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Navigating Austin Storm Insurance Claims for Texas Property Owners

Austin Storm Insurance ClaimIt’s been just over a month since severe storms swept through Central Texas, leaving a trail of destruction that many property owners are still working to address. 

The May 28, 2025 storms—now ranked as Austin’s third worst storm in history—produced hailstones up to 7 cm (2.75 inches) in diameter, flash flooding, and wind gusts up to 124 km/h (77 mph), causing extensive damage and leaving more than 68,000 customers without power.

If you’ve filed an Austin storm insurance claim, you need to ask yourself: Is your insurance company paying you enough to restore your property to its “pre-loss” condition? This is their legal duty—and it’s exactly why you’ve been paying those premiums year after year.

At The Moore Law Firm, we’ve been handling these exact types of claims for property owners like you for over 30 years. We offer a FREE second opinion on whether your insurance company is treating you fairly in the claims process. 

There’s no fee unless we take your case, and even then, you don’t pay until the end of the process. If we review your Austin storm insurance claim and find you’re being treated fairly, there’s no charge at all.

Get started today with our hassle-free online claim review process at www.moore-firm.com or call 1-866-566-6673.

Understanding the Scope of Damage When Filing an

Austin Storm Insurance Claim

The May 28 storm ranks as Austin’s third worst weather event in recorded history. The key question now is: Is your insurance company offering enough to return your property to its pre-loss condition?

What “Pre-Loss Condition” Really Means

Your insurance company’s legal obligation is to pay for repairs that restore your property to the exact condition it was in before the storm—not just make it “functional” or “livable.” This includes:

  • Complete roof replacement when patching isn’t sufficient
  • Matching materials and finishes throughout your property
  • Addressing all water damage, including hidden moisture
  • Replacing damaged systems, not just repairing them
  • Restoring your property’s value and integrity

If you’re unsure whether your settlement meets this standard, our free second opinion can provide clarity. 

Our hassle-free online claim review process at www.moore-firm.com makes it easy to get answers, or simply call 1-866-566-6673 to speak with our team.

Residential Properties

Residential areas in northern and eastern Austin reported widespread damage to roofs, skylights, and exterior siding, with insurance claims expected to rise substantially. Many homeowners discovered that what initially appeared to be minor damage has evolved into significant structural issues, including:

  • Roof punctures and missing shingles
  • Cracked or shattered skylights
  • Damaged siding and exterior surfaces
  • Interior water damage from compromised roofing
  • Broken windows and damaged window frames

Commercial Properties

Businesses faced similar challenges, with additional complications from business interruption. The Texas Capitol building and Disch-Falk Field at the University of Texas sustained significant damage, with the Texas Hill Country region experiencing lemon-sized hail.

Vehicle Damage

Numerous vehicles were damaged across the city, with reports of cracked windshields and body dents concentrated in areas where the largest hailstones were observed.

Important: Whether you’re dealing with home, business, or vehicle damage from Austin’s third worst storm, the question remains the same: Is your insurance company paying enough to restore your property to pre-loss condition? Get your free second opinion from The Moore Law Firm—we’ve been protecting policyholders’ rights for over 30 years.

Start your free claim review today: Call 1-866-566-6673 or visit www.moore-firm.com

Critical Steps for Property Owners

  1. Report Your Claim Immediately 

Time is critical. If you haven’t filed your Austin storm insurance claim yet, do it today. The longer you wait, the harder it becomes to prove storm-related damage. Even if it’s been a month since the storm, file your claim immediately.

2. Get a Free Second Opinion 

Before accepting any settlement offer, get a professional review. The Moore Law Firm provides 

FREE second opinions to ensure your insurance company is offering enough to return your property to its pre-loss condition. With over 30 years of experience handling storm damage claims, we know exactly what to look for.

Start your hassle-free online claim review at www.moore-firm.com or call 1-866-566-6673 today.

3. Document Everything

  • Take detailed photos and videos from multiple angles
  • Keep receipts for any emergency repairs
  • Maintain a log of all communications with your insurance company
  • Make sure your address is visible from the street for adjusters

4. Be Present for the Adjuster’s Visit

Try to be there when the adjuster visits and point out all damage. This is crucial—adjusters may miss damage that isn’t immediately visible, especially in areas like attics or interior walls where water damage may have occurred.

5. Don’t Accept the First Offer Without Review

Get multiple bids from contractors and compare them with the adjuster’s report before settling the claim. More importantly, have an experienced attorney review whether the settlement will truly cover all necessary repairs to restore your property to pre-loss condition.

Why You Buy Insurance: Pre-Loss Condition Is the Standard

You’ve paid premiums faithfully for years, and when disaster strikes, your insurance company has one fundamental duty: to pay enough to restore your property to its “pre-loss” condition—the same condition it was in before the storm hit. This isn’t a luxury or an unreasonable expectation. This is exactly what you’ve been paying for.

Yet after Austin’s third worst storm in history, many property owners are discovering their insurance companies are offering settlements that fall far short of what’s needed for proper repairs. That’s why a second opinion is so valuable—and why calling early matters.

Common Insurance Company Tactics

Unfortunately, many insurance companies will work to avoid making fair, prompt payouts — even if the property owners have done their part by having insurance and paying premiums on time. With over 30 years of experience, we’ve seen every tactic:

Cosmetic Damage Denials

Some insurance companies may deny claims for what they classify as “cosmetic damage,” such as dents or chips that don’t affect the function of a structure. However, what insurers label as “cosmetic” can lead to serious problems down the road.

Timing Disputes

Insurance companies will push back on windstorm claims saying it’s difficult to determine when the damage occurred. This is why immediate documentation after the storm is crucial.

Undervaluation of Claims

Many property owners receive initial settlement offers that fall far short of actual repair costs. Many industry professionals note that there’s been a shift in the insurance landscape, with more denials and people’s rates going up.

Beware of Storm Chasers

In the aftermath of severe weather, “we see a lot of fraudulent contractors coming from in and out of town.” Protect yourself by:

  • Working only with licensed, bonded contractors
  • Getting recommendations from trusted sources
  • Being wary of contractors who offer to waive your deductible—”That is a huge red flag.”
  • Saving proof that you paid the deductible on the claim, as state law makes it illegal for contractors to waive deductibles.

The Hidden Damage Risk

One of the most concerning aspects of hail damage is that damage isn’t always immediately apparent. Many property owners find leaks and structural problems months or even years after a hail event, when insurance claims become more difficult to process.

This delayed damage often includes:

  • Slow leaks that develop into mold problems
  • Compromised roof integrity that worsens over time
  • Foundation issues from improper water drainage
  • Electrical problems from water infiltration

This is exactly why getting a second opinion early is crucial. At The Moore Law Firm, our 30+ years of experience means we know what hidden damage to look for—damage that insurance adjusters often “miss” or ignore. Don’t wait until small problems become big ones. Our free review can identify whether your settlement accounts for potential future issues.

Get your hassle-free claim review started today:

Your Rights as a Policyholder

Texas law provides important protections for policyholders, but insurance companies don’t always follow these requirements voluntarily. You have the right to:

  • A prompt and fair investigation of your claim
  • Full payment for all covered damages
  • Clear explanations for any claim denials

If you believe your insurance company didn’t pay enough to cover your damages or unfairly denied your claim, you have options.

Don’t Wait: Get Your Free Second Opinion Now

The earlier you call us, the better we can help. Consider getting a free second opinion from The Moore Law Firm if:

  • You’ve received any settlement offer (even if it seems reasonable)
  • Your Austin storm insurance claim has been denied or significantly undervalued
  • The insurance company is delaying payment without explanation
  • You’re being pressured to accept a settlement
  • The adjuster’s estimate seems low compared to contractor bids
  • You’re simply unsure if you’re being treated fairly

Remember: We don’t charge a fee for reviewing your claim. If we find you’re being treated fairly, we’ll tell you—at no cost. If we find you have a case, you still don’t pay anything until the end of the process. With over 30 years of experience handling these exact types of claims, we know what fair treatment looks like.

Get your free claim review started now:

  • Online: Visit www.moore-firm.com for our hassle-free online claim review process
  • Phone: Call 1-866-566-6673 to speak with our team directly

The Importance of Acting Now

After 30 years of representing property owners against insurance companies, we’ve learned one crucial lesson: the longer you wait, the harder it becomes to get fair compensation. Insurance companies count on policyholders accepting low settlements or giving up when claims are denied.

With Texas hitting an all-time high for extreme weather events, and this being Austin’s third worst storm in history, insurance companies are becoming increasingly aggressive in denying and undervaluing claims. They’re betting you won’t know the difference between a fair settlement and one that leaves you thousands of dollars short.

That’s where your free second opinion becomes invaluable.

We’ll review your Austin storm insurance claim, your policy, and the insurance company’s offer to determine if you’re being paid enough to truly restore your property to pre-loss condition.

Don’t Let Your Insurance Company Have the Final Word

The May 28 storm serves as a stark reminder of why we buy insurance—to protect our most valuable assets when disaster strikes. You’ve held up your end of the bargain by paying premiums year after year. Now it’s time to ensure your insurance company holds up theirs.

Here’s what The Moore Law Firm offers:

  • FREE claim review and second opinion
  • Over 30 years of experience with Texas storm damage claims
  • No fees unless we take your case
  • No payment until the end of the process
  • Honest assessment—if you’re being treated fairly, we’ll tell you
  • Hassle-free online claim review process at www.moore-firm.com
  • Direct phone support at 1-866-566-6673

The insurance company has teams of adjusters and lawyers working to minimize their payout. Shouldn’t you have an experienced advocate ensuring you receive every dollar needed to restore your property to pre-loss condition?

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