Business Interruption Insurance … Is It Necessary?

When a fire, tornado or hailstorm damages your business property, you have a commercial property insurance policy to repair the damage. But what about the business losses you suffer? A storm can do more than damage your building. It can destroy the income you derive from operating your business. Most commercial property insurance policies have […]

Getting Full Coverage for All Roofs After Hail Damage

The Hoch Law Firm recently handled a case that involved a church. It was hit by 2 1/2-inch hail that damaged multiple types of roofing: shingle, TPO, and vinyl. The insurance carrier only agreed to cover the shingled roof. We fought back, leveraging their own date of loss determination to argue that the same storm […]

Property Insurance Claim? How Long Do You Have to Sue?

I am frequently asked when the statute of limitations expires on property insurance claims in Texas. Here’s the short answer: • 1. The statute of limitations for Breach of Contract in Texas is four (4) years. But, the property insurance policy usually has a provision that reads, “No one may bring legal action against us […]

Turning a Disputed Roof Claim into Full Coverage

A grocery store in South Dallas was battling extensive roof leaks after two powerful wind and hail storms. The insurance carrier attributed the damage to pigeon droppings, refusing to pay for necessary repairs. We hired an engineer, examined historical weather data, and took core samples of the roof. Just one week before trial, we secured […]

Issue with Your Property Insurance Claim? When Should You Call Me?

As an attorney who represents commercial property owners in North Texas, you may wonder what my fee structure looks like. First, I understand that contacting a lawyer may seem like overkill when it comes to property insurance claims. However, if you’re not getting what’s needed to sufficiently repair and protect your investment, then it’s time […]

What Happened When a Condominium Association Made a Hail Claim?

The Hoch Law Firm recently had the privilege of representing a condominium association in a challenging hail claim dispute. The claim had been pending for over a year, with the insurance carrier denying coverage, blaming golf ball damage instead of hail. While some golf ball strikes were present (the property is next to a golf […]