Texas Wind Damage Lawyer

What Types of Wind Damage Does Insurance Typically Cover?

Homeowners insurance typically covers wind damage, though the specific coverage can differ depending on the policy. It's important to review your insurance contract to fully understand your level of coverage.

Here are some common types of wind damage that are typically covered by insurance:

1. Roof Damage: Most homeowners insurance policies cover damage to shingles, tiles, or other roofing materials caused by strong winds or flying debris; some will even pay out for a new roof.
2. Structural Damage: Windstorms can cause structural damage to buildings, including walls, windows, doors, and the overall integrity of the structure; certain policies may cover the costs of structural repairs and rebuilding.
3. Siding and Exterior Damage: Damage to the exterior of your property, such as siding, gutters, and facades, is often covered under wind damage insurance.
4. Personal Property Damage: Due to roof leaks or broken windows, wind damage can also extend to personal property within the structure, such as furniture, appliances, and belongings.
5. Falling Trees and Debris: If a tree or large piece of debris falls on your property due to strong winds, the resulting damage may be covered.
6. Additional Living Expenses: If your home becomes uninhabitable due to significant damage, some insurance policies will cover the associated living expenses, which can include the cost of temporary housing, meals, and other necessities.
7. Business Interruption: For commercial property insurance policies, business interruption coverage may apply if the damage forces your business to temporarily close — this coverage is meant to help compensate you for lost income during the closure.

It's important to note that coverage limits, deductibles, and policy terms can vary widely from one insurance carrier to another. Some policies may have specific exclusions or limitations related to wind damage. Read your policy carefully and make sure you understand it before filing a claim.

If you have questions or concerns about your wind or hail damage claim, reach out to Omar Ochoa Law Firm at (956) 305-1490 for a free case review.

Do I Need a Separate Insurance Policy for Wind Damage Coverage?

Whether you need a separate policy for wind and hail damage or not depends on your homeowners insurance policy and carrier.

Standard homeowners insurance typically includes dwelling coverage for wind and hail damage, protecting your home, including the roof, from these perils. It's important to know your deductible, as you'll have to pay that amount before your policy will cover any repairs. Temporary repairs to prevent further damage are usually covered.

While separate windstorm policies are available for added protection, they may only be necessary in areas with a history of severe wind damage. If disputes arise with your insurance company, it's advisable to consult a law firm with experience in storm damage and insurance claims.

Reasons Your Wind Damage Claim Could Be Denied

Your wind damage claim could be denied for several reasons. Some common reasons for denial include:

1. Policy Exclusions: If your policy explicitly excludes a particular type of covered peril, such as wind-driven rain, your claim may be rejected if the damage falls under these exclusions.
2. Insufficient Coverage: If the extent of the damage exceeds your policy's coverage limits, you may not receive full compensation for it.
3. Pre-Existing Damage: If the insurance company determines that the damage existed before the wind event, it may deny your claim, as it's not a new loss.
4. Missed Premium Payments: Neglecting to pay your insurance premiums can lead to a policy lapse, rendering your coverage invalid at the time of the claim.
5. Delayed Reporting: Similarly, failing to promptly report wind damage to your insurer can result in denial, as timely reporting is typically a requirement.
6. Inadequate Documentation: If you lack sufficient evidence to support your claim, such as photos, repair estimates, or damage assessments, your insurer may deny it.
7. Disputes Over Cause: If there's a dispute over whether the damage was caused by wind or another factor, your insurer may deny your claim until the issue is resolved.
8. Misrepresentation: Providing inaccurate or false information during the claims process can lead to a denial.
9. Policy Non-Renewal: Sometimes, insurance carriers may decide not to renew a policy, which could affect your ability to file a claim after the policy's expiration.
10. Lack of Maintenance: If the insurer finds that you failed to adequately maintain your property and that that failure contributed to the damage, they may deny your claim.

It's crucial to thoroughly review your insurance policy, promptly report damage, document the damage with photos and estimates, and maintain open communication with your insurance adjuster to minimize the risk of claim denial.

If you think your claim has been wrongly denied, connect with our insurance lawyers for a free case review.

How a Wind Damage Claims Lawyer Can Help You

Dealing with wind damage to your property can be challenging. Fortunately, our dedicated wind damage claims lawyer is here to guide you through every step of the process. Here's how we can help.

Assessing Wind Damage Losses

Your attorney will thoroughly assess the extent of the damage, ensuring that no detail goes overlooked. We understand the complexities of wind damage claims and will work diligently to maximize your compensation.

Gathering Essential Documentation

We'll assist you in gathering all the essential documentation to support your wind damage claim. This may include photographs, estimates, and any other evidence needed to strengthen your case.

Negotiating with Insurance Companies

Our legal team has ample experience negotiating with insurance companies. We'll handle all communication with your insurer, working to secure a fair and timely settlement that adequately covers your wind damage losses.

Litigating Wind Damage Claims

If your insurer is uncooperative or attempts to deny a valid claim, we're prepared to take your case to court. Our litigation experience will ensure that your rights are protected, and we'll fight relentlessly to win the compensation you have coming to you.

With a skilled property damage attorney by your side, you can pursue your wind damage insurance claim with confidence. Your peace of mind and ability to recover are our top priorities.