Property Damage Lawyers in Dallas

Common Causes of Property Damage in Dallas

There are various types of property damage, including:

• Severe Storms and Tornadoes: Dallas is often hit by severe storms and tornadoes. The high winds, heavy rain, and hail can cause significant damage to buildings, roofs, and landscapes. Insurance claims for wind and hail damage can be complex and contentious.
• Floods: Besides storms, heavy rains and flash floods can lead to extensive flooding. Standard homeowners' policies typically do not cover flood damage, but you can add separate flood insurance policies governed by state and federal laws as an endorsement.
• Fires: Both accidental fires and wildfires can destroy homes and businesses, leading to total losses. Fire is a 'covered peril' in Texas, meaning homeowners receive compensation for damages minus the deductible. However, fire damage claims can involve exclusions and limits that require careful navigation.
• Hail Damage: Hailstorms can cause substantial damage to roofs, windows, and vehicles. Insurance coverage for hail damage is usually included in standard homeowners' policies, but claims can involve disputes over the extent of damage and repair costs.
• Mold and Water Damage: Persistent humidity and water damage from storms or plumbing issues can lead to mold growth. Insurance companies often limit coverage for mold damage unless it results from a covered peril like a leak or flood. A property damage lawyer in Dallas can help negotiate or litigate disputes to ensure property owners receive fair compensation.
• Lightning Damage: Lightning strikes, a common occurrence in Texas, can cause significant property damage and fires. For insurance purposes, lightning damage is defined as "generated electricity from the atmosphere" and can include electrical damage, property damage, and injuries to occupants.