Has your insurance company unreasonably delayed, denied or underpaid your hail damage or roof claim? Did your insurance company refuse to fairly consider and pay for hail damage to areas other than the roof such as ridge caps, HVAC units, gutters and downspouts, painting for cosmetic damage to the building, window screens and doors, fences, etc.?
For residential and commercial property owners, insurance companies are increasingly taking an aggressive position against making fair and full payment to their insureds for hail-related damages. In an effort by the large insurance companies to once again further limit and erode coverage under home and commercial property insurance policies as well as limit consumer protections currently afforded by state law, Texas insurance defense attorneys, and other insurer advocates are seeking to characterize hail claims in general as a byproduct of overzealous and unethical policyholder advocates (e.g., public adjusters, attorneys). If successful in their efforts, insurance companies will see to it that the law which governs how they must treat their insureds is changed – and these changes won’t be for the benefit of policyholders.
If you have a residential or commercial property hail claim, and your insurance company has denied or underpaid your claim, you may need help to fight back against the insurance industry’s paid defenders, especially following the severe hail damage experienced throughout much of Texas—and other states—in 2016. At Smith Kendall, PLLC, we have helped insureds with denied, delayed, and underpaid insurance claims for more than 15 years. Unlike the insurance company’s attorneys, we don’t get paid unless our clients receive payment from their insurer.
Most homeowners and commercial property owners don’t have the time or expertise to successfully fight a large insurance company with access to its own army of defense attorneys, “independent” adjusters, and insurance defense industry experts. The assistance and guidance of an experienced Dallas hail damage insurance attorney can be critical in getting you what you’re owed under your insurance policy.
The supercell thunderstorm that hit Texas with catastrophic hail in the spring of 2016 produced over 50 hail reports and millions of dollars of damage. Since then, insurance companies have been trying to mitigate their losses by underpaying or denying many hail claims. If you or a loved one has struggled to be fairly compensated for hail damage, you are not alone. At Smith Kendall, PLLC, we have the experience and resources to stand up to insurance companies on your behalf. The sooner you begin to fight for restitution, the better your chances will be. To help you begin the process, we have compiled a list of questions frequently asked by our clients when they come to us.
When you sign up for an insurance policy, you expect the insurance company to uphold its promise to pay the stated amount on your claim. What many policyholders don’t realize, however, is how skilled insurance companies are at adjusting that amount to better suit their financial aims. The fact that policies are designed by insurance companies makes it easy for them to find loopholes that allow them to underpay or deny your claim altogether. Fortunately, there are committed Dallas hail damage attorneys such as those at Smith Kendall, PLLC who fight against such unethical behavior.
There are several factors that complicate the process of making a hail damage claim. Knowing these complications is the first step to understanding how to fight for what you are owed:
One reason that clients struggle to receive full compensation lies in the nature of hail damage claims. Hailstorms often create two kinds of damage: the immediately noticeable and the more hidden type that doesn’t often emerge until after a claim has already been filed. Some types of obvious damage include broken shingles on roofs, stripped siding on houses, and broken windows on both houses and vehicles. The less obvious types of damage that hail can inflict on your property are generally structural issues. The force of a hailstorm can compromise the structural strength of your home without you realizing it until it’s too late. Enlisting the eyes of a trained professional to evaluate your property is helpful in determining the amount of compensation you need to restore your life to what it was before the storm. Indeed, the job of insurance is essentially to restore what has been lost, not just in terms of objects, but in a way of life.
One tactic that insurance companies use to mitigate their financial losses after a hailstorm is to slow down the process of repaying claims. The longer you wait to file and pursue your claim, the greater the chance that you may not see its full value returned to you. Delay only helps the insurance company, and they will also try to delay their actions in response to your claim as long as possible.
Insurance companies are large and powerful. To successfully win a fight against them, you need to equip yourself with someone who is knowledgeable about the way insurance companies work. These complicated insurance businesses have their own attorneys and experts to help maximize the companies’ profits, and unfortunately, their profitability does not translate into more money for you. The more they have to pay in claims, the less money they make, so insurance companies are encouraged to underpay or deny claims. Hiring an aggressive Texas hail damage attorney is your best option for achieving a successful outcome for your claim. A law firm like Smith Kendall, PLLC has the resources and experience to stand up for your rights.
For almost 20 years, the experienced attorneys at Smith Kendall, PLLC have been committed to standing up for the contractual rights of our clients against large businesses of all kinds, including insurance companies. We understand that clients come to us in times of distress, so we strive to make their lives easier by offering free initial consultations. We believe that offering compassionate attention to each client we work with has resulted in hundreds of satisfied clients over the years.
Based in Dallas, our firm is small, yet it has a big reach and covers clients in Texas, Colorado, Arkansas, Oklahoma, and Florida. We have intentionally decided against expanding our firm’s size to ensure a more personable experience for every one of our clients. Our partners have been defending clients for a combined total of almost thirty years. Educated in Texas, they are raising families in Dallas and strive to make their community a safer, fairer place for all. Unlike most law firms that delegate new clients to a junior-level attorney, at Smith Kendall, PLLC, we always assign one of our two founding partners to every case. You receive the highest quality of legal representation when you choose to work with Smith Kendall, PLLC.
At Smith Kendall, PLLC, our work guarantees itself. On your residential or commercial property hail claim, you will not owe us anything in fees or case expenses unless we recover additional insurance proceeds or compensation for you through settlement or trial.
If you believe your insurance company has failed to pay what it owes under the insurance policy for your hail claim, please call the Dallas hail damage claim lawyers of Smith Kendall, PLLC, at (214) 361-6124 to discuss your claim.