Houston insurers deny storm damage claims by distinguishing uncovered flood losses from wind damage, citing pre-existing conditions or policy exclusions, leaving homeowners without separate NFIP flood coverage vulnerable. Bad faith arises from unsubstantiated denials, excessive documentation demands or blaming all damage on flooding despite evidence.
Houston insurers deny storm damage claims by distinguishing uncovered flood losses from wind damage, citing pre-existing conditions or policy exclusions, leaving homeowners without separate NFIP flood coverage vulnerable. Bad faith arises from unsubstantiated denials, excessive documentation demands or blaming all damage on flooding despite evidence.
Source: louislawgroup. Original: https://www.louislawgroup.com/homesite-insurance-denied-claim-florida-2026
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