizner Slania filed a lawsuit on behalf of a local apartment complex owner against Westchester Surplus Lines Insurance Company and Engle Martin and Associates after its commercial hail damage insurance claim was wrongfully denied under Texas law.

May 2014 Harris County Hail Storm

On May 28, 2014, a hail storm swept through Harris county, causing substantial damage to the exteriors, interiors, roof, HVAC, and other structures on the plaintiff’s property. Immediately upon discovering the damage, the plaintiff filed an insurance claim for the damage caused by the storm.

April 2015 Windstorm

A second wind and hail storm struck the plaintiff’s property on April 19, 2015, causing further damage. Again, the plaintiff immediately filed an insurance claim asking the damages be covered pursuant to its policy. In response to the claims, Westchester hired adjusters, consultants, and agents that were inadequate and improperly trained. Specifically, Westchester assigned the claim to Engle Martin and Associates as the third party adjusting firm to handle the claim, which in turn assigned the claim to its internal adjuster.

The internal adjuster conducted an unreasonable and inadequate investigation and denied the existence of any wind and hail damage to the roofs, windows, HVAC, interior, and structures. The internal adjuster refused to accept damages from the May 2014 hail storm, and what damages the internal adjuster did accept were grossly undervalued.

Engle Martin and its internal adjuster refused to engage competent consultants to evaluate the damage and chose to ignore submissions from forensic weather consultants confirming the covered wind and hailstorms in question at the subject location.

As a result of the haphazard investigation, Westchester wrongfully denied and delayed payments for property repairs. Westchester grossly underestimated the damages to the property and incorrectly claimed the damages fall under the policy deductible.

The Insurance Carrier 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: Apartment Complex Hail Damage Claim Attorneys

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

Damage Claim

Raizner Slania Files Commercial Hail Damage Lawsuit On Behalf of Nonprofit

Our client, a veteran’s group and non-profit organization, was forced to file a lawsuit against Covington Insurance Company and Engle Martin & Associates after its commercial property damage insurance claim was wrongfully denied.

April 2016 Wind and Hail Storm

On April 26, 2016, a severe wind and hail storm struck Tarrant County, causing damage to the roof, exterior, and interior of the plaintiff’s property. Immediately upon discovering the damage, the plaintiff filed an insurance claim with Covington for the damages caused by the storm. In response to the claim, Covington assigned adjusters, consultants, and agents to the plaintiff’s file that were inadequately and improperly trained to assess this type of damage. Specifically, Covington assigned the claim to Engle Martin, who in turn, assigned the claim to an employee.

The Engle Martin employee inspected the property on May 4, 2016, but he performed a substandard inspection. Engle Martin and Covington failed to hire qualified experts to properly inspect the damage and did not prepare any estimates or scope of damages for the plaintiff.

Engle Martin and Covington performed an inadequate, incomplete, and unreasonable investigation of the claim, and Covington relied exclusively on this inadequate investigation to determine what amounts should be paid. As a result, our client’s claim was grossly underpaid.

Because of Covington’s delays, denials, and underpayment, the plaintiff remains unable to make the necessary repairs to its property, which has resulted in further interior and roof damage. The plaintiff suffered significant economic impact, worry, distress, and continuing economic and physical damage.

Covington Operated In Bad Faith

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 investigation of a claim, and refusal to pay a claim without conducting a reasonable investigation.

Texas Wind and Hail Damage Attorneys

If your insurance carrier wrongfully denied or grossly underpaid your Texas wind and hail damage insurance claim, the experienced attorneys at Raizner Slania can help. Our consultations are free and you won’t owe us anything unless we help you recover compensation. Call us today to schedule your consultation.

hail damage insurance claim

Raizner Slania Files Tarrant County Hail Damage Lawsuit

Our client, a local industrial commercial property owner, was forced to file a lawsuit against Nationwide Agribusiness Insurance Company (Nationwide) after its hail damage insurance claim was wrongfully denied under Texas law.

March 2016 Hailstorm in Tarrant County

On March 17, 2016, the plaintiff’s property, a food distributorship building, was substantially damaged by a hailstorm that swept through Tarrant County. As a result, the roof, exteriors, interiors, business and personal property, and other machinery and equipment on the property sustained damage. Immediately after the storm, the plaintiff filed a hail damage commercial property insurance claim with Nationwide.

In response to the claim, Nationwide assigned representatives, adjusters, consultants, and agents to the plaintiff’s files that were inadequately and improperly trained. Specifically, Nationwide assigned the claim to a local adjuster who was not equipped to handle this type of claim.

The local adjuster performed a haphazard inspection of the property and refused to acknowledge all of the damages despite the fact that the plaintiff pointed them out. The local adjuster also refused to retain appropriate consultants to assess the claim.

Nationwide and the local adjuster performed an incomplete and unreasonable investigation of plaintiff’s claim, which is evidenced by the undervalued estimate of damages for the necessary repairs for the property. Nationwide relied solely on the local adjuster’s substandard investigation when determining what amounts, if any, to pay out on the plaintiff’s claim. As a result of the haphazard inspection, misrepresentation, and inadequate investigation, the plaintiff’s claim was grossly underpaid.

Nationwide Violated Texas Law

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

Raizner Slania: Texas Hail Damage Attorney

If your insurance carrier denied, delayed, underpaid, or disputed a Texas hail damage claim, you need an experienced team of property insurance lawyers to help you get the compensation you deserve. The bad faith insurance lawyers at Raizner Slania have helped scores of companies across Texas and around the country get the compensation they deserve under their policies. Call us today for a free consultation.