Texas 
Wind Damage Lawyer

The compensation you receive for wind damage depends on your policy terms and coverage type. You may be entitled to either actual cash value (ACV) or replacement cost value (RCV) for damaged property. ACV accounts for depreciation, while RCV covers the full cost to repair without depreciation being accounted for. Policies may also include additional living expenses or temporary housing costs if wind damage makes it difficult to live in your home. From structural damage to lost personal property, you may be owed full compensation.

Both fire damage and hail damage are typically covered under standard homeowners insurance policies in Texas. These types of damage often accompany wind damage during major storms, such as thunderstorms that produce strong winds, lightning, and hail that dents siding and breaks windows. In such cases, wind and hail damage, as well as fire damage, should all be covered under your policy. It’s important to document each type of storm damage to ensure your insurance adjuster accounts for all losses.

Millin & Millin Attorneys work on a contingency fee basis for wind damage and bad faith claims, so you pay nothing unless we recover compensation for you. Under this arrangement, our fees are a percentage of the settlement or judgment. We also offer a free consultation to review your insurance policy, evaluate the handling of your claim, and explain your legal options. Texas residents can count on Millin & Millin Attorneys to old insurers accountable for unfair claim denials and delays. Getting help from a capable attorney can make all the difference in your case.

Wind damage coverage may have specific limits or exclusions depending on your policy. For winds that lead to flooding, the damage may only be covered under a separate flood insurance policy. Insurers sometimes also deny claims by attributing damage to age, normal wear and tear, faulty maintenance, or preexisting issues rather than a wind event. In these cases, having a professional assessment from a public adjuster can provide clear evidence of wind damage and help support your claim.

In addition to limits on coverage, your claim may also face an insurance company’s denial if you fail to pay insurance premiums, fail to file within policy time limits, or commit fraud in your claim to your insurance provider.