Tag: Hailstorm

Hail Damage Insurance Denials

Dallas Property Owners Facing Bad Faith Insurance Denials

The Dallas-Fort Worth Area is no stranger to storms. The region is often at the center of large thunderstorms, including regular hailstorms. Even though this area regularly receives extreme weather, little could have prepared Dallas for the hailstorm that swept through the city last June. For many commercial property owners, delayed, underpaid, or outright denied insurance claims remain a constant reminder of the storm.

In the early morning hours of June 6, 2018, a severe thunderstorm swept through the Dallas-Fort Worth Area. The storm split right over Collin County, Texas, and the westernmost cell moved south-southwestward. The cell dropped large hail stones from southeast Denton County into northwest Dallas County and eastern Tarrant County until it finally reached Arlington, Texas. The storm was so loud that many Dallas-Fort Worth residents mistook the pounding hail for intruders or gunshots.

While some areas only saw hail the size of half an inch in diameter, hail the size of tennis balls was reported just east of Arlington. Overall, an estimated 20,000 structures were damaged in the storm. Unfortunately for property owners, insurance companies are utilizing a variety of bad faith tactics to reduce or completely deny valid claims.

Hail Damage Insurance Denials

Anytime there is a natural disaster or extreme weather event, insurance companies stand to lose a lot of money. Insurance companies are first and foremost a business, so when faced with large-scale disasters, they do anything they can to limit payouts. Some of the bad faith tactics insurance companies use to wrongfully deny valid property damage claims include:

  • Blaming the damage on inadequate maintenance
  • Wrongly claiming the amount of damage is less than the deductible
  • Misinterpreting the policy to claim the damage isn’t covered when in fact it is

What Property Owners Can Do

If you regularly pay your premium, you deserve full coverage under your policy. If your insurance company is delaying, underpaying, or outright denying your claim, Raizner Law can help. Our experienced insurance lawyers take on large insurance companies to get our clients what they are rightfully owed under their policies. If you suffered damage during the Dallas hail storm and your claim has been denied, contact us today to schedule a free consultation to discuss your case.

Hailstorm Damage Lawsuit

Arlington Hailstorm Damage Lawsuit

Our client, a local commercial building owner, was forced to file a lawsuit against Zurich American Insurance Company after its hailstorm damage claim was wrongfully denied under Texas law.

March 2016 Hailstorm

On March 17, 2016, a hailstorm swept across Arlington, Texas, substantially damaging the plaintiff’s properties. The properties suffered damage to the roof, HVAC, exterior, and interior. Immediately upon discovering the damage, the plaintiff filed a hailstorm insurance claim with Zurich. In response to the claim, Zurich assigned adjusters, consultants, and agents to the plaintiff’s file that were inadequately trained to handle this type of claim.

Specifically, Zurich assigned the claim to an independent adjuster with decision-making authority over the claim and responsibility for assessing damages to the properties under the policy. The independent adjuster failed to perform a proper and thorough investigation of the claim.

The independent adjuster failed to engage appropriate consultants and adjusters to objectively evaluate the damage and performed an outcome-oriented investigation aimed at denying the plaintiff’s claim. The adjuster utilized a vendor-preferred consultant to assess the damage, but failed to provide a scope of estimates to the plaintiff.

The plaintiff was forced to hire its own consultant to assess the damage and prepare an estimate, which included obvious damage the independent adjuster chose to ignore. Throughout the claims processes, defendants’ adjuster prolonged and delayed any claim resolution.

Zurich relied on the independent adjuster’s substandard investigation in making coverage determinations and in deciding what amounts, if any, to pay on the claim. As a result, the plaintiff’s hailstorm damage claim was grossly underpaid, and Zurich refused to issue further payments under the policy.

Zurich Violated The Texas Insurance Code

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

Raizner Slania: Hailstorm Damage Claim Attorneys

If your insurance carrier denied, delayed, underpaid, or disputed a Texas hailstorm damage claim, call the experienced insurance lawyers at Raizner Slania today. Our lawyers have been extremely successful in obtaining fair compensation for victims of bad faith insurance practices throughout Texas and across the country. Contact us today to schedule a free consultation to discuss your case.