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

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

Texas Injury and Accident Attorney
s communities

c

oss Tex

s begin to slo

ly

ecove

f

om the c

ippling

inte

sto

m of 2021, insu

nce comp

nies e bcing to shell out mo

e th

n six times

h

t they typic

lly p

y fo

Tex

s sto

m d

m

ge cl

ims in

n

vege ye. Th

t’s bec

use insunce comp

nies

e

nticip

ting sto

m d

m

ge cl

ims

nd lsuits f

om

ente

s, homeo

ne

s,

nd comme

ci

l p

ope

ty o

ne

s,

s

ell

s vehicle o

ne

s, business o

ne

s,

nd othe

s.

nd the onsl

ught h

s

l

e

dy begun. Tex

ns h

ve

l

e

dy filed mo

e th

n 20,000

inte

sto

m cl

ims

ith United Se

vices

utomobile

ssoci

tion

lone,

cco

ding to <

h

ef="https:

/

.bloombe

g.com/ne

s

ticles/2021-02-19/tex

s-s-b

ut

l-

inte

-sto

m-to-b

ing-

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nce-cl

ims" tget="_bl

nk”

el="noopene

nofollo

no

efe

e

">

epo

ts<> f

om Bloombe

g. Othe

insu

e

s in Tex

s h

ve

lso

epo

ted

eceiving thous

nds of cl

ims

hile tempetu

es

e

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

m

ge in the

ecent deep f

eeze th

t g

ipped ou

st

te, you c

n len mo

e

bout the diffe

ent types of cl

ims you m

y be

ble to file belo

. To get

ns

e

s

bout you

cl

im

nd expe

ienced help n

vig

ting the sto

m d

m

ge insunce cl

im p

ocess, cont

ct <

h

ef=”https://c

inju

yvictims.com

“>Ste

t J. Guss, Inju

y

ccident Lye

s >.

e

e he

e to help you 24

7.

me s

c="https:

/

.youtube.com

embed/h-GTCe

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idth=”560″ height=”315″ f

mebo

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me>

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

f

iend o

even someone

ho nts to help you. <

h

ef="https:

/c

inju

yvictims.com

di

ty-little-sec

et-pe

son

l-inju

y-insunce-

djuste

s

“>Insu

nce

djuste

s > e the

e to do one thing—p

otect the insunce comp

ny. Fo

you, th

t me

ns th

t

djuste

s

e looking fo

ys not to p

y,

nd you shouldn’t count on them to just h

nd ove

h

t you m

y dese

ve fo

you

cl

im.

4. T

lk to

l

ye

S

P.<

h3>
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t J. Guss<><

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ef="https:

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vices

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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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