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The May 28 hailstorm dented rooftops across Cedar Park and Leander while exposing a deeper problem: insurance companies that delay or underpay valid claims. Homeowners are reporting crushed shingles, cracked vents, and water intrusion, but many are still waiting for inspections or are dealing with offers that do not come close to covering the real cost of the storm.

Unfortunately, the hard truth is, if you are one of these homeowners, you are not alone. In 2024, 47% Texas property claims were closed without payment, not because of fraud, but because insurers bet that most people won’t fight back.

At Palker Law, we do fight back, so you don’t have to take that burden on for yourself. We don’t accept lowball offers, excuses, or delays. We deploy our battle-tested team to get you results.

Why Cedar Park Claims Are Stalled by Design

Cedar Park is growing fast, and that growth puts you at a disadvantage. Insurance companies often prioritize core Austin ZIP codes while claims from zip codes such as 78613 and 78641 sit neglected.

If your adjuster hasn’t shown up, or showed up but skipped the attic or called major roof impact “cosmetic,” that’s not an accident. It’s a tactic. And if your insurance company does not respond within 15 business days, they have already violated Texas Insurance Code Chapter 542.

What does that mean for you? It means they could owe you interest, attorney’s fees, and damages for unnecessary delay. You do not have to be aware of all the deadlines and rules regulating your insurance company. If you have any questions, our team is here to help.

Delay and Deny: Their Favorite Playbook

Insurance adjusters are trained to limit payouts, not maximize your recovery. In Cedar Park and Leander, we’ve seen:

• Repeated delays blamed on “backlog” or “storm volume.”
• Inspectors that miss obvious flashing damage or dismiss leaks as unrelated.
• Denials that call widespread roof trauma “cosmetic,” even when neighbors’ claims were approved.

These are not clerical errors. These are cost-saving strategies. When you push back, the story changes. That’s why our firm never stops pursuing the maximum compensation for your storm damage.

What Happens When You Speak Up

Scenario	If You Stay Silent	If You Push Back with Legal Support
Claim stuck in queue	No resolution for weeks or months	Escalated under Chapter 542 to trigger deadlines
Lowball inspection or offer	You accept less than the full damage	Challenged with independent contractor estimates
“Cosmetic-only” denial	Out-of-pocket roof replacement	Rebutted with photo evidence and structural analysis
Missed payment deadline	No penalty for insurer	We demand statutory interest and attorney’s fees

Texas claims law has teeth. We help you use it.

Cedar Park Homeowner Checklist: Break the Delay, Start the Process

You don’t need a law degree to protect your home. You just need to take the right next steps:

1. Save a Paper Trail
   Keep every voicemail, email, and inspection summary. Insurers who blow past Texas’s 15+5 deadline can be penalized.
2. If You’re in 78613 or 78641, Demand Action
   Insurers often deprioritize these ZIPs. You’re entitled to escalation if your claim is stuck.
3. Get a Local Contractor Estimate
   Don’t trust the insurer’s “preferred” roofer from out of town. Local Cedar Park roofers know the build codes and material needs better.
4. Anchor Your Damage With Local Landmarks
   Take wide photos showing damage in context near roads like Lakeline Blvd or neighborhoods like Buttercup Creek. This fights denial claims that “your house wasn’t hit.”
5. Mention Similar Claims in Your Neighborhood
   If claims for nearby homes were paid out, but yours wasn’t, that inconsistency matters. We use it to prove patterns and pressure insurers to explain.
6. Follow Up Every Call With an Email
   Adjusters can forget, or misrepresent, verbal exchanges. Written records are your legal foundation.

What Palker Law Does to Help

We don’t file paperwork. We build pressure. Here’s how we hold insurers accountable:

• We review every clause in your policy and cite the ones they ignore.
• We track and prove delay, setting up bad-faith penalties if timelines are violated.
• We bring in Cedar Park-based inspectors to document what the insurer won’t.
• We trigger Chapter 541 and HB 1774 to demand action or prepare to litigate.

We don’t bluff, and we don’t settle for less than you deserve.

Questions You Might Have

How long do I have to file a hail damage claim in Cedar Park?

You typically have two years from the date of loss to file a lawsuit under Texas law—but delaying even a few weeks can compromise your evidence.

What can a Cedar Park hail damage attorney do for me?

We investigate, document, negotiate, escalate, and, when needed, litigate. We do what insurers hope you never will.

What if my adjuster said there’s damage but called it ‘cosmetic’?

Insurers often downplay hail impact on metal roofs, vents, or siding by labeling it “cosmetic only.” But dents, cracks, and punctures can compromise waterproofing and cause long-term structural issues. We can bring in experts who understand the difference between dents and damage.

Can I still fight my claim if I already accepted partial payment?

Yes, and you should. Accepting a partial payout doesn’t waive your right to pursue the full amount your policy promises. Many Cedar Park homeowners are offered low settlements quickly after storms, with insurers hoping the check will close the case. It doesn’t. We can review the payment, your policy, and your damage to determine what you’re still owed and how to recover it.

Get What You Deserve!

Cedar Park homeowners are being delayed, lowballed, and dismissed. Not because their damage isn’t real, but because insurance companies want them to settle quietly. That ends today. With Palker Law, you get strategy, action, and strength, without upfront cost, and with legal firepower on your side.

Call us today for a free, no‑obligation consultation on your hailstorm damage claim. Let’s break the delay and get what you’re owed.