Hurricane & Hail Damage Claims

Texas Hurricane Damage Lawyer | Houston Hurricane Damage Lawyer

Experienced Texas Hurricane & Hail Damage Lawyers

The Hurricane and Hail Property Damage Lawyers at Zehl & Associates have represented hundreds of Texans who lost their homes and businesses as a result of the tremendous wind damage caused by Hurricanes, like Ike and Rita, Hail and Severe Storms.

The first thing we do when we’re hired in a case is send our team of experts, including general contractors and former insurance appraisers, to immediately conducts an extensive, independent appraisal of the damaged property in order to demonstrate that the insurance company has substantially undervalued or improperly denied our client’s claim.

What distinguishes our Hurricane and Hail Damage Attorneys from other law firms is that, even though many of our cases have been successfully resolved through settlement or mediation, if the insurance company refuses to offer a settlement that fully compensates our clients for their losses, we will not hesitate to take the case to trial, where our trial lawyers remain undefeated.

If Your Insurance Claim was Underpaid or Denied by Your Insurance Company, Call 1-888-603-3636 or Click Here for a Free Consult

The Devastating Effects of Hurricanes

It is no secret that hurricanes can and do cause widespread devastation to land and property whenever they make landfall. As a result, home owners file claims with their insurance companies to recover the money needed to repair or rebuild their homes and properties. While a small number of these hurricane insurance claims will be settled in full without much dispute, a substantial amount of home owners will be denied or underpaid, causing them to be frustrated and without the necessary funds to repair their most important investments.

Insurance companies have an obligation to settle the claims that they are presented with in a timely fashion and in good faith to those who they have elected to insure.

Individuals who experienced property damage as a result of a Hurricane or Tropical Storm are entitled to replacement and repair costs, as well as “punitive” damages and attorneys fees for any delay caused by the insurance company’s denial or underpayment of your claim .

The Insurance Company’s Fiduciary Duty to their Insureds

As an insured party in the state of Texas, home owners with insurance policies are owed a financial fiduciary duty from their insurance carriers. This fiduciary responsibility requires the home owner’s insurance company to act in good faith in terms of response and management of the claim that they file. The state of Texas has a set of codes that insurance companies must comply with when handling a home owner’s claim. And, in the event that they are not adhered to, some home owner’s may be entitled to a financial settlement.

While some Texas home owners will decide to try and fight their insurance claims on their own, others will turn to the expertise of Galveston and Houston hurricane lawyers. These individuals have the training and expertise to assist home owners with their hurricane insurance disputes, working as an advocate to recover the financial compensation that their clients are entitled to.

What does a Typical Texas Homeowners’ Policy Cover?

On average, a standard homeowners’ policy in Texas will cover:

  • Home: Any structural damage to the home and adjacent structures like a garage, a fence, etc.
  • Personal Property: theft of or damage to personal belongings within the home.
  • Uninhabitability: Any living expenses resulting from loss of use of the home due to damage.
  • Mold: Most mold damage, as long as the mold is the result of a covered loss under the policy.

Why Hire a Hurricane Damage Attorney?

Galveston and Houston residents who lost their homes during Hurricane Ike constantly contact our hurricane lawyers, complaining that their insurance company is coming back with appraisal values that are substantially less than the actual cost to fix or rebuild their house.

The Hurricane Attorneys at Zehl & Associates have a team of engineers and public adjusters who we regularly use to evaluate property values and damages, and refute the insurance company’s inadequate bid. It’s important to work with a Texas insurance lawyer who has experience with property damage and insurance claims so that you receive fair value for your property that was damaged during Hurricane Ike.

The Insurance Company’s Deadlines to Either Pay or Deny your Claim

There are many important timelines you need to be aware of when filing a claim with an insurance company. Under the Texas Insurance Code, insurance companies are required to pay claims in a “timely and prompt manner”.

The Texas Insurance Code, however, goes even further by imposing specific timelines on insurance companies to acknowledge, investigate and either pay or deny a claim.

Once the property owner files a claim with their insurance company, the company is required to:

  1. Acknowledge and begin investigating the claim, as well as request any necessary statements, items or forms within 15 days;
  2. Notify claimant as to the acceptance or denial of his or her claim within 15 business days (the insurance company may request up to 45 additional days to complete this step);
  3. Pay the accepted claim within 60 days of receiving any requested material;
  4. Pay the accepted claim no later than 5 business days after notification of impending payment;
  5. Pay the accepted claim no later than 5 business days after claimant performs any required action upon which payment is conditional.

How to Protect Yourself from Unscrupulous Contractors

Unfortunately, even in a time of disaster, there will always be those who seek to capitalize off of the misfortune of others. While many contractors are good, hard-working people doing their best to assist in the recovery, there are a number of unqualified contractors who have been taking advantage of people who sustained property damage during the hurricane.

Here are a few tips to help keep you from being victimized:

  1. Use a local or in-state contractor wherever possible. This will make it easier to verify the contractor’s credentials, insurance information and even reputation through the local Better Business Bureau
  2. Create a record of any and all repairs made by paying with a check, credit card, money order or any other traceable means of payment. Never pay in cash. In addition, keep any and all relevant receipts and invoices from the contractor himself.
  3. Accompany the contractor to the hardware store in order to purchase any necessary supplies. Do not give the contractor cash up front.
  4. Review everything before you sign it. There may be additional charges hidden on top of the contractor’s initial bid.

Contact Our Experienced Hurricane Damage Attorneys For a Free Consult at 1-888-603-3636

If you or someone you know has been denied or underpaid on a property damage claim caused by Hurricane Ike, call or click here to email an experienced Bad Faith Insurance Dispute lawyer at Zehl & Associates PC today for a free case evaluation.

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I hired Zehl when I was severely injured doing a Plug and Abandonment job offshore. I'm glad I did, they were incredible. They walked me through every step of the case, made sure that I got to the best doctors, and were always there for me when I was having trouble paying bills when the case was pending. I always felt that I was in good hands and well taken care of, which relieved a lot of my stress and helped put me at ease. Eric and the team at Zehl and Associates represented my best interests, I highly recommend them.
Derrick Collins
Derrick Collins
21:03 14 Jun 17
I was hesitant to file a lawsuit when I was injured at work, because I didn't know what to expect and my company kept telling me that "they were going to take care of me." But the medical bills kept piling up, I wasn't able to work and make money to support my family. Eric Allen and the staff at Zehl put me at ease about the process, kept me to up date about what was going on, and devoted all their resources to making sure that I had the money I needed to pay all my medical expenses and take care of myself and my family. I can honestly say that working with Eric, Ryan and the Zehl team was one of the best decisions we've ever made. Thank you.
Maura Burnett
Maura Burnett
22:17 12 Jun 17
After I was injured at a chemical plant, I needed time to recover from my injuries and a lawyer who could stand up for me and my family against my company. Ryan Zehl was recommended to me from a coworker. Ryan worked hard to prepare my case and kept me and my family in the loop through the entire process. At the end they were able to get me a settlement that was much more than we had expected. I’d recommend Ryan and the team at Zehl to anyone who needs an injury lawyer who’s aggressive, honest and dedicated to protecting their clients.
Jeffrey Hutson
Jeffrey Hutson
15:47 12 May 17
Thanks to the hard work from Ryan and his team, a dangerous product that could have hurt thousands of people is now off the street. Even though I suffered from the lack of safety checks from this product, I am happy to have “taken the bullet”, to keep other people safe. Special thanks to Tommy Servos, who kept me informed through out the whole trial and helped me get a record recovery!
Kevin Nunn
Kevin Nunn
20:30 14 May 17
I grew up in Texas and went to work on an oil rig just like my dad did. It was a point of pride to follow in the same career path as my father, but no one warned me about the constant pending danger of being on the rig. My team and I are professionals that follow the rules and keep safety as priority number 1. But there are some factors to this job that can’t be controlled. Just like the BP Deep Water Horizon oil spill, my rig suffered an explosion due to the lack of up keep and maintenance from our superiors. Ryan Zehl came to our aid to get the compensation my crew and I needed. Having a Houston personal injury attorney from back home represent us was truly a personal and eye opening experience. He truly cared about us and thanks to him, I can recover with my family and the safety precautions on the rig have never been tighter.
Catherine J. Bates
Catherine J. Bates
02:23 06 Mar 17
Husband was killed at a refinery to the lack of safety checks performed by the company he worked for. When I found out he was gone I was so devastated and scared for our family I wasn’t sure what the next step would be. At first I thought his company would do the right thing and take care of us. But was I wrong. They tried to say we could only recover worker’s comp and had no claim against the company. I hired Ryan because of their experience with plant and refinery accident cases. I was so impressed at how professional and caring Ryan and his entire team were. They would call to check on me and my kids and always made sure I had money to pay bills and get presents for my kids on there birthdays and at Christmas. I don’t know where we’d be without there help. Because of Ryan and his team, I was able to pay off the house, put a trust together for my kids to make sure they’re able to pay for college, and never have to worry about having enough money to take care of myself and the kids again. We are so grateful for everything they did for us. Thank you.
Silvana Teixeira
Silvana Teixeira
06:52 06 Jun 17
Ryan and his team at Zehl & Associates were outstanding from when I first hired them to when they got my case settled. I couldn’t be happier with the results and the work at this law firm has done. I am very thankful and don’t hesitate to give them 5 out 5 stars! You want these guys are your side.
Jhon Abraham
Jhon Abraham
16:53 13 May 17
I came to Zehl Law Firm after I was injured in a car accident. They made me feel comfortable and explained things so I understood what to expect. Along with excellent communication. They were always quick to respond and update me on everything. Kelvin Hayes did a great job with my case and I would be happy to refer him to anyone looking for a auto injury lawyer.
Cody Pennington
Cody Pennington
21:31 03 Jul 17
I highly recommend Zehl Law! When I was injured on the job, I reached out to Ryan’s office and was greeted with support. I was well taken and care of and really appreciate how the law firm professionals went above and beyond their call of duty to help me. Now I can recover without having to worry about money until I am well enough to get back on the job. Thanks guys!
Anna Cris
Anna Cris
12:07 12 Jul 17