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.