3 Texas Property Damage Stories: Real-Life Cases and Resolutions

Nature of Property Damage and Insurance Claims

Homeowners in Texas often face the daunting aftermath of property damage, particularly due to hail storms. Understanding insurance claims amidst roof damage from hail storms is crucial for safeguarding your home. This article uncovers real-life cases, offering insights and resolutions to empower homeowners dealing with insurance battles.

Navigating insurance claims after property damage, especially roof damage from hail storms, can be overwhelming. Many face challenges, from denied claims to navigating the complex process, impacting their homes and finances.

In this article we’ll discuss:

• Case Studies Unveiled: Three real-life Texas property damage stories
• Common Insurance Hurdles: Understanding denied claims and complexities
• Navigating the Process: Steps to handle insurance claims effectively
• Resolutions and Insights: Solutions and guidance for homeowners
• Tips for Mitigation: Preventative measures post-damage

Property Damage Cases with Stormlex Law Group:

“Germania Insurance Claim Adjuster did not list the extent of the roof damage that I had. I was able to have a public adjuster inspect my roof which revealed there was much more hail damage than the Germania claim specialist discovered. Upon re-inspection of my roof with Germania and the public adjuster, Germania acknowledged that there was much more damage than what was originally discovered.

The roof had enough damage to warrant a full replacement, yet they only wanted to pay for one side of the roof to be replaced. That was not enough money and with the inflated prices of roof materials, the claim payout was a joke.

My public adjuster referred me to this attorney’s office, and they were very helpful in getting this process handled. Going back and forth with an insurance company is stressful and I was able to leave that part to the professionals. It is a timely process. Lots of meeting coordination with the insurance company and 3rd party negotiators, however, it is worth the time.

The end result is that my wife and I received enough money to replace the roof on our house and our storage building. Jake was very easy to talk to and he explained as much as he could how the process of negotiating with an insurance company goes.

As of 3/28/2023, we finally had a new roof installed! I feel that without the help of Jake and his team, I would be buying a lot of roof patch compound with that original small payout from the original hail damage roof claim.” – David Saenz

“Very satisfied with the support received from this law firm.

My sister and I had been fighting with our late father’s home insurance company for more than a year after his home was damaged. The horrible insurance company refused to provide the appropriate compensation per the policy to allow us to fix his home.

We finally took the step to get an attorney involved and it resulted in us securing the funds needed to repair our dad’s home. Everyone who helped us was great. They took their time communicating the process, communicating our options and were very responsive throughout the journey to getting the insurance company to do what was right.

We ended up getting the full amount that we wanted in a relatively short amount of time. I wish we had gotten them involved sooner. If we had, we would not have had to go more than a year with our dad’s home not repaired and it would have saved us so much stress and headaches!” – Ryane Jackson

“I’m very pleased having Flores & Pelaez Prada assisting me with my insurance claim case.

After my insurance did not give me the full amount of my roof storm claim and kept telling me that I had no hail damage even though I had leaks and pictures to proof, Flores & Pelaez Prada took my case and fought for what it was right.

My previous CounterClaim Public Adjusters recommended me after getting nowhere with my insurance company. I appreciate the customer service they provided me by always being in communication to keep me up to date on anything regarding the case, I did not had to be reaching out for follow ups.

After a few months of waiting for the case to settle, I got a call from them giving me the good news about the outcome and even got more on my settlement from what I was expecting.” – Zinthia Isabel Garza

Common Insurance Hurdles

• Insurance companies often deny or delay claims related to roof damage from hail storms.
• Denied claims due to policy interpretation discrepancies are common. (This is why having an adjuster or lawyer on your side is important!)
• Underpaid claims often go undisputed due to property owners not knowing they can dispute the claim
• Click here to read more about insurance blocks you may face when filing a claim.

Navigating the Process

• Document your damages
• Review your policy (specifically exclusions, waivers, coverage)
• Open your claim
• Reach out to Stormlex Law Group for

Tips for Mitigation

Mitigating damages involves taking proactive measures to minimize or prevent further harm to property or assets, especially in the context of an insurance claim or potential loss event. Here are some common components of mitigating damages for homeowners or property owners:

• Prompt Response: Repairing a leaking roof can prevent water damage to the interior of the property.
• Regular Maintenance: Inspecting and maintaining the plumbing, HVAC systems, and the roof.
• Weatherproofing: Sealing windows and doors, reinforcing the roof, or installing storm shutters.
• Security Measures: Installing an alarm system or surveillance cameras can deter potential threats and minimize the risk of property damage due to burglary or vandalism. (Not essential for homeowners, usually we recommend this for commercial properties, but it’s still a great tool for all property owners!)

• Documenting Assets: Keeping a detailed inventory of possessions, including photographs, receipts, and appraisals, can facilitate the claims process and ensure that losses are adequately covered by insurance.
• Fire Safety Measures: Installing smoke detectors, having fire extinguishers on hand, and having an evacuation plan, can significantly reduce the risk of fire-related damages.