Lundquist Law Firm

05/06/2026

North Texas property owners are still dealing with the aftermath of the April 2026 hailstorms and tornadoes.

Once the emergency repairs begin, the next major issue is the insurance claim.

Many storm claims are affected early by incomplete inspections, low repair estimates, missed roof or water-intrusion damage, delayed investigation, or a claim reserve that does not reflect the actual scope of loss.

Lundquist Law Firm represents policyholders in disputed property insurance claims. We prepared this Claims Management brochure to help commercial property owners, HOAs, apartment communities, hotels, businesses, and property managers understand why early claim strategy matters after hail, wind, or tornado damage.

The claim should be built carefully from the start — not reconstructed after delay, underpayment, or denial.

View the attached brochure to learn more.

Download Lundquist Law Firm’s Claims Management brochure to learn how early claim strategy, investigation, documentation, reserve-setting, and repair-scope analysis can affect hail, wind, tornado, fire, water, and business interruption insurance claims.

01/21/2026

If you’re a Portland-area HOA or commercial property owner with TWIA, those Nov. 1, 2025 hailstorm decision letters are landing—and the deadlines can start running immediately.

Key issues we’re seeing:
• “Accepted” claims that are materially underpaid (often triggering a short window—commonly 60 days—to dispute the amount)
• Multi-building letters that define the claim in ways that can limit what’s covered if not addressed promptly
• Owners who haven’t filed yet—many TWIA losses have about one year from the date of loss to report, and waiting can create serious causation problems if another storm hits

Important: If your claim was “accepted” but underpaid, waiting can cost you the right to recover additional amounts on the accepted portion—in many claims, failing to act within the next 60 days waives your ability to dispute TWIA's determination. If the payment feels low, don’t assume TWIA will “work it out later.”

TWIA deadlines and practical next steps are broken down in the below blog:
https://www.lundquistlawfirm.com/blog/twia-hail-portland-damage-commercial-policyholder

TWIA claim decisions from the November 1, 2025 Portland, Texas hailstorm are coming out now. Learn the tight TWIA deadlines—especially the 60-day appraisal deadline on accepted claims—and why policyholders should consult a TWIA-focused attorney.

09/29/2025

Groundbreaking IBHS Study Just Changed the Game on Hail Damage

For years, insurers have denied hail claims by arguing that only "severe" hail (1”+) causes damage. But a landmark 10-year IBHS study published today proves otherwise: smaller hail (0.7”–1”) — often overlooked — can cause cumulative and devastating roof damage. The study found that repeated exposure to small hailstones accelerates asphalt shingle aging drastically — in some tests, 2 years of simulated sub-severe hail equaled 10 years of natural wear. Older roofs, already weathered, are 10x more vulnerable to small hail damage.

This challenges outdated insurance models. Building owners should document all hail events, no matter how small, and consult experts post-storm. Small hail isn’t always harmless — it could be quietly shaving years off your roof.

For over a decade, insurance carriers and their so-called preferred "independent" engineers have insisted that only “severe” hail — typically defined by the National Weather Service as stones over 1 inch in diameter — pose a real threat to asphalt shingle roofs. This rationale has been the

06/16/2025

Recent data shows nearly 47% of homeowners’ insurance claims in Texas were closed with no payment in 2024, according to the Houston Chronicle. Even after major weather events like last year’s derecho in May 2024 and Hurricane Beryl, the numbers suggest many policyholders remain unaware that legitimate claims are being underpaid or were wrongfully denied. The underlying Weiss Ratings analysis addressed in the article confirms the harsh truth: 14 major insurers closed nearly half of homeowner claims with $0 payout last year.

Could some of this be due to higher named storm deductibles? Absolutely, but not to this degree in Texas after our 2024 storm activity. Dr. Weiss (the Weiss Ratings founder) apparently agrees, noting that “many insurers appear to be using denials as a strategy to cut back on claims payments" and adding “as tort reform is enacted…it’s often becoming easier for insurers to deny claims with impunity.” Some insurers are clearly rushing to close out storm claims, capitalizing on policyholders who may be too overwhelmed or lack the knowledge to challenge the outcome. Know your rights and read your policy carefully.

Insurers are scaling back the types of damage they cover and raising deductibles, meaning homeowners must pay more to move forward with a claim.

02/18/2025

🏆 2024 was a landmark year for Lundquist Law Firm! We're proud to have delivered outstanding results for our policyholder clients across multiple states, helping them successfully resolve virtually every type of property damage dispute imaginable and get the coverage they deserve.

Thank you to our incredible clients for trusting us with your disputed property claims. We're energized and ready to continue fighting for policyholder rights and fair claim settlements in 2025.

09/04/2024

Our managing partner will be presenting on "Is Your Roof Contract Under Attack? Current State Law and Implications of TDI v Stonewater Roofing" at RCAT's Annual Texas Roofing Conference in Irving Convention Center. You won’t want to miss it. Join Will Lundquist and others on September 12-13, 2024 to get the most up to date education on topics that roofers and contractors face daily in Texas.

07/22/2024

Since the Texas Windstorm Insurance Association (TWIA) has received thousands of claims from insureds after Hurricane Beryl, any policyholders along the coast should be aware of the new rules applicable to disputing TWIA’s claim decision. Be mindful there are deadlines solely applicable to TWIA that, if missed, will BAR any opportunity to challenge TWIA's decision. Courts have even acknowledged the "draconian consequences" for minor deviations by TWIA policyholders, but ultimately recognize they are bound by the statutory scheme in place under Chapter 2210.

Since the Texas Windstorm Insurance Association (TWIA) has received thousands of claims from insureds after Hurricane Beryl , we thought it would be helpful to address some of the new rules applicable to disputing TWIA’s claim decision.  In 2023, the Texas Legislature passed several new la

05/28/2024

The damages from the May 16, 2024 windstorm event (aka the derecho) in Houston with over 100+ MPH winds are currently predicted to be $5-$7 billion. Don't hesitate to reach out for resources, we can help with mitigation and building envelope repair contractors or if you want an expert to look at your roofs. And for commercial asset owners still debating whether to even make a claim or curious about what to expect after doing so, take a look at our policyholder guide.

Especially when something like this happens close to home affecting friends and old colleagues, we will make time to answer any insurance questions about your rights or obligations as a Texas policyholder following a claim--this is our exclusive area of practice.

Although windstorms represent the fifth top cause of loss for businesses, few expected such an intense wind event prior to hurricane season. The damages from the May 16, 2024 windstorm event in Houston with over 100+ MPH winds are currently predicted to be $5-$7 billion. The Houston storm was ruled

05/23/2024

For months, some experts have predicted a dangerous hurricane season on the back end of 2024, thanks to La Niña and record warm Atlantic ocean water. This morning, with the start of the 2024 Atlantic hurricane season just over a week away, federal forecasters from NOAA (National Oceanic and Atmospheric Administration) predicted an "extraordinary" season with as many as 25 named storms possible. For perspective, this is the most storms NOAA has ever predicted in a preseason outlook. Specifically, NOAA is forecasting a range of 17 to 25 total named storms (winds of 39 mph or higher). Of those, 8 to 13 are forecast to become hurricanes (winds of 74 mph or higher), including 4 to 7 major hurricanes (category 3, 4 or 5; with winds of 111 mph or higher). All the meteorologists we work with consider NOAA to be the gold standard, due to its peer review, collaboration, and partnerships in its weather research.

While hopefully the Gulf Coast is spared, most people don’t put insurance on their hurricane preparedness checklist. Having the right amount and type of insurance for your business or commercial real estate assets is a crucial component of disaster preparation, so find a reputable agent who can answer your questions. Our entire practice is committed to providing policyholders the information and advocacy they need to navigate the complexities of any type of disaster recovery.

La Nina and warmer-than-average ocean temperatures are major drivers of tropical activity

01/16/2024

A significant recent ruling by a Texas federal court held that the insured could pursue its extra-contractual claims against the carrier for property damage, even though the insured’s breach of contract claim was time-barred under the policy.

We previously wrote advising policyholders about several recent reported decisions in Texas, which held that an insured’s breach of contract claim was BARRED if the lawsuit was not filed within 2 years and 1 day of the carrier’s initial decision on the claim, even during the pendency of an appra...

10/30/2023

We recently filed suit in New Mexico stemming from a carrier's bad faith partial denial of a hotel owner’s insurance claim for property damage stemming from a pipe burst that destroyed the entire first floor. To add insult to injury, the adjuster chose to use the highest possible replacement cost value (RCV) using incorrect variables, rather than what was required by the policy, to impose a massive 47% coinsurance penalty. Months after making its formal decision on the claim, the carrier even elected to ask for an examination under oath (EUO).

We have represented various hotel and motel owners all across Texas and around the nation in complex bad faith property insurance cases:

Lundquist Law Firm recently filed a bad faith property insurance lawsuit in New Mexico against Mesa Underwriters Specialty Insurance Company on behalf of a large hotel in Ruidoso, New Mexico. On December 15, 2022, a pipe began discharging a large amount of water on the first floor of a family-owne