You may be entitled to compensation through windstorm, homeowners’, or commercial property insurance coverage if your property suffered windstorm roof damage. To recover what you are owed, you will need solid documentation, a clear understanding of your policy, and legal help to fight back against underpayment or denial of your claim.
At Moore Law Firm, we understand how windstorms can leave property owners feeling overwhelmed, stressed, and preoccupied with insurance adjusters instead of focusing on repairs. If you work with us, our Texas windstorm damage attorneys can gather proof, deal with your insurer, and hold them accountable if they delay or dismiss your claim.
The Real Cost of Windstorm Damage
Severe storms and high winds are a regular and costly threat to homeowners and business owners. Texas faced widespread rain, damaging winds, tornadoes, and flooding last year, with the heaviest impacts concentrated in the eastern part of the state.
Windstorm damage to your roof is not just about replacing a few shingles. Even small openings can let water seep into your property, leading to mold growth, ceiling stains, soaked insulation, and long-term structural issues that may not show up until months later. These secondary problems often cost more to repair than the initial damage. If you wait too long to act, you may end up footing the bill.
High winds can also shift or tear off roof decking, damage flashing, or loosen gutters and vents. Over time, that exposure to rain and debris accelerates wear and causes internal rot. For homes with older roofs, one storm may be all it takes to push things past the point of repair.
Why Windstorm Roof Damage Claims in Texas Are So Complex
From hurricanes on the Gulf Coast to inland windstorms and tornadoes, roof damage is a common and costly issue. Unfortunately, insurance providers often look for ways to reduce or deny these claims. They may argue that the damage wasn’t caused by the windstorm at all but by normal wear and tear. They may say you didn’t maintain the roof properly and that the damage could have been avoided.
Your insurer may also claim you waited too long to report the issue, violating the deadlines outlined in your policy. Likewise, depending on your coverage, they may even say your current policy does not include windstorm events, especially in areas near the coast where exclusions are more common.
These tactics are not just frustrating. They can also be financially devastating. Insurers may rely on vague policy language, send inspectors who minimize the extent of damage, or downplay evidence that clearly points to storm impact. To get compensation, you’ll need to prove that the windstorm, not age or poor maintenance, damaged your roof.
That means acting fast and being thorough by documenting the damage, keeping receipts related to repairs you’ve done, notifying your insurer promptly, and seeking legal advice from a Texas windstorm damage lawyer.
You Have Legal Rights Under The Law
Texas law gives property owners powerful tools when insurers act in bad faith. It requires insurers to investigate claims fairly and promptly. If they delay payments without a reasonable explanation, underpay, or wrongfully deny your claim, you may be entitled to more than just the original damages.
Specifically, your insurer must acknowledge your claim within 15 days and begin investigating promptly. They must also give you a decision within 15 business days of receiving all necessary information and pay the claim within five business days of approval. Additionally, they may owe you 18% annual interest on your claim plus your legal fees if they violate this timeline.
In extreme cases, you can sue your insurer for bad faith insurance practices, such as misrepresenting your policy terms or intentionally underpaying your claim.
How a Texas Windstorm Damage Attorney Can Help With Your Claim
You pay for insurance, so you will be protected when disaster strikes. Unfortunately, insurers are focused on protecting their bottom line, not your home or business. If your roof was damaged by a windstorm, do not assume the first offer is the best you will get. Here’s how a Texas windstorm damage lawyer can help:
- Reviewing your policy: They will interpret confusing clauses and identify whether windstorm damage is covered and to what extent.
- Handling communications: Your attorney will take over calls, emails, and paperwork so you don’t have to deal with pushy adjusters or misleading claims representatives.
- Building a strong case: They can gather roofing inspections, meteorological data, and repair estimates to support your claim.
- Demanding full payment: If the insurer lowballs your estimate, delays payment, or denies your claim, your lawyer will use Texas law to pressure them into settling fairly or take them to court if needed.
Let Our Texas Windstorm Damage Lawyers Today Secure Your Compensation
If you are struggling with windstorm roof damage, don’t wait for your claim to be denied or delayed before acting. Contact Moore Law Firm at 504-840-5529 or fill out our online form for your free consultation. You can talk about your situation and learn how our Texas windstorm damage attorneys can pursue every dollar you are owed.
FREQUENTLY ASKED QUESTIONS (FAQ):
Is wind and hail roof damage covered by insurance?
Wind and hail roof damage is often covered by homeowners’ or commercial property insurance, but insurers may try to deny or underpay claims. It’s crucial to understand your policy and gather thorough documentation.
What happens if I don’t report roof damage right away?
Waiting too long to report roof damage can lead to claim denial, as insurers may argue you violated policy deadlines. Prompt notification and documentation are essential to protect your right to compensation.
Can I sue my insurance company for denying my windstorm claim?
Yes, Texas law provides property owners with tools to fight insurers acting in bad faith. If your claim is wrongfully denied, underpaid, or delayed, you may be entitled to additional damages and legal fees.