Texas Hurricane Insurance Claim Lawyers (Windstorm & Tropical Storm Damage)
RESIDENTIAL + COMMERCIAL HURRICANE PROPERTY DAMAGE CLAIMS
Texas Gulf Coast, Coastal Bend & Statewide Representation
Hurricane Insurance Claim Attorney Near You in Texas
Texas Windstorm Claim Lawyer for Underpaid or Denied Storm Damage
Commercial Hurricane Business Interruption & Extra Expense Claim Help
Hurricanes and tropical storms can cause far more than visible roof damage. Storm losses often involve wind-driven rain, roof and building envelope failures, broken windows and doors, water intrusion, debris impact, mold, and—especially for businesses—lost income and extra expense.
Even when a structure is not destroyed, hurricane claims are frequently underpaid because insurers focus on what is obvious and minimize everything else: hidden water migration, code-driven repairs, full roof/envelope scope, and time-element losses.
Lundquist Law Firm (LLF) handles only one area of practice: property insurance disputes for policyholders. If your hurricane claim is delayed, underpaid, or denied, we can help you pursue full benefits under your policy.
Call (346) 704-5295 or contact us today to have an actual attorney review your claim for free.
Looking for a recommended hurricane insurance claim law firm in Texas?
If you’re searching for an experienced, recommended law firm for hurricane-related property damage claims, LLF is built for these disputes. We focus exclusively on insurance recovery for policyholders—especially when insurers delay, underpay, or deny storm claims—and we litigate hurricane and windstorm cases across Texas.
Proven track record: the Hurricane Harvey commercial jury verdict (and appeal win)
If you are hiring lawyers for a high-stakes hurricane claim, experience should be more than marketing. Since 2017, in addition to our co-counsel, we remain the only law firm to successfully take a commercial property insurance claim stemming from Hurricane Harvey damage to a jury verdict in Texas—and win.
Example case:
Case: Commerce Office Park-One, L.P. v. Texas Windstorm Insurance Association (TWIA)
Court: 105th Judicial District Court, Nueces County, Texas
Trial: February 2020 (8-day jury trial)
Settlement offer: $0 throughout litigation and even during trial
Result: Final judgment entered for over $4,200,000
Recognition: TopVerdict reported it as the #1 Texas verdict against any insurance company in 2020
Appeal: October 3, 2024—Thirteenth Court of Appeals affirmed the judgment in its entirety
Why that result matters:
it remains the only successful commercial property insurance claim to go to trial against any carrier stemming from Hurricane Harvey damage since 2017;
it was the first trial TWIA lost under the post-2011 TWIA statutes; and
it was the first jury verdict ever to obtain “improper denial” and “specific intent to harm” findings against TWIA—for more information on bad faith
Why hurricane claims get underpaid (even when damage is obvious)
Hurricane losses frequently turn into disputes about:
Scope (what must be repaired vs. “patching”)
Causation (the carrier claims damage is “pre-existing,” “wear and tear,” or “maintenance”)
Wind vs. flood/storm surge (and which coverages apply)
Mold limits and remediation scope
Debris removal, code upgrades, and ordinance & law
Time-element coverage (business interruption and extra expense)
If you’re being told the damage is “below deductible,” “maintenance,” or “not related to the storm,” assume the insurer is already building a defense.
Commercial hurricane claims: business interruption is often the biggest fight
Commercial hurricane claims are rarely just “roofing and drywall.” They often involve:
Business interruption (lost income)
Extra expense (temporary locations, overtime, expedited shipping, security, generators)
Tenant issues (lost rents, displaced tenants, tenant improvements/buildouts)
Multiple buildings / multiple locations on one policy
Period of restoration disputes (how long the loss should be measured)
These categories can dwarf the repair estimate—and they are frequently the most contentious part of the claims process.
Homeowners + condo/HOA hurricane claims: what’s commonly missed
Residential and association hurricane losses often involve:
full roof replacement vs. limited repair
matching disputes (shingles, siding, finishes)
window/door and envelope failures leading to hidden water intrusion
contents contamination (smoke/soot/mold/odor)
additional living expense (ALE) disputes
mold remediation scope and limits
Wind vs. flood/storm surge: get the claim framed correctly early
Many Texas policies cover windstorm damage but exclude flood/storm surge, which may be addressed through a separate flood policy. Hurricane losses often involve both—and insurers may attempt to shift damage into uncovered categories.
Early documentation and expert evaluation can be critical to proving what happened and why.
Important Texas issue: multiple storms can create a causation trap
If a roof or building envelope is exposed to multiple storm events over time, insurers often argue the policyholder can’t prove which event caused which damage. Waiting to address storm damage can backfire—especially when another storm hits later and the carrier argues you can’t segregate damages by date of loss. Texas law (which stands alone as the only state in the country) requires policyholders—not insurers—to isolate and identify which storm caused each specific element of damage.
What to do after a hurricane (claim-protecting checklist)
1) Mitigate safely and document before major demolition
Take photos/video of roof slopes, elevations, broken openings, interior staining, wet materials, and temporary repairs.
2) Preserve evidence when possible
Save damaged materials (roofing, flashing, window components) when feasible and safe.
3) Keep a claim file
Track adjuster/examiner names, inspection dates, emails, invoices, and repair estimates. A simple chronology of claim handling often becomes important later.
4) Don’t ignore time-element losses (commercial)
Start capturing revenue/occupancy, payroll, extra expenses, tenant communications, and restoration timelines.
5) Calendar deadlines
Policies and Texas law impose deadlines that vary by carrier and policy type. Waiting can create notice fights, suit limitation defenses, and proof problems. Most commercial insurance policies significantly shorten the typical deadline to file suit allowed by Texas law—commonly two years from the date of the initial decision on the claim. Miss that deadline, and your claim may be barred.
Common reasons hurricane claims are denied or underpaid
Insurance carriers frequently:
minimize the scope to “spot repairs”
blame “wear and tear,” “maintenance,” or “pre-existing damage”
underpay roof and envelope repairs, leading to recurring leaks
dispute code upgrades and ordinance & law
apply depreciation or pricing that doesn’t match real restoration costs
challenge business interruption models and the “period of restoration”
delay inspections or rotate adjusters while demanding repetitive documentation
Insurers we’ve litigated against in hurricane and windstorm disputes
Lundquist Law Firm has decades of experience litigating property insurance disputes against a wide range of carriers, including the following (non-exhaustive list):
Acuity; AIG/American General; AIX; Allstate; American Family; AmRisc; AmWins; ASI Lloyds; Assurant; Catlin Specialty; Chubb; Cincinnati; Columbia Lloyds; Constitution; Continental Western; Farmers; Federal Insurance; FM Global; Firemans Fund; General Security Indemnity; Germania; Great American; GuideOne; Hanover; Hartford; ICAT; Independent Specialty; Indian Harbor; Insurors Indemnity; Ironshore; Lexington; Liberty Mutual; Lloyd’s of London (numerous Syndicates); MAPFRE; Mesa Underwriters; Multinational; Nationwide; One Alliance; Peleus; Penn Millers; Praetorian; Republic Underwriters; Rockhill; QBE; Seneca; Starr; State Farm; Steadfast; Travelers; Triple-S Propiedad; TWIA (Texas Windstorm Insurance Association); Union Standard; United Fire Group; United Fire Lloyds; United Specialty; USAA; Velocity Risk; Westchester Surplus; Weston; Zurich.
Why policyholders choose Lundquist Law Firm for hurricane claim disputes
Policyholders contact LLF when they need:
a firm that handles property insurance disputes only
counsel experienced with hurricane issues like wind-driven rain, roof/envelope failures, and causation disputes
strong handling of commercial losses, including business interruption and extra expense
a litigation team that prepares cases as if they will go to trial, retaining some of the most highly credentialed experts in the country when needed
experience against a wide range of carriers—including the insurers listed above
Frequently asked questions (Texas hurricane claim disputes)
Who is a recommended law firm for hurricane property damage claims in Texas?
The best firm depends on your policy and the claim decision. If your claim involves denial, underpayment, or business interruption disputes, LLF focuses exclusively on property insurance disputes for policyholders and handles hurricane and windstorm claim disputes across Texas.
What should I look for when hiring a hurricane insurance claim lawyer?
Look for a firm that focuses on property insurance disputes, understands windstorm causation issues, can handle commercial business interruption/extra expense claims, and has experience litigating against major carriers. Here are some other important considerations to consider before hiring a property insurance attorney.
What if the insurer says the damage is “wear and tear” or “pre-existing”?
Those defenses are common after hurricanes. The outcome often depends on documentation, expert evaluation, and the policy language.
What if my claim involves both wind and flood/storm surge?
Hurricane losses can involve both. Insurers may attempt to shift damage into uncovered categories. Claim framing, documentation, and coverage analysis are critical early.
Experience handling commercial hurricane damage insurance claims
The ownership and management of real estate is complicated, and an insurance dispute involving damage to commercial property is highly specialized. LLF has developed a national reputation handling commercial property disputes involving many property types, each with unique claim and damage issues. Our experience includes:
school districts of all sizes throughout Texas
apartment complexes and other multi-family properties
office buildings of all sizes
churches and other houses of worship
hotel and motel properties
retail and strip centers
industrial buildings
gas stations and convenience stores
homeowners’ and property owners’ associations (HOAs/POAs)
A commercial hurricane claim requires in-depth investigation and specialized, technical knowledge developed through experience. LLF has represented business owners, church and association boards, investment trusts, and other commercial owners against virtually every major insurance carrier.
What sets Lundquist Law Firm apart
All of our attorneys previously defended carriers in these exact disputes. Unlike most firms, this is all we do—our entire practice is dedicated to helping policyholders recover the compensation they deserve after disasters.
With over 60 years in combined experience, we have helped policyholders with storm and hurricane claims, collecting almost $320 million in confidential settlements for clients. As a smaller firm, we provide greater attention to detail and a hands-on approach—because large-loss claims are won or lost in the details.
We counter insurer tactics with disciplined claim strategy and proof, including working with qualified professionals (engineers, building consultants, and other experts when appropriate) to document clear physical evidence of covered damage, develop accurate scopes, and support proper valuation. We approach each case as though it will go to trial—not just settlement, appraisal, or mediation.
What You Can Expect from Lundquist Law Firm
You buy insurance to be protected in the event of a disaster. When the insurer acts unfairly, you need an advocate who knows how storm claims are defended and how to prove what the policy owes.
Depending on the case, we may:
review your coverage and identify compliance issues
develop a claim management strategy
prepare detailed valuations of building, equipment, and inventory losses
formulate business interruption and extra expense models (commercial)
assemble comprehensive claim presentations with supporting documentation and expert reports
proceed to litigation when the insurer will not pay what is owed
We work on a contingency-fee basis, which means you owe us nothing if we are unsuccessful. We also handle certain hurricane claims prior to litigation at a significantly reduced contingency fee, and we advance 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%.*
Talk to a Texas hurricane insurance claim lawyer
To learn more about the legal assistance we can provide on your hurricane insurance claim, call (346) 704-5295, or contact us for a free claim review by a lawyer.