Tag: Wind Damage

Hurricane Harvey wind damage insurance lawsuit

Katy, Texas Motel Owner Files Hurricane Harvey Wind Damage Insurance Lawsuit

Raizner Law has filed a Hurricane Harvey insurance lawsuit on behalf of a Katy, Texas Motel owner against Arch Specialty Insurance Company after its insurance claim was wrongfully denied.

The plaintiff owns and operates a two-story motel in Katy, Texas that houses a lobby, 200 guest rooms, and laundry facilities. On August 25, 2017, one of the most devastating storms in United States history, Hurricane Harvey, came ashore as a Category 4 hurricane. Hurricane Harvey had wind speeds up to 150 miles per hour. As a result of these extreme winds, Harvey caused significant damage to the plaintiff’s motel. Sizable portions of the property’s roof were compromised by wind, which caused further damage to the interiors, including the windows, drywall, insulation, and flooring.

Immediately upon discovering the damage, the plaintiff filed an insurance claim with Arch and asked that the cost of repairs be covered pursuant to the policy. Arch utilized a preferred vendor to inspect the property on September 7, 2017. Arch denied the claim on December 10, 2017. According to the preferred the vendor for Arch, the claim was denied on the basis that “the roof system and building envelope did not sustain wind damage, which would have allowed water to enter. Further, the water entry is a direct result of water entering in the building through already present deficiencies in the roof and envelope systems.” To date, Arch has refused to pay for the property damage. As a result of Arch’s unreasonable denial, the plaintiff has suffered extreme economic hardship.

Violations of 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 pay a claim without conducting a reasonable investigation, and misrepresentation of the policy under which it affords coverage to the plaintiff.

Get Help With Your Hurricane Harvey Wind Damage Insurance Lawsuit

Even a year after Harvey’s landfall, many business owners are still struggling to put their lives back together. If your insurance company has delayed, underpaid, or outright denied your Hurricane Harvey wind damage claim, Raizner Law can help. We are experienced insurance lawyers who are already helping hundreds of policyholders with their Hurricane Harvey wind damage insurance lawsuits. Call us today to schedule a free appointment with one of our lawyers to discuss your Hurricane Harvey wind damage insurance lawsuit.

Hurricane Harvey Insurance Lawyers

Victoria, Texas Hotel Owner Files Hurricane Harvey Insurance Lawsuit

Raizner Law has filed a Hurricane Harvey Insurance Lawsuit on behalf of a Victoria, Texas hotel owner against Palomar Specialty Insurance Company after its insurance claim was wrongfully denied under Texas Law.

Hurricane Harvey Causes Catastrophic Damage

On August 25, 2017, Hurricane Harvey made landfall in Texas and caused widespread damage. Our client’s Texas hotel is a two-story structure that contains a main lobby, offices, a restaurant, conference rooms, and 126 hotel rooms. When Hurricane Harvey swept through Victoria, Texas, the storm caused significant damage to the property. Sizeable portions of the property’s roof were compromised by wind. As a result, there was also interior damage to HVAC, ceiling, insulation, flooring, and drywall. Immediately upon discovering the damages, the plaintiff filed an insurance claim with Palomar.

Palomar’s claims-handling process resulted in a wrongful denial that omitted a wealth of facts, physical evidence, obvious wind damage, and meteorological data from Hurricane Harvey supporting the plaintiff’s claim. Palomar unreasonably pinned the loss on anything but the wind, an action designed to save Palomar hundreds of thousands of dollars in damages to the property and the business.

Palomar assigned an internal adjuster to handle the claim who was located in Indiana. The internal adjuster was unqualified, incapable of adequately assessing the damages to the property, and was the source of many delays throughout the claims process. After utilizing a preferred vendor to inspect the property in December, four months after Harvey hit, Palomar and the internal adjuster continued to delay claim resolution and ignored the insured’s requests for updates. The plaintiff and its representative continued to press Palomar for updates and/or an estimate of damages after their inspection, but they declined and ignored the requests. Two months after the inspection, three months after the initial inspection, and after the plaintiff’s representative continuously pressed Palomar and the internal adjuster for updates, the internal adjuster simply said Palomar was “still reviewing” the claim. Palomar eventually denied the claim in February 2018.

Violating the Texas Insurance Code

Palomar made numerous violations of the Texas Insurance Code, including 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.

Hurricane Harvey Insurance Lawyers

Policyholders that regularly pay their premiums deserve full coverage under their policies in the event of a natural disaster. If your business was damage by Hurricane Harvey and the insurance company has delayed, underpaid, or outright denied your claim, contact Raizner Law today for a free consultation.

Hurricane Harvey wind damage

Pasadena Strip Mall Owner Files Hurricane Harvey Wind Damage Lawsuit

Raizner Law has filed a Hurricane Harvey wind damage lawsuit on behalf of a Pasadena strip mall owner against Westchester Surplus Lines Insurance Company after its insurance claim was wrongfully denied under Texas law.

Hurricane Harvey Devastates Texas

Hurricane Harvey made landfall on the Texas coast as a Category 4 hurricane with maximum sustained winds of 150 miles per hour on August 25, 2017. Hurricane Harvey swept through Pasadena and hit the plaintiff’s property on August 26. The high winds from the storm compromised large potions of the property’s roof, allowing rain to be driven in, causing significant interior damage. There was also significant damage to the insulation, exterior lighting, drywall, paint, flooring, bathroom, lighting, ceilings, and other parts of the property.

Immediately upon discovering the damages, the plaintiff filed an insurance claim with Westchester alerting them of the damage. Westchester’s claims-handling process resulted in a wrongful denial that omitted a wealth of facts, physical evidence, obvious wind damages, and meteorological data from Hurricane Harvey supporting the plaintiff’s claim. Westchester unreasonably pinned the loss on anything but the wind, an action designed to save Westchester hundreds of thousands of dollars in damages to the property and the business.

Although Westchester has, to date, provided no clear documentation of its inspection or findings, it denied the claim in full. One Westchester claims specialist based out of Georgia stated the damage was “not the result of storm-created openings but pre-existing deficiencies and/or openings in the roof covering and sealant.”

Westchester Violated The Texas Insurance Code

Our client alleges Westchester violated the Texas Insurance Code by failing to effectuate the prompt, fair, and equitable settlement of a claim, failing to provide a reasonable explanation for the denial of a claim, and misrepresenting the policy under which it affords property coverage to the plaintiff.

Get Help With Your Hurricane Harvey Wind Damage Lawsuit

 In the aftermath of Hurricane Harvey, many insurance companies are trying to reduce payouts by misclassifying damage. This is wrong, and the insurance attorneys at Raizner Law are here to help policyholders stand up to insurance companies. If your Hurricane Harvey wind damage claim has been denied, contact us today for a free consultation to discuss your case.

Hurricane Harvey Insurance Lawsuit

Raizner Law Files Hurricane Harvey Insurance Lawsuit On Behalf of Bay City, Texas Motel Owner

Raizner Law has filed a Hurricane Harvey bad faith insurance lawsuit on behalf of a Bay City, Texas motel owner against Underwriters at Lloyd’s, London after its insurance claim was wrongly denied under Texas law.

Hurricane Harvey Hits Texas

On August 25, 2017, Hurricane Harvey came ashore as a Category 4 hurricane, inflicting billions of dollars in damages to private and public property in Fort Bend County and Matagorda County alone. As a result of Harvey’s extreme winds and rain when it hit Bay City and Matagorda County, the plaintiff’s motel property was substantially damaged. Sizeable portions of the property’s roof were compromised by wind, which caused significant damage to the ceilings, walls, and flooring.

Immediately after the storm, the plaintiff promptly filed a claim with Lloyd’s, alerting them to the extensive damages. However, because Lloyd’s does not have a single employee in Texas, the claim was assigned to a third-party administrator. Under Texas law, insurers have a “non-delegable duty” to responsibly handle claims, but Lloyd’s blatantly ignored this duty. The third-party administrator’s adjustment of the claim was disorganized, rife with delays, and left many of the insured’s questions unanswered.

Months after inspections of the property, Lloyd’s found “damages found to the property do not exceed your policy deductible,” in an effort to avoid contractual responsibilities and to save significant sums of money at the expense of the plaintiff.

Lloyd’s Operated In Bad Faith

Lloyd’s violated numerous sections of the Texas Insurance Code, including refusing to pay a claim without conducting a reasonable investigation, failing to implement reasonable standards for the investigation of a claim, and misrepresentation of the policy under which it affords coverage to the insured. Our client also alleges Lloyd’s violated the Texas Deceptive Trade Practices-Consumer Protection Act.

Get Help With Your Hurricane Harvey Insurance Lawsuit 

Insurance companies have no right to use bad faith tactics to avoid paying out on valid claims. Much of the Texas coast suffered catastrophic losses from Hurricane Harvey, and insurance companies are preventing businesses from recovering. If your insurance company is delaying, underpaying, or denying your Hurricane Harvey insurance claim, contact Raizner Law today for a free consultation to discuss your options.

Hurricane Harvey Insurance Lawsuit

Houston Commercial Property Owner Files Harvey Insurance Lawsuit

Raizner Law has filed a bad faith Hurricane Harvey insurance lawsuit on behalf of a Houston commercial property owner against State Automobile Mutual Insurance Company after its insurance claim was wrongfully denied under Texas law.

Hurricane Harvey Devastates Texas

The plaintiff owns ten different commercial properties across Harris County and Fort Bend County. When Hurricane Harvey devastated Texas beginning on August 25, 2017, the plaintiff’s properties suffered significant wind damage from the storm. Immediately upon discovering the damage across its properties, the plaintiff filed wind insurance claims with State Auto and asked the cost of repairs be covered pursuant to the insurance policy.

State Auto’s claims-handling process resulted in wrongful denials that omitted a wealth of facts, physical evidence, obvious wind damage, and meteorological data from Hurricane Harvey supporting the plaintiff’s claims. State Auto unreasonably pinned the loss on anything but the wind, an action designed to save hundreds of thousands of dollars in claims payouts for damages to the properties and the businesses.

State Auto assigned a claims adjuster to handle the claims who was located in Ohio. The adjuster was unqualified, incapable of adequately assessing the property damage, and was the source of many delays throughout the claims process. After inspecting the properties, State Auto and the adjuster continued to delay claim resolution and ignored the plaintiff’s requests for updates.

According to the adjuster, the plaintiff’s claims were denied on the basis of finding “no wind/storm related damages to the building” on nine out of the ten properties. This conclusion was based on an outcome-oriented investigation aimed at denying the plaintiff’s claims from the outset. State Auto, its adjusters, and consultants ignored obvious catastrophic wind damage to the properties, and refused to consider Harvey’s considerable winds were the source of the damage. The claims adjustment process was unnecessarily complicated, disorganized, and conducted behind closed doors until State Auto ultimately wrongfully refused to compensate the plaintiff for any of the obvious covered damages under its policy.

State Auto Violated The Texas Insurance Code

Our client cites numerous violations of the Texas Insurance Code, including failure to effectuate the prompt, fair, and equitable settlement of a claim, refusing to pay claims without conducting a reasonable investigation, and misrepresentation of the policy under which it affords property coverage to the plaintiff.

Get Help With Your Hurricane Harvey Insurance Lawsuit

Raizner Law is proud to represent Hurricane Harvey victims. We are a local Houston law firm, so we know the struggles faced by our clients firsthand. If you have a Hurricane Harvey wind damage claim and your insurance company has delayed, underpaid, or outright denied your claim, call us today for a free consultation to discuss your case.

Hurricane Harvey Insurance Lawsuit Attorneys 

Raizner Law Files Hurricane Harvey Insurance Lawsuit On Behalf of Commercial Building Owner

Raizner Law has filed a bad faith insurance lawsuit on behalf of a commercial building owner against Certain Underwriters at Lloyd’s after its insurance claim was wrongfully denied under Texas law. The building suffered extensive damage from Hurricane Harvey, and to this day, Lloyd’s has failed to issue the plaintiff full coverage under its policy.

The plaintiff owns a large commercial property in Houston, Texas that houses a banquet hall, office space, and kitchen facilities. 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 as a Category 4 hurricane with wind speeds of up to 150 miles per hour. Harvey’s extreme winds and rain when it hit Harris County, and specifically the subject property, on August 27, 2017 caused the property substantial damages. Sizeable portions of the property’s roof were compromised by wind, resulting in interior damage to ceilings, walls, and flooring.

Despite underwriting insurance policies for Texas properties, Lloyd’s does not have a single employee in Texas, so when claims like the plaintiff’s arise, they assign the claim to third-party administrators. In this case, Lloyd’s assigned our client’s claim to Gulf Coast Claims Services (GCCS), one of several adjusting firms that have sprouted to service the foreign, absentee insurance market led by Lloyd’s. Although Texas law provides that an insurer has a “non-delegable duty” to responsibly handle claims, delegate is precisely what foreign insurance entities like Lloyd’s do on a regular basis.

Lloyd’s utilized its preferred vendor, GCCS, to handle adjustment of the claim on its behalf. GCCS’s adjustment was disorganized, rife with delays, and left many of the plaintiff’s questions unanswered. The plaintiff hired its own representative to assist with the claims process, but GCCS’s adjusters continuously ignored the plaintiff’s representative in an effort to intentionally mislead the plaintiff about the claims process and ultimately deny the claim.

Lloyd’s 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 promptly provide a reasonable explanation for the denial of a claim, and refusal to pay the claim without conducting a reasonable investigation.

Hurricane Harvey Insurance Lawsuit Attorneys 

At Raizner Law, we have extensive experience taking on large insurance companies and obtaining successful outcomes for our clients. If you are a business owner struggling with your insurance company over a Hurricane Harvey claim, don’t wait to contact one of our Hurricane Harvey insurance lawsuit attorneys to learn your rights.