Chad T. Wilson – Resources
January 15, 2024
Updated: January 15, 2024 09:20 a.m.
Source: https://cwilsonlaw.com

• In frigid weather, set your home’s thermostat above 55 degrees.
• Pour cold water into the faucet that is furthest away from your main valve. Water in motion prevents pipes from freezing.
• Find emergency shut-off valves.
• In locations without heat, insulate pipes.
• To warm the pipes, open the cabinets and vanities.
• Shut off the internal water supply valves.
• Open the outside spigots to allow to drain water out.
• Keep the outside valve open to allow any leftover water in the pipe to expand without rupturing.
• Turn off the water at outside spigots and remove all water from the line when freezing weather is predicted.

Water utilities are responsible for water mains and pipe lines that connect to your home, but not pipes located on your property. If a pipe bursts on your property, call a plumber immediately for repairs. Help protect your pipes from potential damage and avoid costly repairs by following these steps.

Here are some tips to help avoid frozen pipelines in the future:

How can you Prevent Your Pipes From Freezing During a Winter Storm in the future?

What to do if your pipes freeze during a winter storm: 2024 Update

Weather Service Report Links Roof Damage to Hailstorm That Insurance Company Claims Never Happened

Paying a high premium on an insurance policy can be a burden most people are familiar with. At some point in everyone’s life, you will need insurance. Whether that’s to pilot a boat, drive a car, or own a home, insurance is meant to financially compensate the policyholder if their property is lost, damaged, or stolen. Insurance companies make their bread and butter off their policyholders and in turn, those policyholders expect a reasonable investigation and fair compensation when they are required to file a claim because their property is damaged or made unusable.

On the night of April 18th, 2020, Montgomery County experienced a powerful wind and hail storm that blanketed the area in 1.2-inch size hail and wind gusts powerful enough to knock down several trees and powerlines throughout the county. Our client’s home endured the storm that evening. The hail damaged portions of our client’s roof and a storage building. The damage to the roof was severe enough that water had penetrated the roof and made its way inside through the ceiling of a utility room near the rear of the home. The hail also damaged gutters and drainage downspouts on the home.

Due to some unforeseen circumstances, some time passed before the claim was reported in March 2021. The insurance company received the claim—as it would any other—and began investigating the incident. As it would turn out, our client had canceled his policy with the insurance company in December 2020, prior to reporting the claim. The policy was canceled because our client ended up going with a different insurance company.

After its investigation, the insurance company denied our client’s claim. The alleged late reporting of the claim and the fact that the client had canceled his policy prior to reporting the claim likely factored into the insurance company’s decision.

Once the case came into our hands, we filed a lawsuit and pressed the insurance company immediately during discovery. During that process, we learned that the insurance company was using a third-party weather data source to pull aggregated data, which showed that the most recent date for sizable hail at our client’s home was 1-inch or larger hail which fell on September 19th, 2019. It seemed clear that the adjuster for the insurance company did not look at any other weather data. As a result of the tunnel vision that this report created, the insurance company then used this date as the actual date of loss.

Conveniently for the insurance company, there was a provision in the insurance policy stating that if the property damage is reported one year or 365 days after the date of loss, the insurance company can deny the claim.

In other words, with this claim the insurance company used favorable weather data from its preferred third-party vendor—apparently without checking other sources—as an excuse to move the date of loss to an earlier date. It then retroactively relied on the late reporting provision in the policy to deny the claim.

Our own investigation into the claim using other weather data sources—including the Severe Weather Data Inventory database provided by the National Oceanic and Atmospheric Association, or NOAA—uncovered severe hail in the immediate area of our client’s home on April 18, 2020. This date was within the policy period prior to cancellation and within one year of when the claim was reported, meaning that the late reporting provision did not apply.

When confronted with conflicting data, the insurance company initially stood its ground, believing its weather data as gospel. But our negotiating position had been improved and we were able to steer the case into mediation quickly. In mediation, we were able to get the insurance company to agree to a settlement that was favorable for our client and would allow him to complete the repairs to his home.

We are proud to say this case ended in a good recovery for our client and righted a wrong by the insurance company.

Many disputed wind and hail claims depend heavily on documenting and proving that severe weather impacted an insured’s property on a particular date. Insurance companies will use their own preferred third-party vendors to obtain data as part of their investigation, sometimes even consulting multiple services but only providing the insured with the data that supports the insurance company’s position. Our firm is very familiar with this tactic and frequently resolves cases where these issues are involved.

FREE CASE REVIEW

If your home or business was damaged by a wind or hailstorm and your insurance claim has been denied, delayed, or underpaid, call the expert property litigation attorneys at the Chad T. Wilson Law Firm today. Maximize your settlement and make the insurance company pay.

Cosmetic Damage Exclusions & Property Litigation

Recently proposed property exclusions have created intense debates among agents, adjusters, insurers and insureds. As chaotic weather conditions across the country continue to rise, these exclusions claim to focus on the type of roof damage in an effort to circumvent coverage.  Essentially, what the insurer deems as “cosmetic damage” is excluded from coverage when/if the insurers choose to use this type of endorsement.

That’s where our client, BCD (a family partnership) needed our help. On June 6th, 2018 an intense hailstorm produced wind gusts over 59 miles per hour with massive hail, ultimately destroying windshields, skylights, roofs and other exterior structures on numerous homes and businesses throughout the Dallas area.

The following day, roof leaks began to appear causing water to visibly enter 3 of the 6 commercial properties BCD owns. The businesses impacted by the leaks reached out to their landlord, who promptly filed an insurance claim with Covington Insurance.

After filing the insurance claim with their provider, the insurer sent out an adjuster who reviewed the claim for roof leaks and cited “no damage” to any of the properties. When our clients rebuked the adjuster’s findings, the insurer sent a second adjuster who this time claimed the damage was minimal and fell under the deductible but for only one of the properties. Now befuddled and irritated with their insurance company’s confusing findings, BCD hired their own public adjuster. The insurer responded by sending out an engineer who did recognize the roof damage however he now claimed the damage was merely “cosmetic” in nature.

BCD and their public adjuster recognized what Covington was up to and promptly filed suit. Covington Insurance moved the case to Federal court where both parties were ordered to participate in an early mediation. At mediation, the case settled for more than 200 times the original under-deductible estimate written by Covington. Not only was our client delighted, but the public adjuster who they hired attended mediation and was also relieved to see the insured be fully indemnified. Now our client’s tenants could go back to running their businesses without the constant threat of interior leaks and roof damage disrupting their business operations.

A cosmetic damage exclusion means damage to external surfaces, including walls, roofs, doors, and windows that allegedly only impact the appearance (but not the functional purpose) may not be covered under the policy. These are things insurers consider ornamental or cosmetic and are usually very vaguely defined so that the insurer can tailor the damage as one being “merely cosmetic” to deny the claim.

Just because you have a cosmetic damage exclusion does not mean you are out of luck with your insurance claim. Our expert insurance litigation attorneys know how insurance companies operate and the tactics they employ to delay, deny, or underpay your property insurance claim. Our consultations are free, and you owe us nothing until we win your case. Contact us today.

Texas Size Hailstorm Crushes Conroe

Hail damage is the number one cause of property damage in the US. In 2019-2020 alone the State of Texas has seen more claims related to hail than most states. Severe property damage occurs when a dangerous storm strikes a highly-populated area with hail larger than an inch or more in diameter. Baseball-sized hail (3.5 inches across) is a common occurrence in the Lone Star State and creates devastation in our communities.

On March 18th, 2018, a major hailstorm blew through Montgomery County, impacting Conroe and the surrounding areas. Our client, an 80-year-old retiree, witnessed extensive hail damage to his roof.  As the original owner of the home, built-in 2006,  our client never imagined that he would have to eventually have to face down a hailstorm-homeowner insurance claim. Relying on his faith as a long-term customer with Safeco insurance (12 + years), he filled a hailstorm insurance claim and to his shock, the claim was denied. At that point he knew, he’d be facing down the insurance company in an effort to cover his losses.

The insurance company sent three different inspectors to review the property damage. Each one ended up blaming the manufacturer of the shingles on the roof, calling the product defective. Ironically, these were the same shingles that had been on the house since it was built. The very same shingles Safeco insured the home with, and routinely collected a premium from our client on. Next, the insurer would deploy extensive stalling and delay tactics to keep from paying our client’s insurance claim. Shortly thereafter, fed up and frustrated, our client hired us to pursue the insurer.

Our team of engineers independently reviewed the property damage and determined the roof damage was not due to defective shingles, but actual storm damage. A series of depositions would cast the case in a new light. With the case set to go to trial and the insurer finally realizing the errors of their ways and the poor treatment of our client and his terminally ill spouse (who passed away during the pendency of the case), the insurance company chose to settle the case. This meant that our client would receive the funds necessary to have a new roof installed on his home.

The Law of Hailstorm Damage Insurance Claims

Homeowners that do not file within the statute of limitations can miss the chance to recover their losses, indefinitely. This timeframe is often two years from the date of the incident, even though a case-by-case or a policy-by-policy analysis of the statute of limitations is required.

Our expert attorneys have seen thousands of cases where insurance companies have delayed, underpaid or simply denied the legitimate claims of the policyholders they insure causing an unfathomable amount of emotional and financial damage. In Texas, this is an illegal practice and insurance companies can be held liable for acting in bad faith. Insurance companies participating in these illegal activities can be sued for up to three times the damages reflected in the insurance claim.

Texas Hail Damage Attorneys 

Has your homeowner’s insurance claim been denied? We can help. Representing thousands of homeowners against big insurance companies, our home insurance claims attorneys aggressively protect the rights of the policyholder. Our consultations are free and you owe us nothing until we win your case. Contact us today.

Homeowner’s Insurance Claim Gets Back On Track

Have you had storm damage and are now struggling with a homeowner’s insurance claim?

Storm damage hits Mineola, Texas, a small community in Wood County about 80 miles east of Dallas. Mineola is a railroad town and can trace its roots back as far as 1873. With a population just under five-thousand, life in this small Texas town tends to move at a slower pace. Some insurance companies prey on these areas. Such was the case for our clients, whose home was savagely beaten by the hailstorm the night of June 19, 2019 when their home was damaged. The homeowner’s insurance claim was initially denied.

We Will Not Be Railroaded

That night hail pounded Wood County, dropping hail the size of golf balls in some areas. The roof damage to our client’s home was so severe that rainwater had penetrated through the damaged portions of the roof and saturated sheetrock and carpeting throughout the home.

After completing a homeowner’s insurance claim with their insurer, our clients’ claim was denied. Refusing to accept a denial as the outcome, our clients’ pleaded with their insurer. The insurance company in turn sent out an engineer to inspect the roof damage. The engineer’s assessment was that the property damage should be covered under the homeowner’s insurance claim, but the amount of the damage was under the deductible.

Insurance Company Has One Track Mind

Knowing that they were in for a hard fight if they wanted any form of recovery, our clients hired us to represent them. The Chad T. Wilson Law Firm sent our clients’ insurer a demand letter that let the insurer know our client’s were serious about their claim. Upon receiving the demand letter, the insurer reversed course and agreed to pay for the roof and interior damage.

Homeowner’s Insurance Claim Gets Approved

From start to finish, this case was resolved in 30 days. There was no need for mediation or court.

Texas Property Insurance Lawyers

Has your homeowner’s or commercial business insurance claim been denied? We can help. Representing thousands of client’s against big insurance companies, our insurance claims attorneys aggressively protect the rights of the policyholder. Our consultations are free, and you owe us nothing until we win your case. Contact us today.