Navigating Windstorm Damage

A Guide for Texas Property Owners

Windstorms are a common and often devastating weather event in San Antonio, Dallas and Houston Texas, causing significant damage to homes and commercial properties.?

Understanding the types of windstorm damage, the common causes, and the complexities of dealing with insurance claims is important for homeowners. At Stormlex Law Group we want to provide the guide to help you navigate the aftermath of windstorms and protect your rights.

Understanding the Types of Windstorm Damage

Windstorms can cause a variety of damages, often varying in severity. One of the most frequent types of damage is to roofs. High winds can tear off shingles, exposing the underlayment and potentially leading to leaks. Left unaddressed, these leaks can cause water damage and structural issues within the property.

Windows and doors are also vulnerable during windstorms. Flying debris, such as tree branches or outdoor furniture, can shatter glass, leaving the interior exposed to the elements. This type of damage not only compromises the building's security but also increases the risk of further damage from rain and wind.

Additionally, fallen trees and large branches can cause significant structural damage. Trees can be uprooted or broken by strong winds, resulting in damage to roofs, walls, and even vehicles. This type of damage often requires immediate attention to ensure safety and prevent further issues.

Less obvious but equally important are the effects of wind on exterior fixtures like gutters and downspouts. High winds can loosen these components, leading to potential water damage if they are not functioning correctly.

Common Causes of Windstorm Damage

Several weather phenomena can lead to windstorm damage, each presenting unique challenges. In Texas, hurricanes are a primary cause. These massive storms bring sustained high winds, heavy rain, and sometimes tornadoes, causing widespread damage. While coastal areas are most at risk, hurricanes can impact regions far inland as well.

Tornadoes are another significant cause of windstorm damage. These localized events can produce wind speeds exceeding 300 miles per hour, capable of destroying buildings and infrastructure. The unpredictability and sudden nature of tornadoes make them particularly hazardous.

Texas's geographical location and climate play a significant role in the frequency and severity of windstorms. The state's flat terrain allows winds to gather strength, while warm, moist air from the Gulf of Mexico fuels storm systems.

Navigating Insurance Claims and Understanding Policies

After experiencing windstorm damage, navigating the insurance claims process can be challenging.?

One of the first steps property owners should take is thoroughly documenting all damage. This includes taking detailed notes and photographs immediately after the storm to capture all visible damage. Proper documentation is essential when filing a claim and can be critical in disputing any assessments made by the insurance company.

Understanding the specifics of an insurance policy is equally important. Many policies have clauses that pertain specifically to windstorm damage, which may include higher deductibles or exclusions for certain types of damage, such as flooding caused by wind-driven rain. It's important to read and understand these terms to know what is covered and what is not.

Another common challenge is dealing with "anti-concurrent causation" clauses. These clauses can result in denied coverage if a non-covered event, like flooding, occurs simultaneously with a covered event, such as wind damage. This situation often requires careful review and may lead to disputes with the insurance company.

Insurance companies also use tactics to minimize payouts, such as delaying the claims process or disputing the cause of damage. They might argue that the damage was pre-existing or not covered under the policy's terms. In such cases, maintaining a detailed record of the property's condition before and after the storm can be invaluable in resolving these disputes.

Stormlex Law Group: Seeking Professional Advice

In situations where you face challenges with your insurance claim, understanding the legal aspects of bad faith insurance practices is important. Bad faith occurs when an insurance company fails to fulfill its contractual obligations, such as unjustly denying a claim, delaying payment, or underpaying a claim.

As a Texas property owner, you have legal protections against bad faith practices. However, navigating these legal avenues can be complex. At Stormlex Law Group we are here for you when you seek professional advice to understand your rights and options fully.

We specialize in insurance disputes and can provide valuable assistance in challenging denied claims or negotiating fair settlements. We can help ensure that you receive the compensation you are entitled to under your policy.

Windstorm damage is a significant concern for homeowners, with the potential to cause extensive and costly damage. Being prepared and informed is the best way to navigate these challenges.?

Understanding the types of damage, the causes, and the intricacies of insurance policies can help you protect your rights and recover from the financial impact of windstorms. Additionally, being aware of potential legal issues and knowing when to seek professional advice can make a substantial difference in the outcome of a claim.

Read the full blog post: https://www.stormlex.com/home-insurance-bad-faith-attorney-windstorm-claims/

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