Tag: storm

Houston Hailstorm

Houston Hailstorm 2016

The first severe weather watch of 2016 was issued on Friday, January 8 for parts of Texas and Louisiana. Numerous severe thunderstorms produced large hail in southeastern Texas late Friday afternoon and into Friday night. Strong storms blew through Houston, bringing with them unexpected hail. Much of the hail was unusually large, some as large as tennis balls, and property damage has been reported across the city and in surrounding areas. Local news outlets shared photos and videos of the hail sent in by viewers across the greater Houston area, and as far away as League City and Huntsville. Harris County and several other Texas counties remained under a thunderstorm watch until late that night.

A few of the hailstorms reached southwestern and central Louisiana with hail up to the size of Ping-Pong balls late Friday evening. Strong thunderstorm winds downed trees in the Bossier and Bienville parishes of northern Louisiana.

All insurance claims are subject to crucial filing deadlines and critical steps you must take early in the claims process to protect your legal rights and ensure your claim has the best chance of receiving the greatest amount of money.

Raizner Slania, Houston Hailstorm Lawyers

Hailstorms have destroyed property across America. Were you a victim of the recent Houston hailstorm? If so, let us fight aggressively on your behalf to get you all the money you deserve.

Insurance companies know many of their customers lack the knowledge and experience to fight back when their property damage claims are denied. Many of our lawyers have represented insurance companies in the past, and this experience gives us valuable insight into how your insurer conducts its business. Insurance litigation is what Raizner Slania does. We have helped homeowners and business owners across the country when their property has been destroyed or severely damaged by events completely beyond their control.

If an insurance carrier acts in bad faith, we will help you take legal action. If your property damage claims have been delayed, underpaid, or denied, contact Raizner Slania, Houston hailstorm insurance lawyers, today. We are litigation professionals who know the insurance business and how to protect your rights.

GuideOne

Mount Pleasant Business Insurance Claim Denial Lawsuit

Our client, a Mt. Pleasant hotel owner and operator, has filed an insurance claim denial suit against GuideOne National Insurance Claims and Certain Underwriters at Lloyd’s London, in The United States District Court for the Eastern District of Texas, Texarkana Division. The lawsuit stems from claims the local business filed against its insurance companies for damages sustained in a hail storm, which were not properly paid according to Texas law.

A March 28, 2014 hail storm caused serious damage to the commercial property, including the roof, windows, exterior, interior, ceilings, furnishings, and more. A subsequent October 12, 2014 windstorm further damaged the property. Immediately following each weather event, our client filed its claims pursuant to its GuideOne insurance policy and its Underwriters policy.

GuideOne, a foreign company, assigned James Stafford to handle its insurance adjustment. Underwriters, a foreign company, assigned Adam Brenner to handle its insurance adjustment. The insured contends that no competent consultants or adjusters were assigned to objectively evaluate the damage. The only adjusters assigned to evaluate the insurance claims prepared damages estimates and the insurers agreed to cover the losses. This assertion, however, later turned out to be a misrepresentation.

The complaint alleges that GuideOne, Underwriters, and the individual adjusters wrongfully denied and underpaid our client’s’ claims for building repairs under the policy and that the adjusters wrongly misrepresented that some damages and losses were not covered under the policies when they were. The adjusters and insurers delayed the claims process and the insurance providers refused to issue further payments under the policy, which our client claims has caused them serious financial harm.

Insurance Claim Denial Lawyers Seek Damages For Bad Faith

Our local business owner client cites numerous violations of the Texas Insurance Code, mostly involving the failure to act in a timely manner to initiate an investigation and to reasonably settlement their claims. The allegations also include that the other parties acted in bad faith by misrepresenting the insurance policy and by making misleading statements about several aspects of the claim. They also allege breach of contract, breach of duty of bad faith and fair dealing, as well as the Deceptive Trade Practices-Consumer Protection Act (DTPA).

hailstorms

Las Cruces New Mexico Hail Storm Damage Claims

Recently, a very intense major storm hit Las Cruces, New Mexico and left behind a swath of damage over the course of a few hours. Most of the New Mexico Hail Storm Damage was caused by hail, which some witnesses described as being about one inch in diameter, but the storm also featured a significant number of lightning strikes, as well as heavy rains and strong winds. Although the National Weather Service also issued a tornado warning, there were no tornadoes, so people were thankful for that.

The storm left behind a significant amount of damage throughout the Las Cruces area. It is estimated that the storm damage led to thousands of claims for all kinds of building and other property damage. And because it’s been an expensive year for insurance companies, it is very likely they will be more difficult than usual to deal with when it comes to paying storm damage claims.

Because of this, while it is always a good idea to file a claim and document damage as soon as possible, it is especially important in the wake of a devastating natural disaster like the Las Cruces storms on October 5. It’s also important, when filing a claim for storm damage, to include as much detail as possible, including photos and videos of any storm damage, so as to make a claims adjuster’s job a little easier, and to make it more difficult for an adjuster to deny a legitimate claim. The adjuster will likely show up within a few days or weeks after you make the claim, but sometimes it will take a lot longer, especially after a huge, damaging storm.

When the adjuster gets to the site of the storm damage, they will examine the property, assess the extent of the damage and the total value of the building, as well as calculate the cost of needed repairs and file a report with the insurance company. One thing everyone should remember, however, is that the adjuster works for and represents the insurance company’s interests, which will always be to minimize their payout.

The amount of time it takes your insurance company to offer to settle your claim can vary greatly, but if your loss was caused by a natural disaster like the Las Cruces storms, it is unfortunately common for claim payments to be delayed. However, when they do offer a settlement, if you question the relative fairness of either the settlement or the adjuster’s report, you always have the option of accepting an undisputed payment from the insurance company, and then subsequently pursuing the full and correct amounts.

New Mexico Hail Storm Damage Lawyers

Due to the sheer volume of claims insurance companies will likely be handling from the Las Cruces storm, many of them will likely tend to underpay or deny a legitimate claim and they will try to put off payment as long as possible, which can be extremely hazardous to your business and its bottom line. Whenever an insurance company delays payment or denies a legitimate claim, the person who filed that claim has every right to file a lawsuit against that carrier. Anytime you’re dealing with an insurance company on a property damage claim, you should always have an attorney, like the experienced insurance attorneys at Raizner Slania, because they know how to evaluate a case and get the insurance to honor their contract and pay you for your legitimate claim.