Hailstorms, Hurricanes, and Tornadoes

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When a natural disaster occurs, it can cause immense damage not only to you, but neighboring areas involving hundreds of other properties. Large quantities of loss caused by weather-related perils are usually considered catastrophes by insurance companies.

When catastrophes such as hailstorms, hurricanes, or tornados occur, insurance companies and their adjusters are spread thin between the hundreds of claims being filed simultaneously. Because adjusters are handling numerous claims in a day just to keep up, they often overlook specific details of each claim and, inevitably, things fall through the cracks.

Additionally, these catastrophes can take a major toll on an insurance company’s bottom line. Financial strain insurance companies face can cause delays in compensation as well as underpayment and denial of claims filed.

If you’ve experienced a loss of a vehicle, or damage to your home or property and disagree with an insurance provider about your coverage, contact The Potts Law Firm for a free evaluation of your insurance claim.

COMMON DAMAGES
  • Structural and foundational damage
  • Roof damage
  • Vehicle damage
  • Crops and livestock damage
  • Water damage
  • Loss of business income
  • Additional living expenses
2018 RECOVERIES TO DATE

Commercial building (hail loss): Original offer – $0    Settlement – $400,000
(attorney fees & expenses: $122,351.57)

Commercial building (hail loss): Original offer – $0    Settlement – $135,000
(attorney fees & expenses: $26,349.48)

Residence (hail loss): Original offer $0    Settlement $45,000
(attorney fees & expenses: $14,641.35)

Residence (hail loss): Original offer $0    Settlement $22,000
(attorney fees & expenses: $7,516.51)

Frequently Asked Questions
What are common recoveries that result from insurance litigation?
  • Actual Damages
  • Interest from the date that you should have been paid
  • Penalties (imposed on an insurer) under the Insurance Code for knowingly underpaying or denying a claim
  • Attorney’s fees
How are hailstorms formed?

Hailstorms can be caused by severe thunderstorms, tornadoes, and hurricanes. They are one of the quickest forming natural disasters, making them hard to predict or prepare for.

How are tornadoes formed and when are they most likely to occur?

Most tornadoes are born out of severe thunderstorms or hurricanes. The most destructive and deadly tornadoes occur from “supercells,” which are rotating thunderstorms with a well-defined radar circulation. The highest classification for a tornado is F5, when winds reach between 261 and 318 mph. Tornadoes most often occur between 3 p.m. and 9 p.m.

What are common reasons/ways insurance companies delay, underpay or deny recovery?
  • Attributing the damage to wear and tear
  • Stating the damage is merely cosmetic
  • Claiming damage occurred during a previous policy year
  • Claiming there was no opening created by wind to cause the interior damage
  • Underpaying/omitting certain repairs to result in a repair cost that is below your deductible
  • Delay in handling and payment of the claim
A recent hail storm caused several dents on my roof. As of now the roof is not leaking. Can I still file a hail damage claim?

Many insurance coverage’s in Texas and other states have a cosmetic damage waiver attached to the policy, which denies claims for cosmetic damage alone. However, many times this endorsement is used by insurance providers when there is functional damage to your roof. Just because your roof is not leaking immediately after a storm does not mean your roof hasn’t suffered functional damage. If your roof was impacted at all by a hailstorm, you should contact a roofer to investigate. Many roofers offer an inspection free of charge.

Does my policy cover hailstorm damage?

While policies vary across property type, most property insurance policies will cover hailstorm damage. Refer to the declarations page of your policy for more information regarding your coverage.

What does “contingency agreement” mean?

This means that the law firm will work on your case and usually advance the expenses of litigation, but will not charge you unless and until they recover money damages for you.

Will I owe the law firm money if we don’t win my case?

No, you will not owe the firm/attorney anything if we don’t win your case, this is a gamble that the firm takes and must consider when taking a new case.

Have a question?