Roof damage is common after hailstorms and other severe weather events in Texas. In fact, in 2018, the most common type of insurance claim filed in Texas was for roof damage. Additionally, a study by the Federal Emergency Management Agency (FEMA) found that roof damage accounted for 40% of all residential building damage caused by Hurricane Harvey in 2017.
Not all roof damage is visible to the naked eye, and some damage may not become apparent until weeks or months after a storm. That's why it's crucial to have a professional inspection done as soon as possible after a storm to identify any potential damage and file an insurance claim in a timely manner.
When a severe storm hits Texas, the damage to homes and properties can be devastating, particularly to roofs. If your property has suffered roof damage after a storm, it's crucial to take the right steps to recover compensation from your insurance company. Insurance policies can be complicated, and insurance companies may try to underpay or deny your claim, leaving you with costly repairs to pay for out of pocket. This is where a property insurance lawyer can help. They can help you navigate the legal process and fight for your rights, ensuring you receive fair compensation for your roof damage claim.
Common Causes of Roof Damage After A Storm
Roof damage after a storm is a common issue for homeowners in Texas. The roof is the first line of defense for any property against the elements, so it's important to understand what causes roof damage in the first place.
Hail is one of the most common causes of roof damage, as it can cause dents, cracks, and holes in the roofing material. Strong winds can also cause damage by lifting or tearing off shingles or other roofing materials. Additionally, fallen trees or debris can cause serious damage to a roof during a storm. Homeowners need to be aware of these common causes of roof damage so they can take preventative measures and file a claim with their insurance company if necessary.
How to Assess Roof Damage After A Storm
After a storm, it is essential to assess your roof for any damage that may have occurred. Here are some steps you can take to assess roof damage:
1. Check for visible damage: Start by visually inspecting your roof for any visible signs of damage, such as missing or damaged shingles, dented vents, or cracked flashing.
2. Inspect your attic: Go into your attic and look for any signs of water damage or light coming in through the roof.
3. Use binoculars: If it is not safe to climb onto your roof, use binoculars to get a closer look at any potential damage.
4. Call a professional: If you are unsure how to assess your roof or see any significant damage, it is best to call a professional roofing contractor to perform a thorough inspection.
It's important to remember that even if you don't see any visible damage, your roof may have still been impacted by the storm. It's better to be safe than sorry and have a professional check it out.
The Legal Process for Pursuing A Roof Damage Claim in Texas
If you encounter any issues during the roof damage claims process, such as a denied or underpaid claim, you may need to pursue legal action to recover the compensation you deserve. A property insurance attorney can help you with the following:
- File a lawsuit against your insurance company with the help of a property insurance lawyer.
- Gather evidence, including photographs, video, and expert opinions, to support your claim.
- Go through the discovery process, where each side exchanges evidence and information.
- Negotiate with the insurance company to reach a settlement before the case goes to trial.
- If a settlement cannot be reached, your property insurance lawyer will take your case to trial, where a judge or jury will decide the outcome.
While the legal process for pursuing compensation for a roof damage claim in Texas can be complex, an experienced property insurance lawyer can guide you through the process and help you achieve a favorable outcome.
Maximize Your Compensation for Roof Damage Claims in Texas.
Recovering the maximum compensation for your roof damage claim after a storm in Texas can be challenging, especially if you're dealing with a denied or underpaid claim. Our property insurance lawyers can help you recover the compensation you deserve by providing legal representation and guidance throughout the claims process.
We can negotiate with your insurance company to ensure you receive a fair settlement or take your case to trial if necessary. Additionally, we can help you gather evidence to support your claim, such as photographs, videos, and expert opinions. Working with our property insurance lawyers can improve your chances of recovering the maximum compensation for your storm damage claim in Texas.
Our Firms Success: Client Testimony
As a business owner, I was devastated when my property suffered significant damage from a storm and forced us to close for six months. After the insurance company underpaid our claim, we contacted The Cedrick D. Forrest Law Firm for help. The attorneys were professional, understanding, and knowledgeable from the first consultation. They worked tirelessly to investigate the situation and discovered that the insurance company had used bad faith practices to underpay our claim.
The Cedrick D. Forrest Law Firm team fought hard for us, negotiating a $129,000 settlement that allowed us to fully repair our property and compensate for the business expenses incurred during the closure. Their expertise and support throughout the entire process were invaluable. We couldn't have done it without them.
If you're dealing with an underpaid or denied insurance claim, we highly recommend The Cedrick D. Forrest Law Firm. They truly care about their clients and will fight to get you the fair compensation you deserve. Thank you again to everyone at the firm for all your hard work and dedication.
Working with The Cedrick D. Forrest Law Firm
At The Cedrick D. Forrest Law Firm, we are dedicated to helping property owners recover fair compensation for their roof damage claims following a storm. Our experienced attorneys have a deep understanding of Texas property insurance law. They can guide you through the process of filing a claim, negotiating with insurance companies, and, if necessary, pursuing legal action to ensure that you receive the compensation you deserve.
We understand the frustration and stress that comes with dealing with insurance companies, and we're here to take that burden off your shoulders. If you've suffered property damage due to a storm, don't hesitate to contact us to schedule a free claim review or consultation. Complete the form below, and let us help you get the justice you deserve.
Frequently Asked Questions About Roof Damage After a Storm in Texas:
What should I do if I suspect my roof was damaged after a storm?
If you suspect that your roof has been damaged after a storm, it's important to have it inspected by a professional roofing contractor. They can assess the damage and provide an estimate for repairs or replacement.
Will my insurance company cover the cost of roof repairs or replacement after a storm?
Most homeowner's insurance policies in Texas cover damage caused by storms, including damage to your roof. However, the amount of coverage may vary depending on your policy and the extent of the damage.
How long do I have to file a claim with my insurance company for roof damage after a storm?
Most insurance companies require you to file a claim within a specific timeframe after the damage occurs. This is typically within a few days to a week after the storm. You should review your policy or contact your insurer to verify the timeframe.
How can a property insurance lawyer help me with my roof damage claim?
A property insurance lawyer can help you understand your policy and legal rights, negotiate with your insurance company on your behalf, and appeal any denied or underpaid claims. They can also provide guidance and support throughout the claims process and help you recover fair compensation for your damages.