Tag: Wind Damage

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.

Texas Wind Damage Lawyers

Harris County Windstorm Damage Lawsuit

Our client, a local multi-story hotel tower owner, was forced to file a lawsuit against Everest Indemnity Insurance Company and Engle Martin after its commercial property damage insurance claim was wrongfully denied under Texas law.

April 2016 Windstorm

On April 18, 2016, a severe windstorm swept through Harris County and caused substantial damage to the roof, exterior, and interior of the plaintiff’s property. Immediately upon discovering the damage, the plaintiff filed an insurance claim with Everest for the damages caused by the windstorm. In response to the claim, Everest assigned adjusters, consultants, and agents to the plaintiff’s file that were inadequately and improperly trained.

Specifically, Everest assigned the claim to Engle Martin, who in turn assigned the claim to an adjuster. The adjuster and Engle Martin failed to perform a thorough investigation of the claim. The adjuster performed a substandard inspection of the property and failed to prepare any estimates or scopes of damages. The employee and Engle Martin also failed to hire qualified experts to properly assess the damage.

The employee and Engle Martin performed an inadequate, incomplete, and unreasonable investigation of the plaintiff’s claim, which Everest relied exclusively on to determine what amounts, if any, to pay on the claim.

As a result of the haphazard investigation, the plaintiff’s claim was denied. Everest represented to the plaintiff that the 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 property damage because Everest and Engle Martin refused to do so.

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 investigation of a claim, and refusal to pay a claim without conducting a reasonable investigation. Additionally, our client also cites violations of the Texas Deceptive Trade Practices-Consumer Protection Act.

Raizner Slania: Texas Wind Damage Lawyers

If your insurance carrier wrongfully denied or grossly underpaid your Texas wind damage insurance claim, the experienced attorneys at Raizner Slania can help. We’ve helped policyholders across Harris County, throughout Texas, and around the country get the rightful payments they deserve under their insurance policies. Our consultations are free and you won’t owe us anything unless we help you recover compensation. Call us today to schedule your consultation.

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.

hail damage

Dallas County Wind and Hail Damage Lawsuit

Our client, a multi-family apartment owner, was forced filed a lawsuit against Peleus Insurance Company and Engle Martin & Associates after its wind and hail damage insurance claim was wrongfully denied.

March 2016 Wind and Hail Storm

On March 17, 2016, a severe wind and hailstorm swept through Dallas County and caused significant damage to the roof, exterior, and interior of plaintiff’s property. Immediately upon discovering the damage, the plaintiff filed a commercial property damage insurance claim with Peleus for damages caused by the storm. In response to the claim, Peleus assigned inadequately trained adjusters, consultants, and agents to the plaintiff’s file. Specifically, Peleus assigned the claim to Engle Martin.

Engle Martin failed to perform a thorough inspection of the property and grossly underestimated the extent and value of damages to the property. Engle Martin refused to hire any Texas-licensed and qualified engineers or other experts to properly assess the commercial property damage.

Engle Martin performed an inadequate, incomplete, and unreasonable investigation of plaintiff’s claim, evidenced by delays, lack of communication, refusal to hire to appropriate consultants, and an estimate that fails to account for the necessary repairs to the property. As a result of the haphazard investigation, Peleus wrongfully underpaid and denied large portions of plaintiff’s claims for property repairs. Peleus also underestimated the damages it did accept during the investigation.

As a result, the plaintiff was forced to hire its own consultant to independently evaluate its property damage. The plaintiff’s own expert identified substantial damage far beyond what Peleus acknowledged. To this day, Peleus refuses to pay for the necessary repairs to the property as required under its insurance policy, and as such, plaintiff has not been fully compensated since the hailstorm.

The Insurance Carrier Acted 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 has denied, delayed, underpaid, or disputed a Texas commercial property damage claim, you need an experienced team of insurance lawyers to help you get the compensation you deserve. The trial lawyers at Raizner Slania have helped scores of policyholders obtain rightful payments from insurance companies due under their policies. Contact us today for a free consultation to discuss your case.

Brazoria County Windstorm

Brazoria County Windstorm Lawsuit

Our client, a local church, was forced to file a lawsuit against Mid-Century Insurance Company after its commercial property insurance claim was wrongfully denied under Texas law.

January 2015 Windstorm

On January 22, 2015, a windstorm swept across Brazoria County and caused substantial damage to our client’s property. As a result, the roof, exteriors, and interiors of the property suffered damage. Upon finding the damage, our client immediately filed a commercial property insurance claim with Mid-Century to compensate for the damages.

In response to the claim, Mid-Century assigned representatives, adjusters, consultants, and agents to the plaintiff’s file who were inadequately and improperly trained. Specifically, Mid-Century hired a local claims representative who failed to perform a thorough investigation of the claim and refused to acknowledge all of the damages to the property in his report, despite being shown the obvious damages.

Additionally, the local claims representative retained an unlicensed adjuster who is not registered with the Texas Department of Insurance to prepare estimates. Due to the claim representative’s haphazard inspection and the local adjuster’s unlicensed estimates, the plaintiff’s commercial property insurance claim was grossly undervalued. Mid-Century continues to deny payment on the damages they it did accept, which has caused the plaintiff economic impact, worry, distress, and continuing physical damage to the property.

The Insurance Carrier Violated the Texas Insurance Code

Because Mid-Century grossly underpaid our client’s claim, our client was forced to retain an attorney to file a lawsuit for insurance benefits. 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 implement reasonable standards for the investigation of a claim, and delayed payment of a claim, among others.

Houston Windstorm Damage Attorneys

If your commercial insurance carrier has denied, delayed, or disputed your windstorm damage insurance claim, the experienced Houston windstorm damage attorneys at Raizner Slania can help. At Raizner Slania, our experienced property damage lawyers have helped clients throughout the United States whose commercial properties were damaged by violent windstorms. Our consultations are free, and you owe us nothing unless we help you obtain compensation. Contact us today to see how we can help.

Harris County Commercial Property Damage

Harris County Commercial Property Damage Lawsuit

Our client, a local commercial office buildings owner, was forced to file a lawsuit against Mesa Underwriters Specialty Insurance Company (Mesa) for grossly underestimating property damage claims caused by a wind and hailstorm and denying proper payment under the Texas Insurance Code.

April 2015 Wind and Hail Storm

On April 19, 2015, a severe wind and hail storm swept through Harris County. As a result, our client’s properties sustained extensive damage to the roof, HVAC, exteriors, and interiors of the properties. Immediately upon discovering the damages, the plaintiff filed an insurance claim.

In response to the claim, Mesa assigned representative, adjusters, consultants, and agents to the plaintiff’s files that were inadequately and improperly trained to investigate this type of damage. Specifically, Mesa assigned the claim to an internal adjuster who in turn assigned an additional adjuster to assess the damage.

Both adjusters failed to perform thorough investigations of the damages. Additionally, they failed to provide any estimate or scope of damages to the plaintiffs, and instead delayed the resolution of the claim.

As a result of haphazard inspections, misrepresentations, and inadequate investigations, Mesa wrongfully denied payment of the claim and failed to provide notice of the denial despite repeated requests.

Violations of the Texas Insurance Code

Mesa wrongfully denied our client’s commercial property insurance claim. Because of this, our client was forced to retain an attorney to prosecute its claim for insurance benefits. The insurance carrier’s denial of payment for necessary and covered repairs under the policy caused additional damages to the interior and significant economic impact.

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.

Houston Wind and Hail Damage Attorneys

If your commercial insurance carrier has denied, delayed, or disputed your wind and hail damage insurance claim, the experienced Houston litigation attorneys at Raizner Slania can help. We’ve helped scores of policyholders get the rightful compensation they deserve under their policies. Call us today for a free consultation.