Hurricane Damage Claims
We fight insurers who wrongfully deny claims by blaming "flooding" instead of "wind" or misapplying high-percentage hurricane deductibles. We ensure you get the full amount to rebuild.
Property Damage Claims: Hail, Hurricane & Tornado Lawyers in Florida & Texas
When a hurricane shatters your Florida safe haven, a tornado devastates your commercial property, or hail pummels your Texas roof, your world is uprooted. Worse, the insurance company you depend on often responds with denial, delay, or a lowball offer, adding insult to injury.
United Law
Property Damage Claims We Handle
Florida's unique storm landscape requires homeowners to understand specific state laws. We ensure your insurer adheres to every one.
Hail Damage Claims
We challenge "cosmetic damage only" denials and "pre-existing wear" excuses. If hail damages your roof, Texas and Florida law may require a full replacement, not just a patch.
Tornado & Wind Damage
Tornadoes and severe wind events cause catastrophic losses. We deploy engineers and building experts to document the full scope of damage and fight for a complete recovery.
Fire Damage Claims
After a devastating fire, insurers often try to undervalue your structural loss and personal property. We handle the entire claims process to ensure you can fully rebuild your life.
Water Intrusion & Flood Claims
We navigate the complex battles between wind-driven rain (covered) and rising floodwaters (often excluded) to establish the true cause of loss and maximize your covered claim.
Commercial Property Claims
We represent businesses facing massive losses, documenting everything from structural damage to business interruption, lost income, and damaged inventory to get your company back on its feet.
United Law
Property Damage Claims We Handle
Florida's unique storm landscape requires homeowners to understand specific state laws. We ensure your insurer adheres to every one.
What Florida Homeowners Must Know: Hurricane Coverage Laws That Protect You
Florida's unique storm landscape requires homeowners to understand specific state laws. We ensure your insurer adheres to every one.
Florida's Hurricane Deductible The Hidden Cost
Unlike standard deductibles, Florida mandates a separate hurricane deductible, often $15,000 or more based on a percentage (2%, 5%, or 10%) of your home's insured value. Insurance companies frequently misapply this deductible to inflate your out-of-pocket costs.
The 72-Hour Hurricane Trigger Rule
Your higher hurricane deductible only applies if the National Hurricane Center issued a watch or warning within 72 hours of the storm’s impact. Insurers often wrongfully classify general wind damage as "hurricane damage" to apply the higher deductible.
Wind vs. Water, The Coverage Battle
Insurers routinely deny claims by arguing the damage was caused by uncovered flooding instead of covered wind. Even when wind clearly tore your roof off first, adjusters will cite "water damage."
Bad Faith and Prompt Pay Statutes
When insurers unnecessarily delay payment, deny valid claims, or fail to investigate, they commit bad faith. Florida Statutes § 624.155 allows us to hold them liable for damages beyond your policy limits, including attorney fees and interest.
Florida Homeowners: Don't Let Insurers Deny What You're Owed! The clock is ticking on your claim. Contact Us today to protect your rights before it's too late.
Texas Hail Damage Claims: Your Rights Under Lone Star State Law
Texas sees some of the most destructive hail in the nation. Insurers have perfected the art of denying or undervaluing these claims. We know their tactics.
The "Cosmetic Damage Only" Denial
This is the insurance company’s most common denial for Texas hail claims. They argue that while your roof is visibly damaged, it's still "functional" and doesn't require replacement. This is bad faith. Texas law and standard policy language don't differentiate between cosmetic and functional damage.
Full Replacement, Not Patches
If hail damages part of your roof or siding, Texas law requires consideration of matching when materials cannot be blended or matched.
Countering the Engineering Report Trap
Insurers frequently send their own "independent" engineers who predictably find "no significant damage" or "pre-existing wear and tear." We counter their biased findings with truly independent structural engineers who use industry-standard protocols to document every dent and impact.
Prompt Payment Penalties (TPPCA)
The Texas Prompt Payment of Claims Act (TPPCA) sets strict deadlines for insurers: acknowledge a claim within 15 days and pay accepted claims within 5 business days of acceptance.
The Clock Is Ticking Don't Lose Your Rights.
You Pay Absolutely Nothing
Unless We Win Your Case
Financial stress after a storm shouldn't stop you from getting justice. We remove that barrier with our simple, risk-free promise. At United Law Group, we believe justice shouldn't depend on your ability to pay upfront legal fees. That's why we operate on a contingency fee basis, you pay absolutely nothing unless we win your case. Our attorney fee is simply a percentage of the money we successfully recover for you.
A Proven Record of Success for Our Clients
Our firm's track record of securing significant settlements and verdicts reflects our commitment to rebuilding clients' lives, one case at a time.
Why Our Track Record Matters
Every case is unique, and past results don't guarantee future outcomes. However, these cases demonstrate:
Our willingness to take cases to trial when settlement offers are unfair.
Our ability to handle complex litigation against well-funded defendants.
Our commitment to thorough investigation and expert testimony.
Our track record of substantially increasing initial settlement offers.
Looking for a property damage attorney near you? Our team is ready to help, no matter how complex your case may seem.
Could Your Claim Be Worth More Than You Think?
Insurance companies profit by underpaying claims. Let us fight for what you truly deserve. Contact Us for a free case review.
Get My Free ConsultationGet Your Free, Confidential Case Evaluation Today
If you've been injured due to someone else's negligence, time is critical. Florida and Texas statutes of limitations are ticking, evidence can disappear, and witnesses' memories fade. The sooner you contact an attorney for personal injury, the stronger we can build your case.
You're Under No Obligation
This consultation is completely free with no strings attached. Whether you hire us or not, you'll leave with valuable information about your legal rights and options
What to Expect During Your Free Consultation
We listen to your story
Tell us what happened in your own words
We explain your rights
Clear guidance on Florida or Texas law and your options
We outline the process
Realistic timeframes and what to expect.
We give you honest answers
What your case is worth, no inflated promises
We take immediate action
If we take your case, we start working right away
ENQUIRE
Get a Free Case Evaluation
Tell us what happened. There is no cost and no obligation. Fill out the secure form or call us now. A member of our legal team will listen to your story and provide a free, confidential assessment of your legal options.
FAQs
Frequently Asked Questions
Navigating a legal issue can be confusing. Here are quick answers to some of the most common questions we receive.
80+ Calls booked
Last Month
We handle a wide range of residential and commercial property claims related to hail, hurricane, tornado, wind, fire, water intrusion, and all catastrophic storm events in Florida and Texas.
Please bring your insurance policy, any repair estimates, photos of the damage, and all written correspondence with your insurance company.
A public adjuster can help calculate and negotiate a claim but cannot offer legal advice or file a lawsuit. As a law firm, we provide the same calculation and negotiation services but with the critical power to sue the insurance company and pursue bad faith claims if necessary, which often results in significantly higher settlements.
If you signed a full release, options are limited but may still exist if bad faith can be proven. If you only accepted a partial payment, you may still file a supplemental claim. Contact us immediately, timing is critical.
Yes. We are licensed in both states and handle property damage claims for residential and commercial properties statewide.