Tag: Wind

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.

dallas county

Dallas County Wind and Hail Damage Lawsuit

Our client, a local hotel owner, was forced to file a lawsuit against the International Insurance Company of Hannover SE (Hannover) and Vericlaim, Inc. after its commercial property insurance claim was wrongfully denied.

May 2015 Wind and Hail Storm

On May 28, 2015, a wind and hail storm swept through Dallas County and caused significant damages to the plaintiff’s property, including damage to the roof, HVAC, exterior, interior, and more. Upon discovering the damage, the plaintiff filed an insurance claim under the policy with Hannover for damaged caused by the storm.

Hannover assigned adjusters, consultants, and agents to the plaintiff’s file that were inadequately and improperly trained. Specifically, the insurer assigned the claim to Vericlaim, who in turn hired an adjuster to oversee the file. The adjuster was unqualified, and during an inspection of the property the adjuster overlooked obvious damage. After the haphazard inspection, the adjuster failed to prepare any estimates. Because of the adjuster’s inadequate inspection, the plaintiff was forced to hire its own consultant to evaluate the damages and point out obvious damages the adjuster ignored.

As a result of the adjuster’s inadequate, incomplete, and unreasonable investigation, the commercial property damage insurance claim was denied. Hannover’s refusal to pay for damages covered under the policy has caused a significant negative economic impact on our client’s business, worry, distress, and continuing economic and physical damage to the property.

The Insurance Carrier Violated the Texas Insurance Code

Our client cites violations of the Texas Insurance Code, including a failure to effectuate a prompt, fair, and equitable settlement of a claim, failure to provide a reasonable explanation for the denial of a claim, and refusal to pay a claim without a reasonable investigation, among others. Our client alleges that the insurance carrier acted in bad faith and violated the Texas Deceptive Trade Practices-Consumer Protection Act.

Raizner Slania: 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.