November 1st Hailstorms: What Texas Residents Need to Know

The November 1st hailstorms that swept across the Texas Coastal Bend left homeowners and businesses reeling. From dented vehicles to damaged siding, the impact was severe. Shattered skylights and torn roofing served as a costly reminder that even “coastal” communities aren’t immune to hail. If your property was hit, acting quickly and understanding your rights under your insurance policy can make all the difference in recovery.

Understanding the Damage

Hail can form fast and fall hard, often with little warning. During the recent storm, many parts of the Coastal Bend saw hailstones as large as golf balls. Strong winds compounded the damage. In just a few minutes, homeowners faced significant issues:

• Roof Damage: Bruised or cracked shingles can lead to leaks and water intrusion.

• Broken Windows and Siding: Flying hail and wind-driven debris can shatter glass or dent home exteriors.

• Vehicle Damage: Dents, cracked windshields, and body damage for cars left outside.

• Water Infiltration: Once the roof or siding is compromised, rain often follows.

  
  

Even if your property looks intact, unseen roof or gutter damage can worsen over time. This makes prompt inspection critical.

What To Do After a Hailstorm

If your home or property was impacted by the November 1st storms, here’s where to start:

Document Everything

Take clear photos and videos of all visible damage before cleanup or repairs begin.

File a Claim Promptly

Contact your insurance provider as soon as possible to report storm damage.

Schedule an Inspection

Have a licensed roofing or restoration professional assess your property for hidden damage.

Avoid Storm Chasers

Be cautious of out-of-town contractors who appear after major storms. Choose a reputable local company and verify credentials before signing anything.

Are You Covered for Hail Damage?

Hail coverage can vary widely from one policy to another. Unfortunately, many homeowners only discover gaps in coverage after filing a claim. Review your policy and look for:

• ✔ Roof and structural repair coverage

• ✔ Window and siding replacement

• ✔ Vehicle coverage under comprehensive auto policies

• ✔ Temporary housing or living expenses

  
  

If you’ve already filed a claim and feel your payout doesn’t match the damage, you’re not alone. Many property owners discover too late that their insurer undervalued or denied legitimate claims. That’s where we can help.

Protect Your Home. Protect Your Rights.

At Furlow Law Firm, we specialize in helping Texas homeowners recover the full value of their insurance claims after severe weather. If you’ve experienced damage from the November 1st hailstorms or are struggling with your insurer, we can help review your claim and fight for the coverage you deserve.

Understanding Your Rights

It’s essential to understand your rights as a policyholder. Insurance companies are obligated to act in good faith. If you believe your claim has been unfairly denied or undervalued, you have the right to appeal the decision.

The Importance of Timely Action

Time is of the essence when dealing with insurance claims. Delays can lead to complications and may jeopardize your claim. By acting promptly, you can ensure that your rights are protected and that you receive the compensation you deserve.

Common Mistakes to Avoid

Many homeowners make mistakes that can hinder their claims. Here are a few common pitfalls to avoid:

• Neglecting to Document Damage: Always take photos and keep records of all communications with your insurer.

• Accepting the First Offer: Don’t rush to accept the initial settlement offer. It may not reflect the true extent of your damages.

• Failing to Seek Professional Help: Navigating the claims process can be complex. Consider consulting with a legal expert to guide you.

  
  

Stay safe, stay informed, and know that you don’t have to face the recovery process alone. Need assistance with an insurance claim? Get in touch with us today!