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After the Storm

Dallas TX HailstormIf you were hit by one of the recent hail storms in Wylie or Dallas you are probably just now getting someone out to adjust your claim.

I’ll warn you now. You may be in for quite a surprise.

In recent years, a number of property insurers have snuck “cosmetic endorsements” into their policies. These endorsements state that there is no coverage for cosmetic damage. The hail must impact the functionality of the roof for it to be covered.

So what constitutes cosmetic damage versus functional damage?

Your guess is as good as mine. The carriers will argue that, as long as the roof isn’t leaking, you’re not covered.

Hail impacts almost always damage the life span of a roof. And what about 6 months or a year from now? Who is to say that an impact that appears “cosmetic” today will not corrode and affect the functionality tomorrow?

This is an area ripe for litigation. If you have a hail storm claim you would like to discuss, call me at 1-800-828-5160.

Client Reviews
Tim represented us in a dispute with our insurance company over roof damage due to a hail storm in the Dallas area. We were very disheartened by the constant denials and dishonest treatment we were receiving from the insurance carrier, and Tim counseled us to remain patient while he systematically put together expert opinions and facts that supported our claim. Eventually we were able to settle our case and had the roof replaced on our apartment building just two months before the big tornado hit in late 2015. Our investment property was the only one in the area that did not sustain any roof damage! We were lucky with our timing, but we were even more fortunate to have Tim on our side. We highly recommend Tim's firm! Allan and Marian Goodman
In short order, he was able to quickly understand and master the details of our case and map out a very cost-effective, efficient legal strategy. After a series of quick wins in court, our opponent came to the table with a highly satisfactory settlement. Mr. Hoch’s ability to effectively tell a persuasive story within the confines of a courtroom is without equal. Anthony Page
Tim’s knowledge and insight regarding not just the law, but business and human nature in general was greatly appreciated and relied upon as we navigated through a difficult situation. Tim has my utmost admiration and respect both on a personal and professional basis. Phillip A. Reinsch
We use Tim Hoch to handle complex business litigation matters on a variety of topics. He combines a strategic, no-frills approach with a bottom-line mindset. He is extremely responsive, organized and thorough. We would gladly recommend his services. Richard Warren, CEO