TEXAS STORM DAMAGE CLAIMS 101
Texas storm damage attorney Michael Moore debunks major myths regarding storm damage insurance claims in Texas. For more information, visit https://moore-firm.com and https://moore-firm.com/consumer-prote… for more information.
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Texas Storm Damage Lawyer
4900 N 10th St
McAllen, TX 78504
956-630-4245
AUDIO TRANSCRIPT
00:06
[Music]
00:17
good afternoon everybody hello this is
00:19
michael moore
00:20
we are coming back to you again it’s
00:22
tuesday afternoon and
00:23
um and um reason we’re doing this today
00:26
is that we’ve had two
00:27
major storms in the um in the haddad
00:31
county area in the last
00:32
24 hours and um and we
00:35
got a lot of phone calls and a lot of
00:37
questions and so we thought we’d
00:39
reach out to everybody again um i think
00:42
we’re showing the rate at the radar from
00:44
last night
00:45
uh that storm kind of um uh creeped on
00:47
in
00:48
from um rio grande city over to la jolla
00:51
and over the mission area it sat there
00:53
for hours
00:54
and hours and it kind of hit a little
00:56
bit of a mcallen and then of course
00:57
today
00:58
uh that big storm so
01:02
anyways we’re our title of our theme
01:04
here in this program is called
01:05
mythbusters
01:07
um and we have a couple uh we have five
01:10
questions
01:11
or areas of topics deal with myths
01:14
involving insurance claims we thought
01:16
it’d be appropriate today because of all
01:17
the rain we’ve had i mean who knew
01:19
i mean wow a lot a ton of rain and so um
01:23
if you go outside because we had wind
01:24
and those sorts of things and so
01:26
um if you go around the house you see
01:28
any uh leaks
01:30
let’s see water spots on the interior or
01:33
if you find any um
01:36
let’s say shingles on the ground or
01:38
blown over fences or those sorts of
01:40
things
01:41
um you probably have to well you do have
01:43
damage if you have
01:44
if you have a water spot on your ceiling
01:47
that means you’ve got a leak that’s been
01:49
there for a while so the first
01:51
um of course you think your house looks
01:54
fine so the first myth
01:56
question is um my house looks fine after
01:59
a strong storm
02:00
so that means i shouldn’t file a claim
02:02
well it depends
02:03
it depends basically if you find any
02:05
shingles on the ground
02:07
if you uh or if you find any spots on
02:10
your ceiling
02:12
file a claim the insurance company
02:15
requires you to file a claim in a timely
02:18
fashion
02:19
and so what that means is people of
02:22
course
02:23
we are all procrastinators um
02:26
and you can’t procrastinate on this
02:27
because if you if you wait too long the
02:30
insurance company is gonna say oh you
02:31
waited too long
02:33
uh you prejudice our rights to do the
02:35
investigation
02:36
um and because we want to look at the
02:39
roof in the kitchen condition it was
02:41
soon after the storm
02:44
so that’s not a problem go ahead and
02:45
follow your claim
02:47
and get and get the process going um
02:51
second myth buster is if i if i cash my
02:54
insurance check
02:55
i can’t fight for my claim anymore
02:59
that is not true because the insurance
03:02
company must come out there and they
03:03
must
03:04
conduct a regional investigation they
03:06
must
03:08
and they must pay you for all your
03:09
damages and they have to do that without
03:11
making you sign a release
03:13
okay and so uh if so you can cash that
03:17
check and use that money to make
03:18
whatever temporary repairs uh or minor
03:21
repairs you can
03:22
if it’s not enough and then um and then
03:25
give us a call because we’ll send
03:26
somebody out there to give you a second
03:27
opinion a free second opinion actually
03:30
uh we’ve talked about this in the past i
03:31
mean if our clients of our clients
03:33
um houses uh don’t show damages
03:36
then we don’t we don’t charge them a fee
03:38
for that i mean the consultation is free
03:41
it’s only until we uh we win your case
03:44
uh that you
03:44
get reimbursed for those costs so it’s
03:46
real important
03:47
next one um if i keep finding
03:51
storm damage claims my insurance company
03:54
won’t renew my policy
03:55
good question we get caught we get asked
03:58
this question all the time
03:59
so in your policy it says that you can’t
04:02
the insurance company
04:03
is not supposed to cancel you if you
04:06
file
04:06
two claims within a three-year period of
04:08
time um
04:10
but the insurance companies do it
04:11
anyways okay that’s that’s bad faith
04:13
they’re not allowed to do that
04:15
but the law says they’re not supposed to
04:16
do that if you have
04:18
to win if you had two natural event
04:20
storms like a tornado or
04:22
lightning or or or something effect
04:25
that’s a natural event and the insurance
04:28
company is prohibited
04:30
from um from cancelling your policy
04:33
if you make those claims within a within
04:35
a three year period of time
04:38
if they do cancel you you’re going to
04:39
want to talk to me because there’s a
04:41
reason why they’re canceling you
04:43
and it’s probably because they found
04:44
some stored damage on your roof they
04:46
didn’t tell you
04:47
and now they want to get rid of you as a
04:49
as an insured
04:51
next one hiring a lawyer means i get
04:53
less money to fix my damages
04:55
that’s just absolutely false uh here at
04:57
the moore law firm odd job
04:59
is to go after the insurance companies
05:01
and go get the damages you are owed
05:04
and go get the attorneys fees you are
05:06
owed and
05:07
um and uh and get what they call prop
05:10
payment penalties statutory penalties
05:12
these damages uh allow us to go collect
05:15
so that at the end of the day you get um
05:17
you get enough money to get your house
05:18
fixed it’s
05:19
our job and we don’t stop until we get
05:21
to a point where we feel confident
05:23
that um that you know you’re going to be
05:25
made whole
05:27
last question here is insurance
05:29
companies would oh here’s
05:31
this is the myth buster insurance
05:33
companies would never
05:34
do anything illegal to reject my claim
05:37
well
05:38
that’s what they do i mean that’s the
05:40
whole the they violate the law all day
05:42
all day long
05:43
uh they fail you to go out what are the
05:46
issues we see that that are violating
05:47
the law
05:48
the the big one is they don’t go out to
05:51
the uh to the property
05:53
and conduct a real investigation they go
05:55
out there to do a what they call
05:57
a um an oriented result
06:01
investigation in other words they go out
06:02
there knowing they’re not gonna pay the
06:04
claim
06:04
i can’t tell you how many cases that
06:06
we’ve seen
06:07
where the insurance company goes out
06:09
there and they adjust the claim
06:11
it’s right under the deductible in other
06:13
words if you have a 2000 deductible say
06:15
oh you have nineteen thousand and fifty
06:17
dollars or nineteen hundred and fifty
06:18
dollars in damages
06:19
you get zero i mean it’s very typical
06:22
very common or they’ll do it right above
06:25
the deductible
06:26
and it’s because then later on when we
06:28
send our expert out there’s and they
06:30
find 20
06:30
000 damage or 50 whatever it may be um
06:33
and then
06:34
getting the case settled and um so
06:35
that’s that’s an illegal act
06:37
um not conducting a reasonable
06:39
investigation
06:40
um uh with competent adjusters a lot of
06:43
times these
06:44
insurance companies and adjusters out
06:45
there that they don’t have they don’t
06:47
know anything about building a roof
06:49
okay um and they’ll say oh your roof’s
06:52
fine
06:52
well really i mean
06:56
you’ve got to be competent a competent
06:58
person to do these investigations you
07:00
have to have
07:02
get experience in in construction work
07:04
you got to have some experience in
07:06
roofing
07:06
a lot of these adjusters have zero
07:08
experience or
07:10
they’ve been told by their company go
07:12
out there and take a few photographs
07:14
and then write up an estimate right
07:16
underneath the deductible
07:18
it’s a result oriented investigation
07:20
that’s against the law
07:21
anyways my name is michael moore the
07:23
moore law firm
07:26
in the next week or two we’re going to
07:27
be giving out the survival buckets
07:30
uh and we’ll be i’m posting another um
07:34
video on that about what’s in the bucket
07:36
and what
07:37
what what’s in there in terms let’s say
07:39
there’s a flashlight
07:41
and radio and water you know those sorts
07:43
of things
07:44
because um because the peak uh
07:47
the peak month four hurricanes is right
07:50
around the corner
07:51
um i was looking at some statistics uh
07:54
last night
07:55
and beginning at the end of august and
07:58
that’s where it peaks in september
08:00
uh that’s where uh when the um the the
08:03
the season is at its highest
08:05
likelihood for storms and we’ve had a
08:08
lot of rain this year
08:09
and who knows what’s going to happen
08:10
with the storm so if you don’t have some
08:13
insurance coverage you’ve got to get it
08:15
now because if there’s a storm out
08:17
in the um in the in the gulf of mexico
08:20
your uh the the insurance companies
08:23
don’t write windstorm or hurricane
08:25
coverage
08:26
so you got to get that done anyways
08:29
again my name is michael moore the moore
08:30
law firm we’re kind of going through the
08:32
five most common myths
08:33
and we bet back in touch with you guys
08:36
soon to talk about the
08:37
survival bucket and other sorts of
08:40
things
08:41
associated with these claims and if you
08:43
have any questions about your case or or
08:45
your claim um and what to do and how to
08:47
do give us a call
08:49
like i said if you already have a claim
08:51
that’s already been closed
08:53
and you want a free second opinion
08:55
that’s what we do we give free second
08:57
opinions
08:57
and if there’s a case uh there’s no
09:00
charge to you until we win your case
09:02
if you don’t have a case there’s no
09:03
charge to it all so it’s a win-win
09:06
situation
09:06
again this is michael moore at the moore
09:08
law firm um i hope you
09:10
have a nice afternoon our number here is
09:12
erica 956 4 million
09:14
that’s four zero zero zero zero zero
09:16
zero
09:17
have a great tuesday afternoon and talk
09:19
to you soon
09:21
take care
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[Music]
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