Houston Hail Damage Insurance Claim Lawyer

What We Handle

Case Types We Fight

Roof Damage Claims

Hail impacts reduce shingle functional life. We engage independent roofing experts to document full replacement scope.

Siding, Windows & Gutters

Insurers write estimates for cosmetic-only repairs. We establish functional damage and the right to complete replacement.

HVAC & Solar Panel Damage

High-value exterior equipment frequently excluded from adjuster estimates. We include all covered structures.

Underpaid Estimates

Adjuster estimates using below-market pricing or excessive depreciation. We challenge every line.

Wrongful Denials

Denied claims based on alleged exclusions or questionable causation. We cross-reference against policy language.

Commercial Property Hail Claims

Multi-structure commercial properties with significant hail damage exposure.

What You Can Recover

Full cost to repair or replace the roof and all damaged structures
Underpaid amounts plus statutory interest
Attorney's fees from the insurer under Texas Insurance Code § 542A
Statutory penalties for bad faith claims handling
Additional living expenses during covered repairs

Recent Recovery

$285,000

Hail Damage — Residential Property / Wrongful Denial

Homeowner's hail damage claim was denied based on a 'cosmetic only' determination. CDF Law retained a roofing engineer who documented functional damage. Settlement included full replacement cost plus attorney's fees.

Past results do not guarantee similar outcomes in future cases.

Frequently Asked Questions

Common Questions About Your Case

What do I do immediately after a hailstorm? +

Document everything before any repairs — photos and video of all visible damage. Keep contractor estimates. Do not accept the first adjuster inspection as final, and do not sign any documents until you understand your rights.

Can I still file a claim years after the hailstorm? +

Texas Insurance Code § 542A.003 requires suits against insurers to be filed no later than two years from the claim denial or closing date. If you believe your hail claim was underpaid, contact CDF Law immediately.

What is actual cash value vs. replacement cost value? +

ACV is replacement cost minus depreciation. RCV pays the full cost of repairs without depreciation deductions. Many disputes involve the insurer over-depreciating materials. CDF Law disputes improper depreciation calculations.

The adjuster says the damage is cosmetic — what does that mean? +

Texas insurers frequently argue hail damage is 'cosmetic only' and not covered. Whether damage is truly cosmetic or functional is a fact question. CDF Law engages independent roofing experts to challenge cosmetic damage classifications.

What is SB 1628 / HB 1774 and how does it affect my hail claim? +

Texas HB 1774 (2017) modified insurance bad faith laws for property damage claims, requiring pre-suit notice and adjusting the interest and fee calculation methodology. CDF Law navigates all Chapter 542A requirements to maximize your recovery.