Tag: Motel Claims

Hurricane Harvey Insurance Lawsuit Claims

Victoria Motel Owner Files Hurricane Harvey Insurance Lawsuit

Raizner Slania LLP has filed a Hurricane Harvey insurance lawsuit against Rockhill Insurance Company on behalf of a Victoria motel owner after its insurance claim was wrongfully denied under Texas law.

Hurricane Harvey Devastates Texas

On August 25, 2017, Hurricane Harvey, recognized as one of the most devastating natural disasters in United States history, made landfall on the Texas coast near the property as a Category 4 hurricane with wind speeds of up to 150 miles per hour. Because of Hurricane Harvey’s extreme wind speed when it hit Victoria County where the motel is located, the property suffered catastrophic damage. Sizable portions of the property’s roof were compromised, and as a result, there was interior damage to the HVAC system, drywall, and flooring.

Immediately after the storm, the plaintiff promptly notified its agent and filed a claim with Rockhill, alerting them to the extensive damages. The plaintiff hired a consultant to assist with the task of determining the extent of the property damage. The plaintiff promptly cooperated with Rockhill’s requests for inspections and additional, extensive requests for documentation related to the business’ income loss as a result of Harvey.

In response to the claim, Rockhill appointed an internal adjuster in Florida to handle the file. This adjuster was inadequately trained and refused to perform a competent investigation. Rockhill’s internal adjuster coordinated on the claim with a known insurer-friendly consulting group who did not inspect the property until late October. The consulting group determined the damage was related to Harvey’s extreme winds, but despite this, Rockhill continued to delay resolution of the claim and instead looked for issues with the wear and tear of the property to avoid paying out.

Rockhill issued several undisputed payments, but these amounts nowhere near cover the damages caused by Harvey. To this day, Rockhill has continued to decline payment for damages covered under the policy.

Rockhill Operated In Bad Faith

Rockhill failed to attempt to effectuate a prompt, fair, and equitable settlement of a claim, which is a violation of the Texas Insurance Code. Additionally, Rockhill misrepresented the insurance policy under which it affords property coverage to the plaintiff, by making an untrue statement of material fact.

Hurricane Harvey Insurance Lawsuit Claims

If you are still struggling with your insurance company over your commercial property insurance claim after Hurricane Harvey, Raizner Slania LLP can help. We are a local law firm taking on large insurance companies and getting policyholders what they deserve under their policies. Contact us today for a free consultation to discuss your case.

Houston Motel Insurance Lawyers

Houston Motel Owner Files Hail Insurance Denial Claim

Raizner Slania has filed an insurance lawsuit on behalf of a local motel owner against Certain Underwriters at Lloyd’s, London after its hail damage claim was wrongfully denied under the Texas Insurance Code.

May 2016 Hailstorm

On May 13, 2016, a hailstorm swept through areas of Houston and caused significant damage to the roof, HVAC, exteriors, and interiors of the property. Immediately upon discovering the damages, the plaintiff filed an insurance claim and asked the cost of repairs be covered pursuant to the policy.

In response to the claim, Lloyd’s assigned representatives, adjusters, consultants, and agents to the plaintiff’s file that were inadequate and improperly trained. Specifically, Lloyd’s assigned the plaintiff’s claim to an internal representative, as the local claims representative charged with assessing damages under the policy. The internal representative was improperly trained and not equipped to handle this type of claim.

The internal representative failed to perform a thorough investigation of the claim and performed a substandard inspection of the property. The internal representative failed to provide an estimate or scope of damages to the plaintiff and refused to retain the appropriate consultants to evaluate the claim. In addition, the internal representative delayed the claims process and failed to communicate with the insured.

Lloyd’s relied solely on the representative’s substandard investigation to determine what amounts, if any, to pay on the claim. As a result of the representative’s haphazard inspection, misrepresentations, and inadequate investigation, Lloyd’s ultimately denied the plaintiff’s claim.

Lloyd’s Violated The Texas Insurance Code

Lloyd’s committed several violations of the Texas Insurance Code, including the failure to effectuate a prompt, fair, and equitable settlement of a claim, failure to adopt and implement reasonable standards for the investigation of a claim, and refusal to pay a claim without conducting a reasonable investigation.

Houston Motel Insurance Lawyers

The Houston motel insurance lawyers at Raizner Slania LLP are experienced attorneys who have taken on and won large insurance cases against some of the largest insurance companies in the world. If your insurance claim was wrongfully denied, delayed, or underpaid, call us today for a free consultation. We can analyze your situation and help you get the most from your policy.