A seasoned Houston hail damage lawyer at Daly & Black, P.C. is waiting to go ALL IN for you because you deserve nothing less. Schedule a free consultation now.
Hailstorms can cause serious property damage, and for many Houston homeowners, the real battle begins when they file an insurance claim. In the aftermath, homeowners expect their insurance companies to deliver on their promises—but too often, they don’t. If you’ve been blindsided by a denied, delayed, or underpaid hail damage claim, it’s time to fight back.
The Real Damage: More Than Just a Roof
Hail damage extends far beyond a few broken shingles. In Houston, where storms strike hard and fast, damage can include cracked siding, broken windows, roof leaks, foundation shifts, and even interior water damage. But the true cost of a storm often lies in the details that insurers overlook or dismiss.
Depending on the scope of your loss, a hail damage claim may include:
- Roof replacement or repairs
- Gutter and siding damage
- Broken or cracked windows and skylights
- Water intrusion and resulting mold remediation
- HVAC or solar panel damage
- Damage to fences, decks, and exterior fixtures
- Interior damage caused by roof leaks (ceilings, walls, flooring)
- Temporary living expenses if your home becomes uninhabitable
- Personal property damage (electronics, furniture, appliances)
The cost of these repairs adds up quickly—often surpassing what insurers are initially willing to acknowledge. And while they downplay your losses, you’re left footing the bill. That’s where we step in.
The Average Insurance Payout for Hail Damage Roof Repairs
In Texas, hailstorms are frequent and potentially costly events. According to State Farm, Texas led the nation in hail-related insurance claims in 2021, with total payouts topping $710 million. The average State Farm claim for residential hail damage was over $12,000.
However, repair costs can vary drastically. Depending on the severity of the storm, roof material, and structure age, costs might range from $3,450 to over $28,000, as noted by Btol Roofing. These disparities often create friction between policyholders and insurers—especially when lowball offers don’t reflect actual repair needs.
That’s where Daly & Black steps in. We’ve helped clients challenge flawed assessments and recover full compensation by deploying independent experts and forensic evidence. We don’t settle for insurer shortcuts—we seek to prove the true extent of your loss.
How HailStrike Measures Storm Intensity
In the realm of hail damage assessment, accurate and timely information is crucial. HailStrike, a Texas-based weather forensics company, has developed a patented system to quantify hailstorm intensity. Their Impact Score ranges from 1 (Potentially Damaging) to 5 (Widespread Destruction), considering factors such as hail size, distribution, storm duration, affected population, and housing density.
This data-driven approach provides a scientific basis for evaluating hail damage, which can be instrumental in substantiating insurance claims. At Daly & Black, we leverage such detailed analyses to support our clients’ cases, ensuring that the true extent of storm impact is recognized and appropriately compensated.
Why Insurance Companies Push Back
After a storm, many policyholders run into tactics like lowball estimates, slow response times, and claim denials based on vague policy language. Adjusters may argue the damage is cosmetic, pre-existing or they may rely on depreciation schedules to slash your settlement.
These aren’t accidents, they’re part of a playbook designed to wear you down. Daly & Black knows the game, and we don’t play by their rules.
Understanding Your Homeowners Insurance Policy
Not all homeowners policies offer the same level of protection—and that difference becomes critical when hail causes widespread damage. In Texas, most homeowners carry one of two types of policies:
- Named Perils Policies: These only cover events specifically listed in the policy, such as fire or hail. If hail damage isn’t mentioned—or if the resulting interior water damage isn’t clearly connected to a named peril—your claim may be denied.
- All-Risk (Comprehensive) Policies: These cover all losses unless explicitly excluded. Hail is typically included, and so is any interior water damage resulting directly from hail-compromised roofing or windows.
According to the Texas Department of Insurance, policyholders should review their coverage terms closely and act quickly after a storm. Even when hail is clearly covered, many legitimate claims are delayed or underpaid—making legal support not just helpful, but often essential.
A Houston hail damage lawyer at Daly & Black can help you review your policy, interpret its language, and prepare powerful correspondence when insurers attempt to undercut your claim. We focus on the fine print—so they can’t use it against you.
Why You Need a Houston Hail Damage Lawyer
Insurance companies rely on strong legal representation to protect themselves from the consumer and therefore it’s crucial that you level the playing field should you be faced with a denied or undervalued claim. Here’s what we bring to the table:
- Real pressure. We push insurers to negotiate fairly—or face us in court.
- Independent damage evaluations. Our experts counter the insurer’s biased adjusters.
- Speed and power. We shut down delay tactics and bad-faith denials.
We don’t just threaten legal action—we take it. At Daly & Black, we litigate when others hesitate, and we fight until you get every dollar you’re owed.
The Daly & Black Difference
When hail hits hard, choosing the right legal team to represent you is one of the most important decisions you’ll make. We pride ourselves on being ALL IN for our clients. Here’s what makes Daly & Black the go-to hail damage lawyers for Houston homeowners:
Relentless Advocacy
We don’t just handle claims—we go to war for every dollar you’re owed. From challenging biased insurance adjusters to using forensic data like HailStrike’s storm intensity scores, we back your case with facts, pressure, and tenacity. Insurers may try to delay or deflect, but we keep the pressure on until they pay up.
Proven Results
Daly & Black has earned national recognition for excellence in insurance litigation. We’re a four-time nominee—and proud 2022 winner—of Insurance Litigation Firm of the Year. Our track record is built on real outcomes for real people, including significant recoveries for homeowners whose claims were undervalued or denied.
Personalized Strategy
No two hail claims are alike. That’s why we take a tailored approach to every case, digging into the unique details of your damage, your policy, and your insurer’s playbook. From your free consultation to the final resolution, we’re with you every step of the way.
Full-Scope Support
Hail damage affects more than just your roof—it disrupts your life. We manage the claim process so you can focus on moving forward. Whether it’s hiring independent appraisers or disputing flawed inspections, we handle it all.
Our commitment to clients isn’t just a tagline—it’s how we operate. At Daly & Black, you’re not a file number. You’re a homeowner with a problem, and we’re the team that solves it.
Our Process
- Schedule your FREE consultation
- We investigate every angle of your claim
- We fight for what you’re owed
Daly & Black isn’t just a law firm—we’re your weapon against bad-faith insurers.
FAQ Section
Q: Does homeowners insurance cover hail damage in Houston?
A: Yes, most policies do—but coverage limits and exclusions often lead to disputes. A lawyer can help interpret the fine print and push back when insurers deny valid claims.
Q: What should I do if my hail damage claim is denied or underpaid?
A: Contact a Houston hail damage lawyer immediately. You may still have legal options to appeal or file a bad-faith claim.
Q: How can a Houston hail damage lawyer help me?
A: By documenting damages, hiring independent experts, and fighting back against delay and denial tactics. We level the playing field.
Weather the Storm with Daly & Black
Don’t let your insurance company dictate what you’re entitled to. If your home has been hit by hail, trust a Houston hail damage lawyer who’s ready to go to battle. Schedule your free consultation today. We work on a contingency fee basis—you don’t pay unless we win. Let Daly & Black fight for what’s rightfully yours.