Why Texas Homeowner’s Insurance Claims for Hail, Wind, and Storm Damage Are Denied (and How Our Attorneys Can Help Appeal) 


At the Carlile Law Firm, LLP, our Harrison County attorneys know Texas homeowner’s insurance claims for hail, wind, and storm damage are often denied for several reasons, many of which stem from policy limitations, disputes over the cause of damage, or the insurer’s interpretation of the claim.

Our Marshall homeowner’s insurance claims attorneys also know that the insurance company’s denial is not the final word. Partnering with our experienced lawyers, who can thoroughly review your policy, gather supporting evidence, and identify any unfair or improper practices by the insurer, can lead to a successful appeal.

We can challenge these decisions, negotiate on your behalf, and, if necessary, take legal action to ensure you receive the compensation you’re entitled to. With our committed legal representation, you can appeal the denial and fight for a fair settlement, making the insurance company’s initial decision just one step in the process.

Homeowner’s Insurance Claims

Common Reasons Texas Homeowner’s Insurance Claims are Denied

Understanding the potential reasons for your homeowner’s claim denial is critical. Our skilled lawyers can help you launch a robust and timely appeal, giving you a strategic advantage, as the insurance company is more likely to take your claim seriously and negotiate fairly.

Common reasons homeowner’s insurance claims for hail, wind, and storm damage are denied in Texas include, but are not limited to:

  • Policy Exclusions or Limitations: Many insurance policies have specific exclusions or coverage limits for certain types of storm damage. For example, damage caused by flooding, even in a storm, may not be covered unless the homeowner has a separate flood insurance policy.
  • Pre-Existing Damage: Insurance companies often deny claims by arguing that the damage existed before the storm or was due to poor maintenance. The claim may be rejected if the homeowner can’t prove the damage was caused directly by the recent storm.
  • Insufficient Documentation: Homeowners may fail to provide sufficient documentation or evidence, such as photos or detailed reports, showing the extent of the damage or its cause. Without proper documentation, insurers may deny the claim.
  • Disputes Over the Cause of Damage: Insurance adjusters may argue that the damage was caused by wear and tear, age, or lack of proper upkeep rather than the hail, wind, or storm itself. In such cases, the insurer may refuse to pay out.
  • Missed Deadlines: Failing to report the damage within the required timeframe outlined in the policy or delaying repairs may lead to a denial, as insurance companies expect prompt reporting and mitigation of further damage.
  • Coverage Disputes: Sometimes, disagreements arise over what is covered under the policy. The homeowner may believe the damage is covered, but the insurer may interpret the policy differently, leading to denial of the claim.

The good news is that you do not have to take your homeowner’s insurance representative’s word for what your claim is worth, and you certainly do not have to give up when your claim is denied. We can help, starting with a free consultation.

How Can the Homeowners’ Insurance Claim Attorneys at the Carlile Law Firm Can Appeal the Decision

If your Texas homeowner’s insurance claim for hail, wind, or storm damage has been denied, our experienced attorneys can help you appeal the decision and fight for the compensation you deserve.

Here’s how we can help:

  • Reviewing Your Insurance Policy

We will thoroughly examine your homeowner’s insurance policy to understand coverage, exclusions, and conditions. By identifying potential gaps or ambiguous language in the policy, we can build a stronger case for your appeal.

  • Investigating the Denial Reasons

Our attorneys will carefully review the insurer’s reason for denying your claim, whether it’s based on policy exclusions, pre-existing damage, or disputes about the cause of the damage. Understanding the grounds for denial is critical to crafting a targeted appeal.

  • Collecting Evidence and Documentation

We will help gather the necessary evidence to support your claim, including photos, repair estimates, weather reports, and expert assessments. If needed, we can work with independent adjusters, engineers, or contractors to prove the damage was caused by the storm and is covered under your policy.

  • Drafting and Filing the Appeal

Our attorneys will draft a compelling appeal letter detailing why the denial was unjustified and presenting evidence to support your case. We ensure the appeal is filed within the proper deadlines and complies with all procedural requirements.

  • Negotiating with the Insurance Company

We will negotiate directly with your insurance company to reach a fair settlement, leveraging our knowledge of insurance law and our ability to challenge unfair claims practices. We aim to secure the maximum compensation for your hail, wind, or storm damage.

  • Taking Legal Action if Necessary

If the insurance company continues to deny or underpay your claim, our attorneys are prepared to take the case to court. We can file a lawsuit for bad faith insurance practices if the insurer acted unfairly, and we will advocate aggressively on your behalf in litigation.

Navigating a denied insurance claim can be overwhelming, especially when dealing with storm damage to your home. Our attorneys will provide clear guidance and ongoing support throughout the appeals process, ensuring your rights are protected.

Contact Our Homeowner’s Insurance Claims Attorneys Today

Contact our experienced Harrison County homeowner’s insurance claims attorneys today to discuss your case with trusted Marshall, Texas community members. With our legal experience handling denied homeowner’s insurance claims, we are committed to helping you appeal the denial and obtain the compensation you need to repair your home and move forward without further delay.

Case results

2017 CONFIDENTIAL SETTLEMENT

Negligence – Man injured in car wreck Total Gross Settlement $950,000.00

2015 CONFIDENTIAL SETTLEMENT

Negligence – Woman injured in car wreck Total Gross Settlement $940,000.00

2015 CONFIDENTIAL SETTLEMENT

Negligence – Man injured in car wreck Total Gross Settlement $450,000.00

2014 CONFIDENTIAL SETTLEMENT

Products liability, negligent design, personal injury

2018 JURY VERDICT OF $41.55 MILLION

Wrongful Death and Negligence – negligent hiring, training, and supervision.

2017 JURY VERDICT OF $58,055.47

Negligence – Car wreck. Larry McCathran V. Justin Griffin

2015 JURY VERDICT $39,500.00

Breach of Contract – Property dispute. Bobby and Thyra Miller v. Leoriss Thomas

2013 JURY VERDICT OF $52,000.00

Negligence – property damage to home. Jim and Linda Cary v. Chandler

2003 JURY VERDICT OF $75,000

Nuisance – land contamination and toxic tort.

2002 JURY VERDICT OF $870,000

Wrongful Death and Products Liability – silica dust inhalation.

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