(877) 892-2797

Back To Blog


hail claim denied This past spring, one of our clients had their home damaged by the Dallas hail storm.  He filed a claim with his insurance company and took the steps necessary to prevent any further damage to his house.  Shortly after filing his claim, his insurance company informed him via telephone that they were denying his claim.  His insurance company did not explain the reasoning of their denial.

After receiving a call for help, we hired an independent contractor to inspect the property.  The contractor determined the damages were a result of the hail storm.  Additionally, the contractor provided an estimate of the damages.  We also requested a copy of the adjuster’s inspection report and found it was severely lacking in detail and did not consider various parts of the damage.  We requested, in writing, a copy of the insurance’s denial letter and were informed that no letter existed.

We submitted our contractor’s report and estimate to the insurance company and included a report outlining the deficiencies in the adjuster’s inspection to the insurance company.  Additionally, we included the letter from the insurance company notating that no denial letter existed.  Upon reviewing these documents, the insurance company overturned their decision to deny the claim.  Our client’s claim was paid in full and his attorney’s fees were also paid by the insurance company.

Insurance companies have strict requirements and must inform policy holders in writing of the reason for the denial.  The reasoning must be based on language from the insured’s policy.  Denying a claim over the telephone with no explanation may be a sign of bad faith. Insurance companies who act in bad faith are required to pay the full value of the claim and cover all attorney’s fees.

An insurance claim attorney can help you ensure that your insurance company handles your claim according to their duty of good faith and fair dealing. The attorneys at the Amaro Law Firm have vast experience dealing with insurance companies.  In fact, some of their attorneys worked as insurance company defense lawyers before joining the firm.  Now, they help property owners fight for fair and just treatment.  Our consultations are free.  If we cannot add value to your claim, we will not take your case.  When an insurance company is found to have acted in bad faith, they are required to pay reasonable attorney’s fees.  Therefore, we are only paid if we win.  Contact us for a free claim review.


Pin It on Pinterest