Texas Winter Storm Damage Claims Will Be the Most Expensive in History, Expected to Top $20B

s communities

oss Tex

s begin to slo

ecove

om the c

ippling

inte

sto

m of 2021, insu

nce comp

nies e bcing to shell out mo

e th

n six times

t they typic

lly p

y fo

Tex

s sto

m d

ge cl

ims in

vege ye. Th

t’s bec

use insunce comp

nies

nticip

ting sto

m d

ge cl

ims

nd lsuits f

ente

s, homeo

nd comme

l p

ope

ty o

ell

s vehicle o

s, business o

nd othe

nd the onsl

ught h

dy begun. Tex

ns h

dy filed mo

e th

n 20,000

inte

sto

m cl

ims

ith United Se

vices

utomobile

ssoci

tion

lone,

cco

ding to <

ef="https:

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ticles/2021-02-19/tex

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-sto

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el="noopene

nofollo

efe

epo

ts<> f

om Bloombe

g. Othe

insu

s in Tex

s h

lso

epo

ted

eceiving thous

nds of cl

ims

hile tempetu

e still f

eezing in some pts of the st

te.

If you

e one of the millions

ho h

ve suffe

ed losses

nd p

ope

ty d

ge in the

ecent deep f

eeze th

t g

ipped ou

te, you c

n len mo

bout the diffe

ent types of cl

ims you m

y be

ble to file belo

. To get

bout you

nd expe

ienced help n

vig

ting the sto

m d

ge insunce cl

im p

ocess, cont

ct <

ef=”https://c

inju

yvictims.com

“>Ste

t J. Guss, Inju

ccident Lye

s >.

e he

e to help you 24

me s

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idth=”560″ height=”315″ f

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2021 Tex
s
inte
Sto
m:
Gl
nce
t the Dev
st
ting G
ip of the Deep F
eeze<
h2>
nyone
ho lived th
ough the <
h
ef="https:
/
.fem
.gov/dis
ste
/4586″ t

get=”_bl
nk"
el=”noopene
nofollo
no
efee
“>Tex
s
inte
sto
m > kno
s just ho

ough
nd exto
din

y it

s. P
inting
pictu
e
ith numbe
s, these f
cts, sou
ced f
om <
h
ef=”https://
bc13.com
2021-tex
s-
inte
-sto
m-
e
the
-ho
-m
ny-people-lost-po
e
-boil-te
–
dviso
y/10356914/” t

get=”_bl
nk"
el=”noopene
nofollo
no
efee
“>
BC Ne
s >, p
ovide some conc
ete det
ils
egding the sto
m’s dev
st
ting imp
cts. They
lso highlight
hy sto
m d
m
ge insu

nce cl
ims
ill be both m
ssive
nd expensive fo
pe
son
l
nd comme
ci
l losses.

The
e
e
e 8 consecutive d
ys of belo
-45˚ The l
st time th
t h
ppened in Tex
s s
bout 80 ye

s
go in 1940.<
li>

Du
ing the sto
m’s pe
k,
bout 4.3 million Tex
ns h
d no po
e
. Bl
ckouts l
sted hou
s to d
ys fo
m
ny.

bout 13 million
e
e left h
ving to boil t
p te
fo

t le
st 2 minutes in o
de
to h
ve s
fe
ccess to

te
.<
li>

House fi
es su
ged by 187%,
s m
ny
epo
tedly st

ted fi
es in
despe

te
ttempt to st
y
m o
even su
vive du
ing po
e
out
ges
nd f
eezing tempetu
es.

These f
cts don’t even begin to c
ptu
e the physic
l inju
ies
nd <
h
ef=”https://c

inju
yvictims.com
se
vices
houston-

ongful-de
th-
tto
ney
“>de
ths<> f
om the sto
m. Still, they demonstte the
ity
nd extent of the Tex
s
inte
sto
m of 2021, sho
ing some of the unique
spects of the insunce cl
ims

ising f
om it. In f
ct,
lthough Tex
s insu
e
s

e used to h
ndling sto
m d
m
ge cl
ims f
om se
son
l hu

ic
nes, the cl
ims f
om the 2021
inte
sto
m

e coming f
om
ll 254 counties in the st
te; th
t does not usu
lly h
ppen
ith huic
nes,
hich typic
lly c
use
egion
l, not st
te
ide, d
m
ge. On top of th
t, the
vege Tex
s
inte
sto
m cl
im is expected to be mo
e expensive th
n the
vege huic
ne cl
im.
h
t does this m
tte
? Bec
use you m
y h
ve
mo
e ch
llenging fight
he
d of you if you h
ve filed o

ill be filing
Tex
s sto
m d
m
ge cl
im. Unde
the th
e
t of
multi-billion-doll

p
yout—
hich comes on the heels of insu
e
s’ <
h
ef=”https://
.insuncebusinessm
g.com/us/ne
s
b
e
king-ne
s
covid19-gene

l-insu

nce-losses-could-be-up-to-80-billion–
illis-to
e
s-221368.
spx” t

get=”_bl
nk"
el=”noopene
nofollo
no
efee
“>billion-doll

losses f
om COVID-19<>—it’s s
fe to expect th
t insunce comp
nies
ill do
h
t they do best: del
y, dispute,
nd deny. Don’t expect them to pl
y f
i
o
do the
ight thing by you.
ith th
t in mind, he
e is some impo
t
nt info
m
tion fonyone
ho
ill be filing (oho h
s
l
e
dy filed)
Tex
s sto
m d
m
ge cl
im.

Tex
s
inte
Sto
m D
m
ge Cl
ims fo
Homeo
ne
s<
h2>
Tex
s homeo
ne
s’ cl
ims

e

ising f
om
ll so
ts of
inte
sto
m d
m
ge, including d
m
ges
nd losses c
used by f
ozen pipes, ice
nd sno
, po
e
out
ges, f
llen t
ees,

te
,
nd fi
es. Cl
ims
el
ted to f
ozen pipes
nd
oof d
m
ge e expected to be the most p
ev
lent types of <
h
ef="https:
/
.tdi.tex
s.gov/t
kefive
home-d
m
ged.html” t

get=”_bl
nk"
el=”noopene
nofollo
no
efee
“>Tex
s sto
m d
m
ge cl
ims filed by homeo
ne
s<>. In
ddition to the st
uctul d
m
ge c
used by these elements, cl
ims h
ve
lso been seeking covege fo
d
m
ged pe
son
l p
ope
ty
ithin homes, d
m
ge to fences on
esidenti
l p
ope
ty, food spoil
ge,
nd the costs of st
ying
t hotels. It’s impo
t
nt to note th
t,
hile st
nd

d homeo
ne
s’ insu

nce policies m
y cove
d
m
ges f
om ice
nd sno
, they m
y not cove
d
m
ge f
om floods o
fi
es. M
ny insu
e
s only cove
th
t type of d
m
ge vi
policy
dd-ons.

Tex
s
inte
Sto
m D
m
ge Cl
ims fo
Vehicle O
ne
s<
h2>
The deep f
eeze c
used
ll so
ts of d
m
ge to vehicles in Tex
s. Snond ice c
ushed vehicle
oofs
nd c

cked
indshields, eithe
unde
thei
o
n
eight o
by knocking t
ees
nd othe
objects onto vehicles. The icy
o
d conditions h
ve
lso c
used
uto
ccidents, including collisions bet
een multiple vehicles
nd bet
een vehicles
nd
o
d fe
tu
es. Fo
these Tex
s
inte
sto
m cl
ims, questions of li
bility
ill be impo
t
nt fo
those involving <
h
ef=”https://c

inju
yvictims.com
se
vices
c

–
ccident-
tto
ney-houston
“>c
ccidents<> bet
een t
o o
mo
e vehicles. If vehicles h
ve been d
m
ged outside of
csh event, like by
t
ee bnch f
lling on them, cl
ims m
y be filed unde
homeo
ne
s’ policies, inste
d of
uto insunce policies.
nd depending on
h
t object c
used the d
m
ge, those cl
ims m
y p
oceed unde
neighbo
s’ o
othe
s’ policies, inste
d of you
o
n.

Tex
s
inte
Sto
m D
m
ge Cl
ims fo
Business O
ne
s<
h2>
Beyond the extensive d
m
ge to pe
son
l p
ope
ty, the Tex
s
inte
sto
m

e
ked h
voc on businesses. F
om sm
ll businesses to m
jo
co
potions, comp
nies
c
oss the st
te h
lted thei
opetions
ithout the po
e
,

te
,
nd supplies they needed to c
y on.
cco
ding to
BC Ne
s, the Tex
s
inte
sto
m of 2021 closed
t le
st 500 lmt sto
es
nd 775 CVS sto
es
c
oss the st
te. Fo
sto
es th
t h
ve been
ble to st
y open oeopen, f
ozen supply ch
ins h
ve left shelves b
en,
nd spoil
ge of pe
ish
bles h
s me
nt m
ssive qu
ntities of food h
ve been th
o
n out
ll
hy Tex
ns e scmbling fo
necessities.

Consequently, business o
ne
s
nd comme
ci
l p
ope
ty o
ne
s filing Tex
s
inte
sto
m d
m
ge cl
ims
ill likely be seeking p
youts fo
comme
ci
l p
ope
ty d
m
ge
nd business inte

uption losses.

Ho
to File
n Insu

nce Cl
im fo
Sto
m D
m
ge<
h2>
No m
tteh
t type of Tex
s
inte
sto
m d
m
ge cl
im you
ill be filing, it’s
lys
good ide
to
evie
you
policy fi
st, befo
e filing you
insunce cl
im, so you unde
st
nd you
covege. He
e’s
h
t else you c
n do
nd
h
t you should kno
to p
otect you

ights
nd cl
im f
om the
e:

1. T
ke extensive pictu
es
nd
o
videos of the d
m
ge.<
h3>
These

e you

eco
ds, so t
y to c
ptu
e
s much det
il
s possible. Sn
p photos f
om multiple
ngles. T
y to include
size
efe
ence in pictu
es
hen needed (like

ule
onything th
t p
ovides
point of cont

st). T
ke close-ups
nd p
nomic pictu
es, if necess

y. You
photos
nd videos c
n p
ove the extent of the d
m
ge, especi
lly if you h
ve p
e-d
m
ge pictu
es to sho
the contst.

2. Keep some d
m
ged items if possible.<
h3>
This could be
sm
ll piece of fu
nitu
e,
po
tion of

te
-d
m
ged d
y

ll o
cpeting, pieces of
oofing tiles, o
othe
d
m
ged elements. Like you
pictu
es
nd videos, these items c
n sho
you
losses in
mo
e objective light. They c
n
lso tell mo
e of the sto
y of ho
ce
t
in e
s o
floo
s in
building
e
e d
m
ged.

3. Be on gud
ith the insu

nce
djuste
.

Don’t think of the

djustes you

iend o

even someone

ho nts to help you. <

ef="https:

inju

yvictims.com

ty-little-sec

et-pe

son

l-inju

y-insunce-

djuste

“>Insu

nce

djuste

s > e the

e to do one thing—p

otect the insunce comp

ny. Fo

you, th

t me

ns th

djuste

e looking fo

ys not to p

nd you shouldn’t count on them to just h

nd ove

t you m

y dese

ve fo

you

im.

4. T
lk to
l

ye

S
P.<
h3>
e id="
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chment_42349" i
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ibedby="c
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chment-42349″ style=”
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c="https:
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inju
yvictims.comp-content
uplo
ds
2020/02/Ste
t-J.-Guss-
tto
ney-260x300.jpg"
lt=”Ste
t J. Guss
tto
ney"
idth=”183″ height=”211″ /> ption id="c
ption-
tt
chment-42349″ cl
ss="
p-c
ption-text">Sto
m D
m
ge Insu

nce Cl
im
tto
ney, <
h
ef="https:
/c

inju
yvictims.com
ou
-te
m/ste
t-guss
“>Ste
t J. Guss<><
figc
ption><
figu
e> The <
h
ef="https:
/c

inju
yvictims.com
se
vices
insu

nce-comp
ny-cl
ims-
tto
ney-houston/”>sto
m d
m
ge insunce cl
im l

ye
s<>
t Ste
t J. Guss,
tto
ney
t L

e
e
dy to help you no
. Ou
te
m of
tto
neys
nd leg
l p
ofession
ls e n
tion
lly
ecognized le
de
s in the indust
y.
e h
ve been st
nding up to insu

nce comp
nies on beh
lf of ou
inju
ed clients fo
mo
e th
n 20 yes,
nd
e h
ve <
h
ef=”https://c

inju
yvictims.combout-us
“>
ecove
ed millions > fo
people just like you.
e e
e
dy to m
ke ou
next victo
y you
s! C
ll us
ight not <
h
ef="tel:(866) 437-3820">(866) 437-3820<> fo f
ee, no-oblig
tion consult
tion. O
<
h
ef="https:
/c

inju
yvictims.com
cont
ct-us
“>CLICK HE
E<>.
e

e
v
il
ble 24
7 to help you.
hen you
e
ch out,
e
ill give you honest
ns
e
s
nd the
dvice you need.
e’ll tell you
h
t
e think
bout you
potenti
l cl
im
nd, if
e c
n help you,
e
ill! Plus,
e only
o
k on
contingency fee b
sis, so you
ill not o
e us
DIME unless
e
ecove
compens
tion fo
you
Tex
s sto
m d
m
ge cl
im.

>

ong>Ste
t J. Guss, Inju
y
ccident L

ye
s<
st
ong> 12777 Jones
d #297
Houston, TX 77070
(281) 664-6500

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3. Be on gud ith the insu nce djuste.

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3. Be on gud
ith the insu

nce
djuste
.