Lightning Strikes House with Farmers Insurance
Our client recently filed a lawsuit against Texas Farmers Insurance Company and its adjuster. The man’s home was seriously damaged in a thunderstorm that bombarded Fort Bend County, Texas in May 2015. Farmers and its adjuster conducted a substandard and improper inspection of our client’s property, grossly undervaluing the cost of repairs and deliberately yielding an unrealistic amount to underpay coverage.

May 13, 2015 Storm

On May 13, 2015, a severe storm tore through Missouri City, striking our client’s home with lightning. His house suffered severe damage to the roof and exterior, as well as several electronics inside the home. After the storm, our client quickly submitted a claim to Farmers, hoping his insurance company would help him get his life back in order.

Texas Farmers Insurance Company Home Insurance Claim

Farmers assigned one of its adjusters to inspect the property and adjust the claim. The adjuster knowingly conducted a subpar investigation, refusing full coverage and estimating damages to total about $6,200. After the deductible, this left our client without the necessary recovery to make repairs to his home.

The third-party expert hired after the insurance company’s fraudulent inspection found a litany of damages that were either conveniently absent or undervalued in Farmers’s estimate.

The damage to our client’s property is currently estimated at $38,300.

Farmers’s adjuster intentionally undervalued our client’s claims in order to maintain his job. He misrepresented the amount of damage hoping our client would simply rely on his expertise and fraudulent estimate as a true representation of the property’s damages.

Because of Farmers’s fraud, our client could not complete any meaningful repairs to his home, resulting in even more damage. Farmers’s inadequacies forced him to retain an attorney to pursue his claim for insurance benefits. On October 4, 2016, the Chad T. Wilson Law Firm filed suit, on behalf of our client, against Texas Farmers Insurance Company for fraud, breach of contract, and violations of the Texas Insurance Code and the Texas DTPA.

Texas Property Insurance Lawyers

If your homeowner insurance carrier has denied your insurance claim, then we can help. The experienced attorneys at Chad T. Wilson Law Firm have represented more than 1,000 clients in cases against insurance companies. Our property insurance lawyers aggressively protect the rights of insurance policyholders. Our consultations are free, and you owe us nothing until your case is won. Contact us today to see how we can help.