Two Houston residents, our clients, recently filed suit against Allstate Vehicle and Property Insurance Company and its adjuster. Their home was seriously damaged in a severe storm that ripped through Harris County, Texas in April 2016. Allstate and its adjuster conducted a substandard and improper inspection of their home, grossly undervaluing the cost of repairs and deliberately yielding an unrealistic amount to underpay coverage.
April 17, 2016 Storm
On April 17, 2016, a severe storm bombarded Houston, pelting our clients’ home with damaging hail. Their property suffered severe damage to the roof and exterior, as well as much of the house’s interior. After the storm, our clients quickly submitted a claim to Allstate, hoping their insurance company would help them get their life back in order.
Allstate Vehicle and Property Insurance Company Home Insurance Claim
Allstate assigned one of its adjusters to inspect the property and adjust the claim. The adjuster knowingly conducted a subpar investigation, refusing full coverage and estimating damages to total about $1,800. After the deductible, this left our clients with no money to repair their home.
The third-party expert hired after the insurance company’s negligent inspection found a litany of damages that were either conveniently absent or undervalued in Allstate’s estimate. For example, the adjuster failed to recognize damage to the roof, but discovered the interior water damage that was caused by the damaged roof.
The damage to our clients’ property is currently estimated at $34,500.
Allstate’s adjuster intentionally undervalued our clients’ claims in order to maintain his job. He misrepresented the amount of damage hoping our client would simply rely on his expertise and fraudulent estimate as a true representation of the property’s damages.
Because of Allstate’s fraud, our clients could not complete any meaningful repairs to their home, resulting in even more damage. Allstate’s inadequacies forced them to retain an attorney to pursue their claim for insurance benefits. On October 19, 2016, the Chad T. Wilson Law Firm filed suit, on behalf of our clients, against Allstate Insurance Company and its adjuster for fraud, breach of contract, negligence, gross negligence and violations of the Texas Insurance Code and the Texas DTPA.
Texas Property Insurance Lawyers
If your homeowner insurance carrier has denied your insurance claim, then we can help. The experienced attorneys at Chad T. Wilson Law Firm have represented more than 1,000 clients in cases against insurance companies. Our property insurance lawyers aggressively protect the rights of insurance policyholders. Our consultations are free, and you owe us nothing until your case is won. Contact us today to see how we can help.