After a heavy windstorm, it’s common to find more than just a few missing shingles on your roof. You might notice cracked windows, damaged siding, fallen limbs, crushed fencing, or warped frames where gusts pushed too hard against the structure. These issues go beyond aesthetics — they affect your property’s safety, value, and livability. So, you do what most policyholders would: file a claim with your property insurance carrier. But then the problems start as the insurer questions the damage, blames existing wear, asks for more paperwork — and then disappears.
In some cases, they deny the claim altogether without a clear explanation. When that happens, it doesn’t feel like protection; it feels like a breach of contract. If you’re dealing with delays, denial, or lowball offers after wind damage, it may be time to speak with wind damage insurance lawyer David R. Grimmett, who handles these disputes every day.
The Insurance Law Firm is the place that will fight for you when your insurance company gives you the runaround about your wind damage claim. With decades of experience helping others just like you, David has exactly what it takes to face these companies head-on and make them pay their fair share. So, contact us right away if you need a wind damage lawyer you can count on in Franklin, TN, or the surrounding region.
Bad faith refers to an insurance company acting dishonestly or unfairly when handling your claim. These actions can damage your financial stability and peace of mind. But how do you know if your insurance company acts in bad faith? There are a few key indicators that you should be vigilant about, and you should contact an attorney right away if you experience any, including the following:
When a claim adjuster skips the site visit and tries to assess damage remotely — or worse, denies the claim outright without a proper inspection — that’s a serious concern. The foundation of any legitimate wind roof damage insurance claim should begin with a physical inspection of the property. Insurance companies often rely on third-party adjusters to handle these assessments, but even so, the policy requires them to investigate claims thoroughly and accurately. If the damage involves missing shingles, exposed framing, or compromised siding, an in-person assessment is the only reliable way to understand the true scope of the loss. When they don’t show up or send someone who rushes through the process, it often leads to undervaluing the damage—or denying the claim completely.
If your insurer keeps asking for the same documentation, whether it’s your inspection report, repair estimate, or a copy of your property insurance contract, it’s more than a simple annoyance. It’s often a tactic that contributes to unnecessary delays. These repeated requests serve one main purpose: to stall the claim. Once a file is submitted, it should remain on record. You shouldn’t be required to resend or resubmit the same document multiple times unless the company has a system issue, and even then, that burden shouldn’t fall on you.
When your insurer tells you one thing over the phone and something entirely different by email—or if different representatives provide inconsistent explanations for your denied wind damage insurance claim—that’s more than just poor communication; it’s a serious red flag. These mixed messages can cause confusion, mislead you about your policy coverage, and muddy the waters when you’re trying to make decisions about repairs or appeals.
Contradictory information also makes it harder for you to trust the process. One representative may say wind damage isn’t covered because it’s considered wear and tear, while another claims the inspection didn’t support a finding of storm damage. These internal inconsistencies can amount to bad faith conduct, especially when the insurer uses them to avoid a payout. If the explanations change depending on who you talk to, there’s likely a problem with how your claim is being managed behind the scenes.
Insurers have a legal duty to act promptly and reasonably when evaluating claims. That includes maintaining regular and open lines of communication. When updates are vague, or your claim seems in limbo, it’s often a strategy designed to wear you down. The longer they delay, the more desperate some policyholders become—sometimes accepting a lowball offer or giving up altogether. These tactics can seriously affect your ability to repair and protect your home or business after a storm.
Under Tennessee law, insurance companies must treat policyholders fairly and fulfill the promises stated in the insurance policies. Specific statutes provide protections against insurer misconduct, ensuring that any deceptive practices or unjust denials are met with legal challenges. David R. Grimmett, with his profound understanding of these laws and a firm commitment to protecting policyholders, ensures that if your insurer has overstepped or neglected their duties, you have the strongest advocacy on your side.
If your wind roof damage insurance claim is denied and your carrier blames the damage on wear and tear or poor maintenance without clear proof, that’s where experienced legal help becomes necessary.
Our firm works closely with independent inspectors, roofing experts, and contractors to create a strong and clear picture of what caused the damage. We compare those findings with your home insurance’s policy coverage and expose any weak points in the insurer’s justification for denying the claim. That approach often leads to faster, more favorable outcomes—without giving in to low settlement offers.
When a commercial property suffers wind damage, the financial impact can be immediate and disruptive. No matter if you’ve lost part of your roof, had structural beams compromised, or dealt with significant downtime due to the storm, the claim process needs to be quick and fair. Unfortunately, some insurers delay or deny commercial wind damage claims, citing exclusions buried deep in the contract or classifying damage as non-storm-related.
If your denied wind damage insurance claim for commercial property has stalled your operations or added unexpected costs, we can step in. Our legal team knows how to fight back against insurers who fail to honor the terms of their property insurance agreements. We’ll review your inspection reports, help gather expert opinions, and push for a payout that covers the full scope of the loss — not just the parts the insurer finds convenient to approve.
Has a recent storm damaged your property? Are you struggling with an insurance claim that seems to be going nowhere? Do you feel like your insurance company is not treating you fairly? If these questions resonate with you, it’s time to call The Insurance Law Firm. Don’t let the storm’s aftermath also destroy your peace of mind. Our dedicated team, led by David R. Grimmett, is ready to fight for your rights and help restore what was lost. Let us take on the burden of your legal struggle so you can focus on rebuilding. Call us today — your property deserves the best defense.
Facing more than wind damage? We also take on bad-faith insurance cases related to fire damage, water damage, flood damage, hail damage, tornado damage, and more.
Tennessee regulations mandate that if replacement materials do not match the existing ones in quality, color, or size, insurers must replace items to ensure a reasonably uniform appearance. This applies to both interior and exterior losses, ensuring that repairs maintain the home's aesthetic integrity.
Some homeowners insurance policies in Tennessee include specific windstorm or tornado deductibles, which may differ from the standard deductible. It's essential for homeowners to review their policies to understand any separate deductibles that apply to wind-related damages.
Insurance companies frequently challenge whether wind was the actual cause of damage—especially for roofing claims. They may argue the damage resulted from wear and tear, improper installation, or prior events. Proving that wind was the proximate cause often requires expert inspection, weather data, and strong documentation—areas where legal representation can make a major difference.
Insurance companies often deny wind claims by blaming the damage on aging materials or poor maintenance. We gather expert reports, storm data, and photographs to prove the damage was sudden, storm-related, and fully covered.
If only part of a roof or siding is damaged, insurers may refuse to pay for full replacement. We invoke Tennessee’s matching law to demand that all materials are replaced to ensure a consistent, uniform appearance.
Adjusters often undervalue the cost of wind damage or miss structural issues beneath the surface. We work with independent contractors and inspectors to present accurate estimates and ensure all necessary repairs are included.
When insurers delay, underpay, or deny legitimate claims without justification, we take legal action under Tennessee’s bad faith statutes—pursuing not only your full claim amount but potentially additional damages and attorney’s fees.
