This Is the Most Expensive Hail Market in the Country
On April 12, 2016, one storm moved across the northwest side of Bexar County. It caused $1.36 billion in insured losses — $800 million to homes and businesses, $560 million to vehicles, more than 110,000 cars. It is still the costliest hail event in Texas history, and if you were here, you remember it.
The number is not the point. The point is what it means for your claim: every carrier writing policies in Central Texas has priced, staffed and scripted for exactly this. When a storm comes through, they are not handling your claim — they are handling thousands of claims that look like yours, fast.
You get one inspection. It is usually short.
Why Storm Claims Get Underpaid Here
Not because anyone is lying. Because of how storm damage behaves, and how fast these claims move.
- Hail damage to a roof is invisible from the ground.Granules knocked loose, mats bruised, seals broken — the roof keeps working. Nothing leaks. Then it rains hard eight months later and the conversation with your carrier is no longer about damage, it is about when the damage happened.
- Wind, hail and wear are three different answers.The same missing shingle can be a covered wind loss, a covered hail loss, or excluded deterioration. Which one it is decides whether you are paid. That call is made by whoever documents the roof first, and it is very hard to reverse later.
- A partial roof is not always a whole answer.When a carrier approves replacing one slope, the new shingles rarely match the rest of the roof. Whether they owe for the difference depends on your policy wording — it is worth reading before you accept a scope.
- Interior damage gets left off the scope.Wet insulation, stained ceilings, warped flooring, and the drywall behind it. A fast exterior inspection does not find any of it, and what is not in the scope does not get paid.
- The clock is on them, not on you.Texas gives your insurer 15 days to acknowledge a claim, 15 business days to accept or reject it in writing once they have what they asked for, and 5 business days to pay what they accept. Most homeowners never find that out.
Why Storm Damage Claims Require Immediate Action
Time is critical after severe weather. The longer you wait, the more you risk.
Evidence Deterioration
Weather changes and temporary repairs mask damage. Document everything immediately.
Settlement Pressure
Insurance companies pressure you to accept lowball offers before full damage assessment.
Missed Deadlines
Policy deadlines jeopardize your claim. Acting fast protects your rights.
Secondary Damage
Water intrusion, mold, and deterioration worsen without immediate action.
Claim Delays
After major storms, overwhelming volume delays insurance response.
Michael responds immediately after severe weather to document damage while evidence is fresh and protect your rights before insurance companies act.
Types of Storm Damage We Handle in Central Texas
From hail to flooding, Michael handles all types of weather-related damage claims.
Hail Damage Claims
Central Texas hailstorms devastate properties in minutes. Michael documents all hail damage thoroughly.
- Roof damage
- Siding damage
- Window & skylight damage
- HVAC unit damage
Wind & Tornado Damage
High winds and tornadoes cause catastrophic destruction. Michael documents all wind-related loss.
- Roof damage
- Structural damage
- Broken windows & doors
- Fence & exterior damage
Flood & Water Damage
Flash flooding threatens Central Texas properties. Michael evaluates all flood-related damage.
- Foundation damage
- Interior flooding
- Flooring & wall damage
- Mold remediation
Ice & Winter Storms
Winter weather causes significant property damage. We handle all winter storm losses.
- Ice dam damage
- Snow load damage
- Burst pipes
- Water damage
Lightning Strike Claims
Lightning causes fires and electrical damage. Michael documents all strike damage.
- Fire damage
- Electrical damage
- Structural impact
- Electronics damage
Tree & Debris Damage
Falling trees cause extensive damage. Michael documents and recovers tree-related losses.
- Structural damage
- Roof penetration
- Vehicle damage
- Removal costs
Common Storm Damage Insurance Issues We Resolve
Inadequate Damage Assessment
Quick inspections miss hidden damage, underestimate scope, or fail to identify all affected areas.
Disputed Coverage
Insurers claim damage is from maintenance, apply exclusions incorrectly, or dispute timelines.
Lowball Settlements
Settlements don’t cover repair costs, ignore code upgrades, or undervalue total damage.
Claim Delays
After major storms, insurance companies delay response leaving you in limbo.
Michael resolves these issues with documented evidence, policy analysis, and aggressive advocacy to ensure you receive full compensation.
Want Immediate Help?
Storm damage doesn’t wait. Call to speak with Mike immediately or submit your information through our contact form. We respond within 24 hours.
Call Today for Immediate Response
San Antonio
(210) 487-8802
Time is critical after storm damage. Michael responds immediately to document damage and protect your claim before insurance companies act.
Quick Contact Form
Get Your Free Storm Damage Assessment
Don’t let your insurance company minimize your storm damage. Time is critical after severe weather, so act now to protect your rights and maximize your settlement.
Storm damage doesn’t wait. Neither should you.