Storm Damage Claims

Texas is a state of extremes; few things are as devastating as a catastrophic storm. Property owners across Houston and the entire Gulf Coast face immense risk from the relentless winds of hurricanes and tornadoes to the destructive force of hailstorms, flash floods, and severe winter events. When your home or business suffers storm damage, you turn to your insurance company for the security you paid for. However, insurers often prioritize their profits over your recovery, unjustly denying, delaying, or underpaying valid claims.

At Mostyn Law, our dedicated Houston Storm Damage Claims Attorneys team, with our extensive experience and successful track record, has represented over 20,000 individuals, businesses, and churches nationwide who have suffered losses from catastrophic weather events. As a Houston-based firm, we are intimately familiar with the unique challenges posed by Texas’s volatile weather, from the lingering effects of Hurricane Harvey to the widespread damage from the 2021 Texas Freeze and ongoing severe weather patterns. We know firsthand the immense stress and financial burden of rebuilding after a storm.

If your storm damage insurance claim has been denied, delayed, or underpaid, or you’re struggling to receive a fair settlement for your hurricane, tornado, hail, or wind damage, remember that we offer a free, no-obligation consultation at Mostyn Law. We are available 24/7 by phone to provide immediate guidance and fight for the full compensation you deserve. Your initial consultation is not just a service; it’s a testament to our commitment to helping you.

Why Texas Property Owners Need Specialized Storm Damage Expertise

Given Texas’s vulnerability to severe weather, property owners frequently face complex insurance claims. Navigating these claims requires more than just understanding your policy; it demands specialized knowledge of insurance company tactics and Texas-specific laws.

Insurance companies, even those you’ve paid faithfully for years, are businesses with a bottom line. They may employ various strategies to minimize payouts on legitimate storm damage claims:

• Unreasonable Delays: Prolonging the claim process, hoping you’ll give up or accept a low offer out of desperation.
• Denial Without Proper Investigation: Rejecting a claim based on a superficial review or without a thorough, fair assessment of the damage.
• Underpayment / “Lowball” Offers: Offering a settlement significantly less than the actual cost of repairs, hoping you’ll accept due to financial pressure.
• Disputes Over Causation: Arguing that the damage was pre-existing, caused by wear and tear, or due to an uncovered peril (e.g., wind damage vs. flood damage, despite intertwining effects).
• Misinterpretation of Policy Language: Misleadingly interpreting exclusions or limitations within your insurance policy to deny coverage.
• Demanding Excessive Documentation: Burdensome requests for paperwork are designed to overwhelm and delay the claimant.

Types of Storm Damage Claims We Handle

Our attorneys have extensive experience in all types of storm damage claims impacting residential and commercial properties in Texas, including those arising from:

• Hurricanes & Tropical Storms: Wind damage, torrential rain, storm surge, and resulting structural and interior damage.
• Tornadoes: Catastrophic destruction from high-velocity winds.
• Hailstorms: Damage to roofs, siding, windows, vehicles, and other exterior property.
• Wind Damage: From straight-line winds, gusts, or microbursts, impacting roofs, fences, trees, and structures.
• Winter Storms & Freezes: Burst pipes, roof collapses from ice/snow load, and other damage from extreme cold, such as during the 2021 Texas Freeze.
• Floods: While distinct, flood damage often occurs with other storm perils. (See our dedicated [Texas Flood Claim Attorney page] for more in-depth information on flood insurance disputes.)

Mostyn Law’s Proven Approach to Your Storm Damage Claim

We understand that you’re not just dealing with property damage but immense disruption and uncertainty. Mostyn Law’s comprehensive approach is designed to shoulder the legal burden, allowing you to focus on rebuilding:

• On-Site Attorney Evaluation: Unlike many firms, our team of expert storm damage attorneys can complete an on-site evaluation of your interior and exterior damages. We believe in seeing the damage firsthand.
• Thorough Documentation & Evidence Gathering: We meticulously document all damage with pictures, videos, drone footage (where applicable), and detailed inventories. We work with independent adjusters, engineers, and contractors to secure expert reports to substantiate your claim.
• Policy Review & Coverage Interpretation: We will carefully review your insurance policy to ensure you fully understand your entitlements, including structural damage, contents coverage, additional living expenses (ALE), and recoverable depreciation.
• Aggressive Negotiation & Advocacy: We handle all communications with your insurance company and relentlessly negotiate for a fair and comprehensive settlement. Our team’s dedication to your case will make you feel supported and empowered during this challenging time.
• Litigation Readiness: If your insurer refuses to offer a fair settlement, we are fully prepared to file a lawsuit and vigorously represent your interests in court, leveraging Texas’s robust insurance bad faith laws.
• Navigating Texas Insurance Code: We utilize laws like the Texas Prompt Payment of Claims Act (Texas Insurance Code Chapter 542) to expedite your claim and seek penalties against insurers for unreasonable delays.

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

Your actions immediately after a storm can significantly impact your insurance claim.

1. Prioritize Safety

Ensure your family and property are safe. Do not enter damaged structures if they are unsafe. Contact emergency services if necessary.

2. Notify Your Insurer Immediately

Report the damage to your insurance provider immediately. Obtain a claim number and the name of your assigned adjuster.

3. Document EVERYTHING Extensively:

• Photos & Videos: Capture clear photos and videos of all damage before any cleanup or repairs begin. Show the high-water mark (if applicable), roof damage, broken windows, damaged interiors, and personal belongings.
• Itemized Inventory: Create a detailed list of all damaged contents, noting purchase dates, estimated value, and replacement costs.
• Receipts: Keep receipts for all emergency repairs (tarps, boarding up), temporary housing, and mitigation efforts to prevent further damage.
• Communication Log: Maintain a detailed log of every conversation with your insurance company, noting dates, times, representatives’ names, and what was discussed.

4. Mitigate Further Damage

Take reasonable steps to prevent additional damage (e.g., tarping a damaged roof, drying out wet areas, boarding up windows). Keep all receipts for these actions.

5. DO NOT Discard Damaged Items:

Unless instructed by your insurer, do not throw away damaged items until they have been inspected by an adjuster and thoroughly documented.

6. Be Cautious with Statements:

Avoid giving recorded statements or signing any documents from your insurance company without consulting an attorney. Do not admit fault or downplay your damages.

7. Contact Mostyn Law IMMEDIATELY:

The sooner you contact an experienced Texas storm 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 Storm Damage Claim?

When your home or business is at risk, you need a firm with proven results and a deep understanding of local challenges.

• Unrivaled Texas Experience: As a Houston-based firm, we have been on the ground for every major storm impacting our state, from Hurricane Harvey to the 2021 Winter Storm. We understand the unique challenges faced by Texans.
• Massive Client Representation: We have successfully represented over 20,000 clients in storm damage cases, demonstrating our capacity and success in high-volume, complex claims.
• No Upfront Fees – Contingency Basis: We work on a contingency fee. You pay absolutely nothing out-of-pocket and owe us no attorney fees or litigation costs unless we successfully resolve your case.
• Aggressive Advocacy: We relentlessly hold insurance companies accountable for their contractual and legal obligations.
• Your Trusted Advisor: We provide clear, consistent communication and compassionate support throughout the claims process.

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, unlike 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 Storm Damage Claims Attorney Today

Don’t let your insurance company add insult to injury after a devastating storm. You deserve fair compensation to rebuild your life. The experienced Houston Storm Damage Claims Attorneys at Mostyn Law are here to fight for your rights and secure the justice and full financial recovery you are owed.

Your initial consultation is entirely 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 storm damage claim. You can also 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