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Dallas Fort Worth Hail

Collin County Slammed Again With Another Hail Storm (Video)

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texashaildamages

April 24, 2017

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Collin County and the Dallas – Fort Worth area can’t seem to catch a break from these hail storms as yet ANOTHER swept through the area Friday night.

Reports from local news outlets and witnesses state that hail in Plano, McKinney, and Richardson reached up to 2.75 inches in diameter, about the size of a baseball. Locals spent Saturday morning cleaning up the debris from broken car and home windows among other various property damage.

Here are a few witness accounts, including Dallas Cowboys star Cole Beasley, that were posted on Twitter Friday night:

The Dallas – Fort Worth area is well on its way of matching last Spring’s historic hail storms that caused north of $1 billion in property damage.

My home has suffered from damage from the April 24th Hail Storm. What should I do now?

  1. File your claim with your insurance carrier.
    1. This is obviously the most important step. Your carrier needs to immediately know that your house has sustained damage from this hail storm. The sooner this is done, the better it is for everyone involved; ultimately it ensures that the damages are legitimate and there is no ambiguity as to what caused your property damage.
  2. Gather all of your insurance documents.
    1. If you need a copy of your policy, you may ask for one by your carrier free of charge.
  3. Take pictures.
    1. Again, to ensure there is no ambiguity as to what caused your property damage, it’s always a good practice to take your own photos of the damages to your home.
  4. Keep records and receipts of any temporary repairs you plan to make.
    1. This is an EXTREMELY important step. Clean up work, temporary repairs, tarps on roofs, debris removal, pool cleaning, etc…. anything you did or purchased, may be used against your deductible or may be reimbursable. Keep a diary with dates, times and notes of all your conversations with your adjuster.
  5. Call Moore Law Firm.
    1. Unfortunately, insurance carriers have a pattern of underpaying and outright denying legitimate hail damage claims. Hiring an experienced hail litigation law firm helps ensure that your claim is treated fairly. At Moore Law Firm, we have navigated the claim process for literally thousands of different clients over the past 25 years. We will use every possible resource to potentially resolve your claim to make the appropriate repairs on your home.

For more information about Moore Law Firm, please visit Moore-Firm.com

Moore Law Firm is a hail damage law firm whose principal office is located in McAllen, TX. J. Michael Moore has been defending the rights of residents all over Texas for over 25 years.

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What To Do After A Hailstorm

1. Get Your Claim Started

Call your insurance agent or company, and get a claim number. Your insurance company needs to know your house has gone through this historic hailstorm.

2. Even If You Don't See Damage

The insurance company must inspect your house. Why? Later on when you sell your house, if the buyer's inspector finds hail damage, you will pay for the repairs not your insurance company. You've paid those premiums for years; don't hesitate to get your claim moving forward.

3. Written Notice

You are required to give proper notice to the carrier about your claim. Written notice is the best practice. If you need a form, please send me an email, and I'll send you a form. My email address is: mmoore@moore-firm.com

4. Repair Records

I can't tell you how important this is. Clean up work, temporary repairs, tarps on roofs, debris removal, pool cleaning, etc.... anything you did or purchased, may be used against your deductible or may be reimbursable. Keep a diary with dates, times and notes of all your conversations with your adjuster.

5. Pictures

Document all your damages. The old saying, a picture is worth a thousand words, is true. A year from now while fighting with your insurance carrier, your memory will have faded. So, pictures of your damages will help you get reimbursed for your loss.

6. Temporary Repairs

Make any necessary repairs so that your property damage doesn't get worse. Put tarps on roofs, boards on windows, and remove broken tree limbs, etc. Take before and after pictures.

7. Make A List Of Your Damages

This will help you get organized and keep track of what you've lost.

8. Insurance Policy

If you can't find it, call your agent, and they will send it to you, free of charge.

9. Inspectors

Only let your insurance adjuster and contractor get on your roof. Each time someone walks on your roof, more damage may likely occur.

10. Second Opinion

After the insurance adjuster gives you their estimate, get a second, unbiased opinion from a licensed contractor. The insurance company may try to save money by undervaluing your claim. Get an independent repair estimate, in a form understood by the insurance industry, so the repairs will be authorized. If you need assistance with finding a qualified, licensed inspector, send me an email or call.

11. Claim Process

Since this storm was declared a "catastrophe," your insurance carrier will have 30 days to accept or reject your claim. Within this period, the insurance carrier may ask for more time, and will send you written notice why it needs this extension. Once your claim has been accepted, the carrier must pay you within 5 business days. You need to promptly respond to any requests for information from your carrier; any hindrance will only delay the carrier's statutory requirement to timely pay you. Claims adjusters will deal with you directly and ... these adjusters are highly trained and skilled negotiators. That "Second Opinion" will give you solid grounds to advocate your position.

The insurance claim process will take time and likely be very frustrating. If you have any other questions or comments, please don't hesitate to call our offices at 956-631-0745.

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