Tag: Hotel Claims

Nueces County Wind Damage Lawyers

Raizner Slania Files Insurance Lawsuit On Behalf of Local Hotel Owner

Raizner Slania has filed a bad faith insurance lawsuit on behalf of a local hotel owner 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 PLC, and Vericlaim, Inc.

March 2016 Windstorm

On March 25, 2016, a windstorm swept through Nueces County causing substantial damage to the exterior, windows, and interior of the property. Upon discovering the damage, the plaintiff filed an insurance claim under the policy with the carriers. The plaintiff asked that the cost of repairs be covered pursuant to the policy. The claim was assigned to AmRisc, which in turn assigned the claim to Vericlaim as a third party adjusting firm.

Vericlaim assigned the claim to an internal adjuster who was given decision-making authority over the claim. Verclaim and its internal adjuster conducted an unreasonable and inadequate investigation and denied any wind and water damage to the windows, exterior, or interior of the property.

The internal adjuster ignored or rejected facts, physical indicators, photos, and historical building reports confirming reasonably clear coverage for the windstorm and water damage to the property. Additionally, the internal adjuster assigned unqualified and biased consultants to the claim and failed to do his own investigation of the damages.

The carriers relied on Vericlaim and its internal adjuster’s incomplete investigation to make coverage decisions under the policy and determine what amounts, if any, to pay on the claim. The plaintiff was forced to hire its own representative and demand re-inspections and re-evaluations of the obvious damages to the property that the carriers ignored.

Violations of the Texas Insurance Code

Our clients cites numerous violations of the Texas Insurance Code, including failure to effectuate a prompt, fair, and equitable settlement of a claim and refusing to pay a claim without conducting a reasonable investigation. Our client also alleges the carriers violated the Deceptive Trade Practices-Consumer Protection Act (DTPA).

Nueces County Wind Damage Lawyers

If you pay your premium, you deserve coverage under your insurance policy. Many insurance companies are less than honest when paying out claims, but property owners can make sure they get their full coverage by calling the Nueces County wind damage lawyers at Raizner Slania LLP. Contact us today for a free consultation to discuss your case.

commercial wind damage

Hotel Owner Files Commercial Wind Damage Lawsuit

Our client, a local hotel owner, was forced to file a lawsuit against Underwriters at Lloyd’s London and Engle Martin & Associates after its commercial wind damage insurance claim was wrongfully denied under Texas law.

March 2016 Windstorm

On March 25th and 26th, 2016, a windstorm swept through Harris County, causing substantial damage to the roof, windows, exteriors, and interiors of the plaintiff’s property. After the storm, the plaintiff immediately filed an insurance claim to cover the damages to the property. In response to the claim, Lloyd’s assigned representatives, adjusters, consultants, and agents to the plaintiff’s claim that were inadequately and improperly trained. Specifically, Lloyd’s assigned the claim to Engle Martin, who in turn assigned it to an employee who was not equipped to handle this type of claim.

The employee failed to complete an adequate inspection and refused to acknowledge all the damages to the property. The employee also failed to prepare an estimate or scope of damages to the property and/or failed to provide the estimate to the plaintiff. To assess the damage, the employee retained consultants from a preferred vendor list who are not registered with the Texas Department of Insurance, and then utilized the preferred vendor’s report to make recommendations to Lloyd’s on what portions of the claim to deny under the Policy.

The plaintiff never received a formal denial letter from Lloyd’s or the Engle Martin employee. However, as a result of the employee’s haphazard inspection, misrepresentations, and inadequate investigation, Lloyd’s denied the plaintiff’s claim for wind damages by sending an engineering report stating there was no damage.

Lloyd’s 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: Windstorm Damage Attorneys

If your insurance carrier wrongfully denied a Texas windstorm damage claim, you need an experienced team of insurance lawyers to help you get the compensation you deserve. Call the experienced windstorm 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.