Insurance companies deny claims after storm causes damage in Texas

April 23, 2013

Insurance companies deny claims after storm causes damage in Texas

Article provided by The Voss Law Firm, P.C.
Visit us at http://www.storm-insurance-claims.com

A storm recently moved through Texas causing damage to homes, cars and property blanketing some areas of the state with over six inches of hail. The hail ripped through siding on homes and shattered windows.

The hail damage resulting from the heavy winds and dangerous pieces of ice produced by this storm provide a timely example of the harm that can result from a powerful storm. Those who own property often have insurance that is designed to provide financial assistance in making repairs associated with these storms. Unfortunately, sometimes insurance companies attempt to avoid meeting their obligations.

Homeowner's insurance claim basics

After a large storm, insurance companies may send out "independent adjusters" to assess the damage and come up with an estimate for the repairs. Not only is this adjuster associated with the insurance company, but the adjuster is also often working long days and may review 10 properties in one day. Because of the massive amount of work the adjuster completes in a short period of time, many question their thoroughness and the accuracy of the estimate they produce.

As a policyholder, it is important to remember that these adjusters do not make the final decision on a claim. If an adjuster provides an estimate and it appears to be off or does not include the cost to make repairs to areas that are damaged, ask questions. It may also be helpful to hire a public adjuster.

Once a final estimate is provided, make sure it reflects the market price of the products that need repair or replacement. When a storm causes a large amount of damage, the cost of things like drywall and glass could go up as demand increases.

This problem was highlighted recently after two hurricanes devastated Florida. Contractors requiring drywall to complete repairs soon found the supply available in the area was diminished. As a result, they began using Chinese drywall. This drywall has been associated with making people ill and has caused additional property damage.

In order to avoid a similar situation, check the price of materials that are needed to make the repairs you need. This could help contractors avoid the need to find a cheaper product that may lead to additional headaches in the future.

It is important to keep in mind that insurance companies are businesses designed to make money. Large storms can cause billions of dollars in property damage. Those holding insurance policies should read the fine print and familiarize themselves with what is covered.

Unfortunately, there are times when insurance companies attempt to avoid meeting their obligations. The insurance company may argue that the damage caused by the storm was preexisting or the result of a construction defect to avoid coverage. In these instances, it is important to contact an experienced storm damages lawyer to discuss your situation and better ensure you receive the insurance benefits you are entitled to.