Hail Damage Claims Attorney

At Mostyn Law, our dedicated team of Houston Hail Damage Claims Attorneys, with our extensive experience and understanding of insurance companies’ tactics to minimize payouts, can provide you with the confidence and reassurance you need. We have represented thousands of individuals, families, businesses, and churches in hail damage disputes across the country, fighting relentlessly to ensure they receive full compensation needed to repair their properties. Our experience extends to handling large-scale property damage claims following major weather events, including representing over 20,000 clients after Hurricane Ike, whose insurance claims were unfairly denied, delayed, or underpaid – a testament to our capacity in complex property disputes.

If your home, business, or church has suffered hail damage, and you’re encountering resistance from your insurance company, don’t hesitate to contact Mostyn Law. We offer a free, no-obligation consultation, available 24/7 by phone. This is an opportunity to discuss your hail damage claim and strategize your path to recovery without any financial commitment.

The Unique Challenges of Hail Damage Claims

Hail damage can be particularly tricky to claim because:

• It’s often unseen or underestimated: Small hailstones can create widespread, yet less obvious, damage to roofs, especially asphalt shingles, leading to leaks months or years later.
• Insurers claim “cosmetic damage”: Insurers frequently argue that hail damage is merely cosmetic (e.g., dimples on metal roofs or minor granule loss on shingles) and doesn’t warrant complete replacement, even when it compromises the roof’s integrity or lifespan.
• “Wear and tear” vs. Hail Damage: Insurers may try to attribute damage to pre-existing conditions, age, or normal wear and tear rather than the hail event.
• Complex Estimates: Assessing comprehensive hail damage often requires specialized knowledge beyond a typical adjuster’s quick assessment, leading to lowball offers.

Common Types of Hail Damage We Handle

Our attorneys help property owners with claims involving hail damage to:

• Roofs: Granule loss, bruising, cracking, punctured shingles, damaged flashing, soft spots, and subsequent leaks. This is often the most significant and disputed area of hail damage.
• Siding: Cracks, dents, and punctures on vinyl, aluminum, or stucco siding.
• Windows & Glass: Cracked glass, broken seals, or damaged frames.
• Gutters & Downspouts: Dents, tears, or detachment.
• Fences & Decks: Impacts, cracks, or structural issues.
• Air Conditioning Units & Outdoor Features: Damage to condensing coils, vents, or other exposed components.
• Vehicles: Dents and damage to cars, trucks, and other automobiles (often handled under auto comprehensive, but can relate to property claims if part of a larger loss).

How Insurance Companies Undermine Valid Hail Damage Claims

Regardless of size, insurance companies aim to protect their bottom line. When it comes to hail damage, they often employ tactics similar to those used in other storm damage claims, but with a focus on specific hail-related arguments:

• “Cosmetic-Only” Designations: Arbitrarily deeming damage cosmetic, even when it affects the functionality or lifespan of the roof or property.
• Lowball Valuations: Offering significantly less than the actual cost of repair or replacement.
• Unreasonable Depreciation: Applying excessive depreciation reduces the payout, especially on roofs.
• Partial Denials: Approving only part of the claim (e.g., roof repair vs. complete replacement) despite widespread damage.
• Claiming “Pre-existing” Damage: Blaming damage on prior storms or wear and tear to avoid current liability.
• Delay Tactics: Drawing out the claims process, hoping you’ll become frustrated and accept a smaller offer.
• Requiring Excessive Documentation: Demanding unnecessary or overly detailed paperwork to complicate the claim.

Mostyn Law’s Proven Approach to Your Hail Damage Claim

When facing a stubborn insurance company after hail damage, you need a law firm that understands how to level the playing field. Mostyn Law’s comprehensive approach includes:

• On-Site Attorney Evaluation: We can send our experienced storm damage attorneys to your home or business to conduct a complete evaluation of your interior and exterior damages. We believe in verifying the extent of the damage firsthand.
• Meticulous Documentation: We thoroughly document all damage with pictures, videos, and professional reports. We help you create detailed inventories of damaged contents, including proof of purchase and value.
• Expert Collaboration: We work with a network of trusted independent adjusters, roofing specialists, engineers, and other experts to provide irrefutable evidence of hail damage and its true cost.
• At Mostyn Law, we believe in empowering our clients. We handle all communications with your insurance company, relentlessly negotiating for a fair and comprehensive settlement that covers all your losses. Our aggressive negotiation approach is designed to support you and ensure you receive the compensation you deserve.
• Litigation Preparedness: If negotiations fail, we are fully prepared to file a lawsuit and vigorously represent your interests in court, utilizing Texas’s strong insurance laws to pursue the compensation you’re owed.
• Navigating Texas Insurance Laws: We are experts in the Texas Insurance Code, including the Prompt Payment of Claims Act (Chapter 542), which penalizes insurers for unjustified delays.

Critical Steps to Take After Hail Damage (for Your Claim)

Your actions immediately following a hailstorm can significantly impact the success of your insurance claim:

1. Prioritize Safety: Ensure your family and property are safe. Be wary of damaged power lines or unstable structures.

2. Notify Your Insurer Immediately: Contact your insurance provider as soon as possible to report the hail damage. Get a claim number and the name of your assigned adjuster.

3. Document EVERYTHING Extensively:

• Photos & Videos: Capture clear, well-lit photos and videos of all hail damage to your roof, siding, windows, and any other property before any repairs or cleanup begin. Include wide shots and close-ups.
• Timestamp Everything: If possible, use a camera or phone with a timestamp feature.
• Collect Hailstones: If possible and safe, collect a few hailstones (wear gloves) and place them in a freezer with a ruler for size reference.
• Damaged Contents: If interior damage occurred from leaks, meticulously inventory all damaged contents.
• Keep Receipts: Save all receipts for emergency repairs (e.g., tarps), temporary housing, and mitigation efforts.
• Communication Log: Keep a detailed log of all interactions with your insurance company.

4. Mitigate Further Damage: Take reasonable steps to prevent additional damage (e.g., placing tarps over roof holes, covering broken windows). Keep all receipts for these efforts.

5. DO NOT Discard Damaged Items: Unless your insurer explicitly authorizes it, do not throw away damaged property until it has been inspected by an adjuster and fully documented.

6. Be Cautious with Statements: Avoid giving recorded statements or signing any documents from your insurance company without first consulting an attorney. Do not admit fault or downplay your damages.

7. Contact Mostyn Law Immediately: The sooner you contact an experienced Texas hail damage attorney, the better. We can guide you through the process, protect your rights, and ensure critical deadlines are met.

Why Choose Mostyn Law for Your Houston Hail Damage Claim?

When your property is at risk, you need a legal team with unmatched experience and a fierce dedication to your success.

• Vast Experience with Hail Disputes: We have represented thousands of individuals and families specifically in hail damage disputes, giving us deep insight into common insurer tactics and successful counter-strategies.
• Local Texas Knowledge: As a Houston-based firm, we understand the specific weather patterns and insurance claim landscape unique to Texas.
• Massive Client Representation: Our track record, including representing over 20,000 clients after Hurricane Ike for various property damages, demonstrates our capability to handle large-scale, complex property disputes against major insurance carriers.
• Contingency Fee Basis: You pay nothing upfront. Our fees are only paid if we successfully recover compensation for you.
• Aggressive & Client-Focused: We combine relentless advocacy with compassionate client service, ensuring your needs are met while we fight for your rights.

Client Testimonials

“When somebody else can fight for you, it means everything. We can’t thank the Mostyn Law firm enough.” – Client, Hurricane Insurance Claim Case

“Great people here and very driven to serve! I had an issue with my case, a legal formality, so I went to Mostyn to see what could be done and they were not only super prompt in their response but were able to resolve my issue the same day! My case was closed days later, as opposed to the months it would’ve been pending had I not made that phone call. They made me feel like my case was their most important and top priority, even though I know it was low level compared to other clients. Couldn’t have asked for a better result or better service. Thank you, Mostyn Law!” – Joseph Badger

Contact a Leading Houston Hail Damage Claims Attorney Today

Don’t let your insurance company undervalue or deny your legitimate hail damage claim. You’ve paid your premiums, and you deserve fair compensation to fully restore your property. The experienced Houston Hail Damage Claims Attorneys at Mostyn Law are ready to stand by your side and fight for the justice and full financial recovery you are owed.

Your initial consultation is completely free and confidential. Let us evaluate your claim, explain your rights under Texas law, and outline a strategic plan to get your property repaired and your life back on track.

Call Mostyn Law today at (713) 714-0000. Our phone lines are available 24/7 to discuss your hail damage claim. Or, fill out our convenient online contact form to schedule your free consultation.

Mostyn Law – Main Office

3810 W. Alabama Street
Houston, Texas 77027
Phone: (713) 714-0000
Fax: (713) 714-1111
Office Hours: 7:00 AM to 7:00 PM
Monday to Friday
Phone calls are available 24/7