Property Owners Need to Know
In late March 2025, the Rio Grande Valley was hit by one of the most intense and historic weather events in recent memory, since 1911 according to some sources. Over the course of just a few days, parts of South Texas — including McAllen, Harlingen, Weslaco, and surrounding communities — experienced between 18 to 21 inches of rainfall, and high winds causing widespread flash flooding, structural damage, and triggering multiple emergency alerts from the National Weather Service.
While the immediate threat has passed, many homeowners and business owners are now beginning the process of assessing the damage. Unfortunately, not all storm damage is obvious — and worse, not all insurance companies will be eager to pay what is truly owed. That’s why knowing your rights and having experienced legal guidance is more important now than ever before.
Wind and Hail Damage: What to Look For
Although flooding dominated the headlines, storms of this magnitude are often accompanied by wind and hail damage as well — which can be devastating to roofs, windows, siding, and interior structures.
Here’s what to look for as you assess your property:
- Roof: Look for lifted or missing shingles, visible hail impacts, broken tiles, or leaks in your attic or ceiling.
- Windows: Check for cracks, broken seals, and water leaks around window frames.
- Siding and Stucco: Look for dents, cracks, or chips caused by hail or flying debris.
- HVAC and Outdoor Units: Check for dents, damage to fins, or non-working systems after the storm.
Even if your home or commercial property looks fine from the outside, hidden damage could cause serious problems later — both structurally and financially. That’s why it’s crucial to act early and deliberately.
Steps to Take If You Find Damage
If you’re a property owner in South Texas, here are the steps you should take immediately after discovering potential storm damage:
- Document Everything – Take clear photos and videos of all visible damage. This includes both wide shots and close-ups. Also, keep receipts for any temporary repairs or emergency expenses.
- Call Your Insurance Company – Promptly file a claim. Report every type of damage you’ve found and request an inspection.
- Make Your Property Available – Cooperate fully with your insurance company. Allow their adjusters to inspect the property and make it accessible for any evaluations they request.
- Keep Good Records – Note the date and time of all communications with the insurance company, keep a log of who you spoke with, and save copies of any emails or letters.
- Don’t Settle Too Quickly – If the insurance company makes an offer, don’t feel pressured to accept it right away, especially if it seems low or incomplete.
How the Moore Law Firm Can Help: Claim Double Check
At Moore Law Firm, we’ve proudly represented South Texas families and businesses for over 30 years in first-party insurance claim disputes — that means we fight for property owners when insurance companies deny, delay, or underpay claims.
That’s why, after a storm of this size and scale, we’re offering a free service called the Claim Double Check to help our community.
Here’s what we do:
- Review Your Claim for Free – Our legal team will analyze your claim, including documents, photos, reports, and the insurance company’s offer or denial.
- Send an Expert Inspector to Your Property – We work with licensed inspectors who will personally assess the damage to make sure nothing is missed.
- Give You a Real Answer – We’ll tell you honestly whether your claim is being paid fairly, or if you’re being shortchanged.
There’s no fee unless we recover money for you. And if we take your case, we’ll fight to recover:
- The full value of your claim
- Statutory penalties under the Texas Insurance Code (currently over 13% per year for delays or underpayments)
- Attorney’s fees, so that you don’t pay out of pocket
You Paid for Coverage. Make Sure You’re Getting What You’re Owed.
Your insurance company has adjusters, attorneys, and experts working to limit what they pay.
You deserve the same level of support on your side.
At Moore Law Firm, we know the tactics insurers use to delay or reduce payouts — and we’ve successfully recovered millions for our clients across South Texas. Don’t wait until it’s too late. Even if you’ve already received a payment or denial, let us take a look before you settle.
Get your free Claim Double Check today.
Visit www.moore-firm.com or call us now (956-400-0000) to speak with someone from our team.
Moore Law Firm
Protecting South Texas Homeowners Since 1991
No fee unless we win. Your storm claim is too important to go unchecked.