Hail Damage Insurance Claim Attorney
South Texas and the Rio Grande Valley are hit by severe hailstorms every year. If your insurer denied, delayed, or underpaid your hail damage claim, you have rights — and we can help you use them.
No out-of-pocket fees unless recovery is made. Se Habla Español.
How We Help
Fighting Underpaid and Denied Hail Damage Claims
Hail can cause significant damage to roofing, siding, gutters, HVAC units, skylights, and more — even when the damage isn't immediately visible from the ground. Insurance adjusters often miss or minimize hail damage, leading to underpaid claims that don't cover what a licensed contractor actually charges to repair your property.
Common insurer responses to hail damage claims include attributing damage to wear and tear, calling damage "cosmetic only," applying high deductibles, or sending an adjuster whose estimate is far below your contractor's. These tactics can leave you holding the bill for damage your policy was supposed to cover.
Michael R. De Leon reviews hail damage claims for South Texas homeowners and business owners. We examine your policy, the adjuster's report, your contractor's estimate, and the insurer's response to identify where the insurance company fell short — and what can be done about it.
Know Your Rights
Common Insurance Company Tactics
Insurance companies use these tactics to reduce or deny valid claims. Knowing what to look for is the first step.
Cosmetic Damage Defense
Insurers often label hail damage as "cosmetic only" to avoid paying for full roof or siding replacement.
Wear & Tear Attribution
Blaming storm damage on age or pre-existing conditions to reduce or deny the claim.
Low Adjuster Estimates
Sending an adjuster whose estimate is significantly below what licensed contractors actually charge.
Missed Damage
Overlooking hail impacts on HVAC units, gutters, skylights, siding, or other components.
High Deductible Application
Applying wind/hail deductibles that dramatically reduce the net payment on your claim.
Delayed Inspection
Delaying the inspection or re-inspection process to run out the clock on your claim.
Our Review Process
What We Look for in Your Claim
FAQ
Common Questions
What if the adjuster said my hail damage is only cosmetic?
A "cosmetic damage" determination can be disputed. Many policies cover cosmetic damage, and what an insurer calls cosmetic may actually affect the function and lifespan of your roof or siding. We can review your policy language and the adjuster's findings to determine whether the cosmetic damage exclusion was properly applied.
Can I get a second inspection after a hail claim?
Yes. You have the right to dispute the insurer's findings and request a re-inspection. In some cases, the appraisal process under your policy may also be available. We can help you understand your options and take the appropriate steps.
My contractor's estimate is much higher than the insurance offer. What can I do?
This is one of the most common situations we see. A significant gap between the insurer's estimate and a licensed contractor's estimate is often a sign that the claim was underpaid. We can review both estimates and your policy to determine whether you're entitled to additional compensation.
How long do I have to dispute a hail damage claim in Texas?
Texas law imposes deadlines on insurance claims and disputes. The specific timeframes depend on your policy and the nature of the dispute. Contact us as soon as possible — the sooner you act, the more options you'll have.
Related Practice Areas
Before You Settle, Know Your Rights.
Get a free claim review from Michael R. De Leon. No out-of-pocket fees unless a recovery is made. Serving all of South Texas and the Rio Grande Valley.
Not sure if you have a case? Start with a free review. Se Habla Español.