Alabama Residents Sue State Farm

More than 20 homeowners in Dothan, Alabama, are taking legal action against State Farm Fire and Casualty Company, claiming the insurer denied valid property insurance claims after a series of hailstorms earlier this year.
The lawsuit, filed August 5th, is spearheaded by attorney Gantt Pierce, who represents residents from the Grove Park neighborhood and surrounding areas. According to Pierce, the pattern became obvious after repeated denials from State Farm in response to hail damage claims.
“You could ride around Grove Park and pick out who had State Farm insurance, and we knew that when they weren’t getting their roof fixed,” said Pierce. “We came to find out why not.”
What the Lawsuit Alleges
According to the complaint, plaintiffs sustained roof damage from hail between March and June 2025. Many also reported subsequent interior issues like ceiling stains and drywall damage due to delayed repairs. Despite being fully insured under what they believed were comprehensive homeowners policies, their claims were denied with little explanation.
The complaint further states that State Farm’s insurance adjusters and agents misrepresented policy coverage, specifically, that hail damage would be included. These homeowners, some of whom have been with State Farm for over two decades, now find themselves paying out of pocket for roofing and structural repairs they expected would be covered.
Damages in the complaint are estimated between $18,000 and $20,000 per property. In addition to roof damage, many of the homes sustained water damage to personal belongings, insulation, and even HVAC system components.
Insurance Companies and Trust
“When the insurance company doesn’t do what they say they’re going to do, that creates real trust problems,” Pierce said. “We want to hold them accountable for what they promised to do within their insurance agreements—and that’s to take care of families in need.”
In cases like these, the homeowners are seeking more than reimbursement—they’re seeking justice. These types of delays or denials are often referred to as bad faith practices, and can severely disrupt families trying to recover from natural disasters.
Hail Damage and Your Insurance Policy
Hail damage is one of the most common causes of residential roofing claims in storm-prone regions. When an insurance company refuses to approve a legitimate hail claim, it not only leaves homeowners vulnerable—it also risks leading to further issues, such as mold damage, decking deterioration, and compromised roof insulation. The longer the delay in addressing the cause of loss (COL), the more likely homeowners are to experience additional water damage or even foundational leaks.
This case follows a broader trend across the U.S., where policyholders are challenging insurance companies on claim denials related to hail storms, wind damage, and other natural disasters. It also highlights the growing importance of understanding the details in your insurance policy, such as your deductible, coverage limits, and whether you are operating on actual cash value (ACV) or replacement cost value (RCV) terms.
Our Hail Damage Attorneys Fight For You
At the Chad T. Wilson Law Firm, we stand with policyholders who’ve been denied fair treatment. We handle residential and commercial damage claims, working closely with clients, public adjusters, and field adjusters to ensure the insurance company honors its end of the deal.
If your roof damage claim has been delayed, denied, or underpaid, you don’t have to face it alone. Our team is here to fight for you and make sure your insurance company delivers the protection you’ve been paying for.
📞 Contact us today for a free consultation.
Your recovery is our mission.
Practice Areas
The Chad T. Wilson Law Firm represents policyholders in various types of insurance disputes:
Do not lose hope if you have filed an insurance claim and were denied or underpaid. Let the Chad T. Wilson Law Firm get justice for you.