Texas Snow Damage Claims

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Harsh winter storms and weather conditions–even in Texas– have the potential to cause significant property damage for homeowners. An attorney can help make sure that you are receiving proper compensation from your insurance company. 

Download a copy of the “Tips for Dealing with Homeowners Insurance Companies and Agents” checklist here.

Extreme winter events, characterized by ice, snow, and freezing temperatures, can result in widespread harm to entire communities. Consequently, legal disputes may arise when homeowners insurance companies mismanage the surge in property claims. 

If your homeowner’s insurance claim has been denied or undervalued, you may want to seek the assistance of a homeowners insurance attorney. An attorney who is experienced in insurance law can offer valuable guidance in navigating issues related to insurance policies.

The attorneys at the Houston-based law firm, Pierce Skrabanek, are experienced associates who have handled many insurance claims lawsuits. Insurance claims litigation can become complicated quickly so it is always advisable to contact an attorney as soon as possible. Contact our team online or by calling our offices at (832) 690-7000 to learn more about the legal process.

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Filing a Texas Ice Damage Claim

Winter weather can cause a wide range of property damage. Texas, despite being a state with generally mild winters, has been known to experience serious winter weather. 

In 2021, Texas experienced a serious winter weather incident that led to power outages, serious property damages totaling around 80 million dollars, and the deaths of 210 people. The extent of the damage depends on many factors, including the nature of the weather events, and how well the property owner was prepared to meet such conditions. Similar winter weather occurred in 2023. 

Some common forms of winter property damage include: 

  • Frozen and burst water pipes
  • Falling trees and branches 
  • Roof and gutter damage
  • Vehicle damage
  • Heating system breakdowns 

Frozen and burst water pipes are some of the more serious consequences of ice damage. Burst pipes can lead to flooding throughout your home and lead to extensive damage and expensive repairs. Insurance companies may try to deny you coverage by claiming that your policy does not cover flooding. An attorney can help make sure that you are protected against the effects of ice damage. 

After severe winter weather events where many people may have experienced substantial property loss, insurance companies will often receive hundreds or thousands of claims. In such situations, insurance companies are much more likely to make errors or utilize under-trained personnel to handle your claim. An attorney who is experienced in insurance litigation can help make sure that your claim is handled properly from the very beginning of the process. 

If you or a loved one have been affected by winter weather damage and are facing an insurance dispute, you may need the help of a homeowners insurance lawyer. If you have been physically injured during a winter weather incident, you may also benefit from consulting a personal injury attorney. Contact Pierce Skrabanek online or by calling our associates at (832) 690-7000. We can help you handle the insurance claims process and take legal action. 

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Dealing with Texas Property Damage Insurance Companies 

It is also important to remember that insurance companies are businesses that are out to protect their own profits. Homeowners should be prepared for the possibility that insurance agents may attempt to limit the scope of coverage, especially in situations where the cost of claims is a concern for the insurer.

In navigating property damage claims, policyholders should maintain vigilance, carefully review policy documents, and consider seeking legal advice if they encounter challenges with their insurance company. Contacting a lawyer early on in the process can help ensure you receive the full compensation you deserve.

Common responses that insurance companies might make to contradict a claim include:

  • The coverage falls outside of the policy: Insurance companies might claim that the policy doesn’t cover the specific damage. For instance, they may try to argue that water-related damage is excluded from coverage as “flood” damage.
  • Delays/Late Filing: Policies often only cover losses for a specific period after the winter weather event occurs. Claims filed after this time may be delayed or denied. In most areas, this is usually one year after the event. Thus, it’s important to contact an attorney as soon as possible and file promptly.
  • Incomplete Information: Similarly, insurance claims can be denied or delayed if there is missing, incomplete, or inaccurate information.
  • “Multiple Occurrences”: Many policy deductibles are calculated on a “per occurrence” basis. There may be disputes about whether the damage is connected to a single occurrence, or if it involved multiple weather patterns classified as multiple occurrences. The way losses are categorized can drastically affect coverage amounts.

If you need to file a Texas ice damage claim, it is always in your best interest to consult with an experienced attorney. Doing so can help set you up to avoid delays in your claim and can help make sure that your case is filed promptly and follows state regulations. 

Harsh winter storms and weather conditions–even in Texas– have the potential to cause significant property damage for homeowners. An attorney can help make sure that you are receiving proper compensation from your insurance company. 

Extreme winter events, characterized by ice, snow, and freezing temperatures, can result in widespread harm to entire communities. Consequently, legal disputes may arise when homeowners insurance companies mismanage the surge in property claims. 

If your homeowner’s insurance claim has been denied or undervalued, you may want to seek the assistance of a homeowners insurance attorney. An attorney who is experienced in insurance law can offer valuable guidance in navigating issues related to insurance policies.

Your attorney can help make sure you are avoiding insurance fraud and ensure that you are working with a legitimate insurance agent. Your attorney can even help check if they have been disciplined by The Texas Department of Insurance

  • Account for all damaged property: Make a list and take videos and pictures of the damage for proof. DO NOT throw any items away until they have been inspected by the insurance agent.
  • Be present during the inspection: Accompany the inspector during the entire walkthrough. Make sure their observations square up with your own videos and photos.
  • Maintain a list of everyone you speak to from the insurance companies: Always take down the names and contact info of every representative or agent you speak to. Keep a log of the date and time when you speak with them.
  • Record additional living expenses: If you need to stay in a hotel due to the damage, your policy may cover these expenses.
  • Protect your home from additional damage: Turn off the water, and cover up holes in your roof or windows if you can. Save all receipts for any quick repairs you’ve made — your policy will likely cover these costs.

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Thank you Pierce Skrabenek!”

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“Paul Skrabanek of the law firm Pierce Skrabanek was very professional and went above & beyond in handling my daughter's case. Very dedicated, worked diligently, and got justice for my family. If I could give a higher rating than 5 stars I would. Thank you and your firm for such tenacity.”

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Thank you very much Paul and thank your team for me.”

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Contact a Texas Winter Storm Insurance Lawyer 

Hiring an attorney to handle your insurance claim matter may be one of the most important steps in the legal process. If your residence was damaged due to fallen trees or limbs, broken water pipes, or other winter weather damage, contact an attorney as soon as possible to learn about your legal rights and next steps. 

Why Hire Pierce Skrabanek

You may need help filing your initial insurance claim, or you may need help after an insurance company has mismanaged your winter property damage claim — in either situation, our team is here to help. 

The attorneys at Pierce Skrabanek have decades of experience in going up against large institutions and private insurance companies. Our proven track record showcases our ability to obtain the best possible financial awards for our clients.

Contact us online or by calling our Houston-based offices at (832) 690-7000. We are ready to help you take the first steps in the legal process. 

Frequently Asked Questions

Is snow damage covered by insurance?

Whether snow damage is covered by insurance depends on the specific circumstances, the type of insurance coverage you have, and the terms of your policy.

An experienced insurance litigation attorney will be able to help you navigate the complexities of your insurance policy and make sure that you are receiving the benefits that you are entitled to. Contacting an attorney before you file any type of insurance claim can help set your claim up for success from the very beginning.

What should I do after I have experienced property damage due to snow and ice?

First, it is important to make sure that you and your loved ones are safe. You can protect your home from additional damage by turning off the water, and covering up holes in your roof or windows if you can. Save all receipts for any quick repairs you’ve made — your policy will likely cover these costs. Record additional living expenses. If you need to stay in a hotel due to the damage, your policy may cover these expenses.

You can then begin the process of accounting for all damaged property. Make a list and take videos and pictures of the damage for proof. Do not throw any items away until they have been inspected by the insurance agent.

You can help your claim by maintaining a list of everyone you speak to from the insurance companies. Take down the names and contact info of every representative or agent you speak to. Keep a log of the date and time when you speak with them.

An attorney specializing in property damage claims can help policyholders understand their rights, negotiate with the insurance company on their behalf, and take legal action if necessary to ensure fair compensation for their losses. Understanding the dynamics between policyholders and insurance companies is crucial to make informed decisions and protect one's interests during the claims process.

How can a homeowner’s insurance attorney help me?

A homeowner's insurance attorney can provide valuable assistance in various ways, particularly if you are dealing with issues related to property damage, claim denials, or disputes with your insurance company.

Working with a homeowner's insurance attorney is particularly beneficial when dealing with complex claims or when facing challenges with your insurance company. They have the legal knowledge and experience to navigate the complexities of insurance law and ensure that you receive the maximum compensation to which you are entitled.

When should I contact a Texas winter storm insurance lawyer?

If you have experienced property damage or other issues related to the Texas winter storms and are considering filing an insurance claim, you should contact an experienced insurance litigation attorney as soon as possible.

The legal process can be complex, and having legal representation early on can help ensure that your rights are protected and that you are following the appropriate procedures to maximize your chances of a successful resolution. Your attorney can help you understand insurance policies, paperwork, and court documents so that you can avoid disputes or issues before they occur.

Contact the Texas winter storm insurance lawyers at Pierce Skrabanek online or by calling (832) 583-1862. We are standing by to assess your case and make sure that you receive the insurance benefits you are entitled to.

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We know how tough things can get after an injury. That’s why we make your struggles our fight. With over three decades of combined experience, we’ve been the reliable allies our clients need, tackling financial hardships, physical pain, and major life changes. Our track record of successful verdicts and settlements speaks to our team’s passion and dedication to helping clients get the support and justice they need.

$1.6 Million Settlement Obtained for Apartment Complex Owner

The Plaintiff owned an apartment complex wherein part of the complex burned. The claims were that the insurance carrier underpaid the damages. Paul took all of the depositions on the case and argued all hearings. The case settled the day before it was to proceed in Harris County.

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$1.5 Million Settlement Reached in Insurance Dispute

The Plaintiff owned an apartment complex in Dallas, Texas that suffered damage during a freak hail storm.  The insurance company refused to pay and otherwise denied his claim. Paul filed suit and was able to show the Defendant through discovery that it had miscalculated the damages and that as a result the insurance company owed a substantial sum.

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