Texas Hail Damage Insurance Claim Lawyers

Commercial + Residential Hail Loss Claims | Texas & Nationwide Commercial Representation

Commercial Hail Damage Roof Claim Help (TPO, EPDM, PVC, Modified Bitumen, Metal, Built-Up)

Texas Hail Claim Lawyer for Underpaid, Delayed, or Denied Claims

Cosmetic Damage Exclusions, “Wear & Tear” Defenses, and Biased Engineering Reports

Hail losses are among the most frequently disputed property insurance claims—especially for commercial buildings, where the roof system, building envelope, and mechanical equipment are expensive, technical, and easy for insurers to undervalue.

Lundquist Law Firm represents policyholders only. Property insurance disputes are our only area of practice. If your hail claim is being underpaid, delayed, or denied, we can help you pursue the full benefits owed under your policy.

Call (346) 704-5295 or contact us today to have an actual attorney review your claim for free.

Commercial hail losses: what insurers often miss (or minimize)

Commercial hail claims are rarely just “a few dents.” Hail impacts can damage the full roof assembly and related systems in ways that don’t always show up as obvious leaks on day one.

Common commercial hail damage targets include:

Roof membranes and assemblies (TPO, EPDM, PVC, modified bitumen, built-up roofing, coatings, standing seam metal)
Flashing, parapet caps, copings, edge metal, penetrations, and sealant systems
Skylights, vents, rooftop units/HVAC, condenser coils, exhaust fans, and other rooftop equipment
Gutters, downspouts, fascia/soffit, and water-shedding systems
Windows, storefront, curtain wall, EIFS/siding, and building envelope components

Even “minor” hail can reduce roof life, compromise seams and fasteners, and create moisture pathways that later become interior damage, mold, or business disruption.

The most common commercial hail dispute tactics

Insurance companies (and their retained consultants) often attempt to reduce hail payouts by:

calling the damage “cosmetic” (especially on metal systems)
blaming it on wear and tear, deterioration, or prior damage
asserting the marks are outside the policy period or from an “older storm”
limiting scope to spot repairs when replacement is necessary to restore pre-loss condition
using engineering reports designed to frame hail as non-damaging
undervaluing code-driven work, access/safety requirements, and true market pricing

Commercial claims also tend to involve complex estimating issues—units, assemblies, manufacturer specs, code requirements, and sequencing—that can make a low estimate look “reasonable” until it’s tested.

Timing matters more than most commercial owners realize

Many commercial policies attempt to shorten deadlines, and delay can also create a proof problem if additional storms hit after the first loss.

If another hail event occurs, insurers frequently argue you can’t prove which storm caused which damage—turning a valid claim into a causation/segregation fight. For commercial owners, read: [When to File a Commercial Hail Damage Insurance Claim—And Why Timing Matters].

Cosmetic hail damage in commercial claims (metal roofs, panels, and more)

“Cosmetic damage exclusions” are a frequent battleground in commercial hail claims. Insurers may argue dents or impacts don’t “impair function,” so they owe little or nothing—particularly on metal roofing and panel systems.

In practice, “cosmetic vs functional” is often not straightforward:

dents can affect drainage, seams, fasteners, coatings, oxidation, and warranties
panels and roof systems may require matching, uniformity, and manufacturer compliance
the cost of addressing “cosmetic” damage may still be substantial—and may implicate covered loss depending on policy language

A proper policy analysis and expert evaluation can be decisive here.

How to protect a commercial hail claim (practical checklist)

If you own or manage commercial property, these steps help preserve your claim and avoid common traps:

1) Give notice and document conditions early
Photograph roof slopes, elevations, rooftop units, skylights, and interior staining. Preserve receipts and temporary repair invoices.

2) Obtain the full policy and endorsements
Commercial coverage often turns on endorsements, exclusions, and valuation provisions.

3) Use qualified professionals to evaluate the full roof system
Commercial roof damage often requires more than a visual walk. Testing and manufacturer/code analysis can matter.

4) Preserve maintenance and inspection records
Insurers routinely claim the roof was already compromised—records help show pre-loss performance.

5) Build a scope that restores pre-loss condition
That includes code compliance, safe access, proper sequencing, and system integrity—not just “patching.”

Why choose Lundquist Law Firm for hail claim disputes

All of our attorneys previously defended insurance companies in these exact disputes. Unlike most firms, this is all we do—property insurance disputes for policyholders. We have helped policyholders recover over $320 million on storm claims over decades, including hail claims, and we litigate against major carriers nationwide. We also have proven trial results in complex commercial property disputes.

We work on a contingency-fee basis (no attorney fees unless we recover), and we often handle hail claims prior to litigation at a reduced contingency fee. We also advance the case expenses necessary to fight the insurer when litigation is required.

Of note, the Texas Department of Insurance has found that engaging the services of an advocate increases an insured’s payment on a property insurance claim by an average of 308%.*

Hail resources for commercial owners

If you’re evaluating a hail claim—or deciding whether to file—these resources may help:

Speak with a Texas hail damage insurance claim lawyer

If your commercial property suffered hail damage and your claim is being denied, underpaid, or delayed, we can evaluate your options and help you decide the smartest next step.

Call (346) 704-5295 or contact us today to have an actual attorney review your claim for free.