Tag: Commercial Buildings

Hail Damage Insurance Lawsuit

Raizner Law Files Bad Faith Hail Damage Insurance Lawsuit On Behalf of Commercial Property Owner

Raizner Law has filed a bad faith insurance lawsuit on behalf of a Laredo, Texas commercial building owner against United Fire & Casualty Company after its hail damage insurance claim was wrongfully denied under Texas law.

May 2017 Hailstorm

The plaintiff owns and operates three commercial properties in Webb County, Texas. On May 21, 2017, a wind and hail storm ripped through Laredo and Webb County, causing significant damage to the plaintiff’s buildings. As a result of the hail and windstorm, the properties were substantially damaged. Sizeable portions of the properties’ roofs were compromised by hail and wind. As a result of the roof damages, the properties also sustained interior damages.

Immediately upon discovering the damages, the plaintiff filed an insurance claim with United Fire and asked that the cost of repairs be covered pursuant to its policies. United Fire’s claims-handling process resulted in a wrongful denial that omitted a wealth of facts, physical evidence, obvious hail and wind damages, and meteorological data supporting the plaintiff’s claims. United Fire unreasonably pinned the loss on anything but the hail and wind, an action designed to save the company hundreds of thousands of dollars in damages to the properties and the businesses.

United Fire assigned two claims adjusters to adjust the claim who were unqualified and incapable of adequately assessing the damages to these types of commercial properties. These adjusters were also the source of many delays throughout the claims process. United Fire and its adjusters took months to even inspect the properties or attempt to assess the damages. United Fire continued to delay the claim resolution and did not provide the insured with answers to its repeated requests for information about its pending claims.

United Fire ultimately denied the claims on March 20, 2018, despite the fact that wind and hail damages were obvious and that liability under the policy was reasonably clear. Their conclusions, denials, and refusal to acknowledge or pay the claim were based on an outcome-oriented investigation aimed at denying the plaintiff’s claims from the outset. United Fire, its adjusters, and consultants ignored obvious catastrophic hail and wind damage to the properties and refused to consider that hail and wind were actually the source of obvious damages. The claims adjustment process was unnecessarily complicated, disorganized, and conducted behind closed doors until United Fire ultimately wrongfully refused to compensate its insured for any of the obvious covered damages under the policy.

United Fire & Casualty Company Violated Texas Law

To this day, United Fire has refused to pay for any covered damages under the policy. United Fire violated numerous sections of the Texas Insurance Code, including failure to effectuate the prompt, fair, and equitable settlement of a claim and failure to provide promptly a reasonable explanation for the denial of a claim. Our client also alleges United Fire violated the Texas Deceptive Trade Practices Act (DTPA).

Get Help With Your Hail Damage Insurance Lawsuit

If your insurance company has delayed, underpaid, or outright denied your hail damage claim, the experienced insurance lawyers at Raizner Law can help with you with your hail damage insurance lawsuit. Contact us today to schedule a free consultation to see how we can help with your hail damage insurance lawsuit.

Oklahoma Bad Faith Insurance Lawyers

Oklahoma Industrial Building Owner Files Bad Faith Insurance Lawsuit

Raizner Slania has filed a bad faith insurance lawsuit on behalf of an industrial building owner against Acadia Insurance and Union Standard Insurance Group after its wind and hail insurance claim was wrongfully denied.

April 2016 Wind and Hailstorm

On April 19, 2016, a severe wind and hailstorm swept through Durant, Oklahoma. The wind and hailstorm caused severe damage to the roof, HVAC, exteriors, and interiors of the property. Immediately upon discovering the damage, the plaintiff filed an insurance claim for the cost of repairs.

In response to the claim, Acadia assigned representatives, adjusters, consultants, and agents to plaintiff’s file that were inadequate and improperly trained. Specifically, Union Standard and an employee out of Dallas, Texas mishandled the plaintiff’s claim. The employee conducted an unreasonable investigation of the cause and extent of damages, was improperly trained, and was not equipped to handle this type of claim.

In May 2016, an adjuster visited the property but failed to complete an adequate inspection and refused to acknowledge all the damages to the property. The employee did not prepare any estimates or scopes of damages, so the plaintiff was forced to prepare its own estimate of damages and point the issues out to the employee.

However, the employee ignored the facts supporting coverage, failed to give the plaintiff’s presentation proper consideration, and denied the true extent of damages covered by the policy. Instead, the employee retained consultants from a preferred vendor and was unnecessarily hostile to the insured in claim communications and investigation methods. The employee then utilized the preferred vendor’s report to make recommendations to Acadia on what portions of the claim to deny under the policy.

Acadia and Union Standard 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 promptly provide a reasonable explanation for the denial of a claim, and failure to pay a claim without conducting a reasonable investigation.

Oklahoma Bad Faith Insurance Lawyers

If your insurance company wrongfully denied, delayed, or underpaid your commercial insurance claim, the experienced Oklahoma bad faith insurance lawyers at Raizner Slania can help. Contact us today to schedule a free consultation to discuss your case.

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.