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Your Weekly Insurance Claim Summary: June 5 - 11

Posted on Jun 14, 2016

Thousands Deal With Expensive Double Insurance Deductibles

In this Weekly Insurance Claim Update, we take a look at how double insurance deductibles are hurting thousands of homeowners in north Texas after back-to-back spring hail storms. Damage was so extensive there is now a backlog of claims.

Hail Damage Multiplies

The two storms hit three weeks apart, one in late March and the second on April 11th. The second storm sent softball-sized hail hurling through roofs and windows, damaging many homes a second time. Local television news reports estimated that 80 percent of the town of Wylie's 15,000 homes were damaged. Collin, Rockwall and Denton counties were all affected by the same weather system. Many homeowners had already filed claims for the first storm, but repairs had not yet started before the second round of severe weather.

High Deductibles

According to the Insurance Council of Texas, the March 23 storm created $700 million in damages in Plano, and the April 11th storm caused $300 million in Wylie. The damages are especially challenging for the Texas homeowner who has a policy based on percentage deductibles instead of a by dollar amount. A one percent deductible on a $200,000 house means a $2,000 outlay for the homeowner. These high deductibles are a hardship for some consumers who face a separate deductible for each storm.

A representative from Texas Watch, a citizen advocacy group, recommends that consumers check the language in their policy. Usually it's a requirement that two separate claims each require a deductible. If you are having an issue with your insurance company over hail claims, we can help. Contact us for assistance.

If No Recovery No Fee Guarenteed

The Voss Law Firm, P.C. represents clients on a local, national and international basis. We proudly serve companies and individuals along the Gulf Coast and around the globe on a contingency fee basis. Our law firm collects nothing unless we recover on our client's behalf.

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