Wind Damage Insurance Claim Attorney
High winds from storms, tropical systems, and severe weather events cause serious structural damage across South Texas. If your insurer denied or underpaid your wind damage claim, you have options.
No out-of-pocket fees unless recovery is made. Se Habla Español.
How We Help
Challenging Denied and Underpaid Wind Damage Claims
Wind damage claims are among the most frequently disputed in South Texas. Insurers often attempt to separate wind damage from other storm-related damage, apply high wind deductibles, or attribute structural damage to pre-existing conditions or poor construction — even when a storm clearly caused the harm.
Wind damage can affect roofing, siding, windows, doors, fencing, outbuildings, and structural components. Damage isn't always immediately visible, and adjusters may miss or minimize significant losses. When the insurer's estimate doesn't reflect what it actually costs to repair your property, you may be entitled to more.
We review wind damage claims for South Texas homeowners and business owners — examining your policy, the adjuster's findings, and your contractor's estimate to identify where the insurance company fell short.
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.
Pre-Existing Condition Defense
Attributing wind damage to prior damage, poor construction, or deferred maintenance.
Wind vs. Flood Separation
Attempting to separate wind damage from water intrusion to limit coverage under the wind policy.
High Wind Deductibles
Applying named storm or wind deductibles that significantly reduce the net payment.
Missed Structural Damage
Overlooking damage to structural components, windows, doors, or outbuildings.
Low Estimates
Issuing adjuster estimates that don't reflect current material and labor costs in South Texas.
Delayed Inspections
Delaying the inspection process, sometimes until additional weather events complicate the claim.
Our Review Process
What We Look for in Your Claim
FAQ
Common Questions
What is a wind/hurricane deductible and how does it affect my claim?
Many Texas homeowners policies include a separate wind or named storm deductible that is higher than the standard deductible — often expressed as a percentage of your home's insured value. This can significantly reduce the net payment on your claim. We can review whether the deductible was properly applied and whether the underlying claim was correctly valued.
The insurer says my damage is from a pre-existing condition, not the storm. What can I do?
Pre-existing condition defenses are common and frequently overstated. If a storm caused or contributed to the damage, you may still have a valid claim. We can review the adjuster's findings, your contractor's assessment, and your policy to determine whether the pre-existing condition defense was properly applied.
Can I dispute a wind damage claim that was already partially paid?
In many cases, yes. Accepting a partial payment does not necessarily waive your right to additional compensation, especially if you haven't signed a full release. Contact us before signing anything.
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.