Tag: Apartments

Harris County Insurance Lawyers

Harris County Apartment Complex Owner Files Insurance Lawsuit

Raizner Slania has filed an insurance lawsuit on behalf of a Harris County apartment complex owner against AmRisc LLC, Certain Underwriters at 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 Insurance Company, and International Insurance Company of Hannover.

January 2017 Windstorm

On January 20, 2017, a windstorm ripped through Harris County. The windstorm caused significant damage to our client’s apartment complex, including damage to building components like light fixtures, windows, drywall, flooring, and the roofing system. Immediately upon discovering the damage, the plaintiff filed an insurance claim and asked that the cost of repairs be covered pursuant to the policy.

The insurance carriers, through AmRisc, assigned adjusters, consultants, and agents to the plaintiff’s file that were inadequate and improperly trained. Specifically, the claim was delegated to AmRisc to assign the claims to Vericlaim as the third party adjusting firm to handle the claims. Vericlaim, in turn, assigned the claim to an internal adjuster. The internal adjuster was assigned as the adjuster with decision-making authority over the plaintiff’s claim under the policy. Vericlaim and the internal adjuster conducted an unreasonable and inadequate investigation of the property and wrongfully denied any windstorm damage.

Despite clear evidence to the contrary, Vericlaim and its internal adjuster claimed the damages were not storm related, and instead were a result of normal wear and tear, deferred maintenance, construction deficiencies, and other excuses. Additionally, they confirmed damages to thousands of shingles and other areas of the property, but instead of providing full indemnity, they understated the damages and admitted only spotty repairs.

The carriers engaged in and ratified this improper claims conduct and ultimately approved a gross underpayment of the contractual damages. This underpayment omitted important facts, physical evidence, and meteorological data supporting the plaintiff’s claim. The Carriers instead unreasonably blamed the loss on causes other than wind to avoid contractual responsibilities and to save themselves in excess of $1,000,000.

The Carriers Acted In Bad Faith

Our client cites numerous violations of the Texas Insurance Code, including failure to adopt and implement reasonable standards for prompt investigation of claims, refusal to pay a claim without conducting a reasonable investigation, and misrepresentation of the insurance policy under which it affords property coverage to the plaintiff.

Harris County Insurance Lawyers

If you are an apartment complex owner and your insurance claim was wrongfully denied or grossly underpaid, the Harris County insurance lawyers at Raizner Slania LLP can help. Call us today for a free consultation to review your case.

Hail Damage Insurance Lawsuits

Dallas County Apartment Owner Files Hail Damage Insurance Lawsuit

Raizner Slania has filed a hail damage insurance lawsuit on behalf of a Dallas County apartment owner against Peleus Insurance Company, Strata Claims Management, LLC, and Engle Martin & Associates, Inc. after its insurance claim was wrongfully denied.

March 2016 Hailstorm

On March 17, 2016, a wind and hailstorm swept through north Texas, causing substantial damage to the roofs, HVAC, exteriors, and interiors of the apartment complex property. Upon discovering the damage, the plaintiff filed an insurance claim with Peleus. In response to the claim, Peleus assigned adjusters, consultants, and agents to the plaintiff’s file that were inadequately and improperly trained.

Specifically, Peleus assigned the claim to both Strata and Engle Martin. In turn, both Strata and Engle Martin assigned the claim to claims representatives. Peleus, Strata, Engle Martin, and their representatives failed to perform a thorough investigation of the claim.

The representatives performed a haphazard inspection of the property and its damages and grossly undervalued what damages they did accept. Additionally, Peleus, Strata, Engle Martin, and their representatives made false representations to the plaintiff, including illegitimately claiming the damage occurred prior to the policy period and improperly ignoring facts confirming the wind and hail storm.

Strata and its representative also misrepresented the extent of damages confirmed at the property, falsely used excuses such as roof deficiencies and improper installation, and made misrepresentations about available weather data, including blatant misuse of predictive modeling supposedly being relied on to deny and delay the claim.

Strata and its representative then wrongfully claimed the roofs did not need to be replaced and instead blamed the clear damages on installation failures and the age of the roof systems. These are deceptive, unfair, and unreasonable claim actions, as Peleus and Strata’s own underwriting data confirms the good and insurable condition of the buildings.

As a result of the haphazard inspections and investigation, Peleus wrongfully denied the plaintiff’s hail damage insurance claim. Peleus failed to perform a thorough investigation of the claim and the plaintiff has been unable to make the necessary repairs, causing additional property damage.

Peleus Wrongfully Denied The Claim

Our client cites numerous violations of the Texas Insurance Code, including failure to adopt and implement reasonable standards for prompt investigation of claims, refusal to pay a claim without conducting a reasonable investigation, and misrepresentation of the insurance policy under which it affords property coverage to the plaintiff.

Hail Damage Insurance Lawsuits

If you regularly pay your insurance premiums, you deserve full policy protection. Oftentimes when apartment owners try to receive compensation from a claim, they discover their insurance company is less than honest. If your apartment complex suffered wind or hail damage and the insurance company isn’t being straight with you, contact the hail damage insurance lawyers at Raizner Slania LLP. We’ve helped hundreds of property owners get full compensation under their policies.

Harris County Hail Damage Insurance Lawyers

Local Apartment Complex Owner Files Hail Damage Insurance Lawsuit

Raizner Slania has filed a hail damage insurance lawsuit on behalf of local apartment complex owners 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, and Vericlaim, Inc.

January 2016 Harris County Wind and Hailstorm

On January 28, 2016, a severe wind and hailstorm swept through Harris County, causing substantial damage to the local apartment complexes. As a result, the exteriors, roofs, building interiors, HVAC units, and other structures of the properties were damaged. Immediately upon discovering the damages, the plaintiffs filed insurance claims under their policy with various carriers to cover the cost of repairs.

Underwriters of Lloyd’s, Indian Harbor, QBE, Steadfast, General Security Indemnity, United Specialty Insurance, Lexington, Princeton and the International Insurance Company of Hannover were the carriers on the policy. AmRisc was the program manager and it packaged a number of similar properties into the substandard insurance program at issue in the case. In response to the claim, the carriers assigned the claim to Vericlaim, who in turn assigned the claim to an internal adjuster.

Vericlaim and its internal adjuster conducted an unreasonable and inadequate investigation and denied any wind and hail damage to the roofs, windows, HVAC units, interior, and other structures of the properties. Additionally, they also grossly undervalued what damage they did accept. Specifically, the internal adjuster ignored or rejected facts, physical indicators, photos, and historical building reports confirming reasonably clear coverage for the wind and hail damage to the properties.

The internal adjuster assigned unqualified and biased consultants to the claim and failed to do his own investigation of damages to the properties. The carriers relied on Vericlaim’s incomplete and inadequate investigation to determine what amounts, if any, to pay on the claim. As a result, no payments have been issued under the policy.

The Carriers Acted In Bad Faith

Our client cites numerous violations of the Texas Insurance Code, including failure to attempt to effectuate a prompt, fair, and equitable settlement of a claim, failure to adopt reasonable standards for a claim, and failure to provide a reasonable explanation for the denial of claim.

Surplus Lines Insurers

In the Texas commercial insurance market, an increasing number of policies come from surplus lines insurers. Surplus lines insurers are typically really just a front – file drawer entity – and most or all of the true insurance risk is ceded to unauthorized foreign reinsurers that are neither licensed in the state nor legally authorized to conduct the business of insurance in the state. With very few regulations and very little oversight, these surplus lines insurers operate in a gray area of the market and often use bad faith insurance tactics to avoid costly payouts.

Harris County Hail Damage Insurance Lawyers

Raizner Slania is experienced in fighting insurance companies and surplus lines insurers who operate in bad faith. We handle all commercial hail damage insurance litigation on a contingency fee basis, so you owe us nothing unless we help you recover financial damages. If your commercial hail damage insurance claim has been denied, delayed, or underpaid, contact us today to schedule a free consultation.

Apartment Insurance Claim Lawyers

Raizner Slania Files Bad Faith Insurance Lawsuit On Behalf of Harris County Apartment Complex

Raizner Slania filed a bad faith insurance lawsuit in Harris County against Ted W. Allen & Associates, Inc. on behalf of the owners of a local apartment complex whose insurance claim was wrongfully denied under the Texas Insurance Code.

December 2016 Fire

On December 10, 2016, a catastrophic fire broke out on the plaintiff’s property. As a result, the exterior, interior, roof, ceiling, and other structures of the property were damaged. Soon after the fire, the plaintiff filed a claim under its commercial insurance policy to cover the cost of repairing the property damage.

In response to the claim, the insurance company denied large portions of damages for which the coverage should have been secured. Instead of the coverage being extended as requested, the insurance carrier applied stringent limits concerning the covered damages to the property, including lost rents.

Allen & Associates was the agency that sold the policy to the plaintiff. The agency failed to secure the requested building coverage requested by the plaintiff, and failed to remove references to the per-building limits despite clear requests from the plaintiff. Because of Allen & Associates’ failures and misrepresentation, the plaintiff suffered significant financial harm and damage.

Violations of the Texas Insurance Code

Allen & Associates violated numerous sections of the Texas Insurance Code, including misrepresentation of an insurance policy under which it affords property coverage to the policyholder and knowingly committing foregoing acts, with actual knowledge of the falsity, unfairness, or deception of the foregoing acts and practices.

In addition to violating the Texas Insurance Code, Allen & Associates violated the Texas Deceptive Trade Practices-Consumer Protection Act, which provides additional protections to consumers who are victims of deceptive, improper, or illegal practices.

Apartment Insurance Claim Lawyers

Policyholders deserve to receive their rightful payments under their insurance policies. However, when one or more party misrepresents the terms of a policy, policyholders can be left high and dry. The experienced apartment insurance claims lawyers at Raizner Slania have helped property owners across Houston and throughout Texas get their rightful payments from agencies and insurance companies operating in bad faith. If your insurance company wrongfully delayed or denied your claim, contact us today for a free consultation to see how we can help.

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.