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Storm Damage Claims

Property owners need to routinely inspect and document the condition of their property. This is important for two reasons. First, it establishes a baseline in terms of the condition of a property prior to a loss. Second, regular inspections will allow you to discover whether property damage has occurred which will require a claim to be filed. If it is an investment property you may not be aware of a storm hitting the building. Even if you are an occupier of your property, the storm may have happened outside of normal operating hours or you may assume there is no damage because you can’t see anything from the ground or you aren’t having any leaks.

Wind and storm damage can cause damage that may not be readily apparent. Another issue to understand is how wind damage may affect a water or flood claim. Most policies do not cover floods.

However, you may have coverage for water/flood damage if the infiltration of the water occurred as a result of an opening caused by a covered peril (i.e. wind). If you are a property owner in Texas here are a few ideas in how to handle your storm claim.

  1. Be vigilant: Know the condition of your roof. If you are aware of a storm, go and inspect your roof quickly. Don’t wait. Insurance companies are more suspicious of claims that are made several months after the fact.
  2. File your claim quickly.
  3. Mitigate your loss. Make temporary repairs to the part of the building that was damaged. Make certain the repairs are enough to prevent further loss.
  4. Know your policy. Are you entitled to ACV or RCV? What are the exclusions under the policy? Are there coinsurance penalties? What is the deductible and how is it calculated? What are your notice requirements under the policy?

If you own property in Texas, chances are good that you will have an insurance claim for storm damage at some point. If you are having trouble settling your property insurance claim, contact Hoch Law Firm, PC.

Texas Property Insurance Lawyer Blog - Wind/Hurricane
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