According to the National Weather Service, Arkansas experiences approximately 37 tornadoes each year. It has gotten worse in recent years. In 2025, 60 tornadoes caused three fatalities and 42 injuries. These numbers don’t even account for the number of injuries or property damage caused by other storms, such as storms, hurricanes, straight-line winds, flooding, etc.
If you suffered storm-related losses, you may be able to file an insurance claim. However, the claim process is not always easy, and you will likely face pushback from the insurance company. The experienced legal team at Horton Personal Injury Lawyers can guide you through the legal process and fight for the compensation you deserve and have paid for through your insurance premiums.
As a loyal customer who has paid their premiums regularly and on time, you expect to be treated fairly when you make a claim for storm damage under your policy. Unfortunately, many insurance customers quickly realize that this is not the case. Instead, they get the run-around, lowball estimates of their property damage, and unfairly denied claims. And this is coming from their own insurance company.
Insurance companies are highly profitable businesses that make the most money when there is a large difference between the amount of revenue they receive from insurance premiums and the amount they pay out in claims. They – and the insurance adjusters they employ – are financially incentivized to deny and devalue claims as much as possible.
When you are already going through a tough time, potentially dealing with injuries and unexpected costs, insurance companies may try to take advantage of you. They know that you are vulnerable, so they may make you a quick settlement offer in hopes that you will accept it before you retain an experienced lawyer who can advocate for maximum compensation.
Keep in mind that this might be the first time that you are seeking payment under your policy, whereas insurance adjusters deal with these situations all the time. They know how to take advantage of the system, and those who don’t understand their insurance policies or the legal system. Insurance adjusters put the interests of insurance companies first, not yours. An experienced insurance litigation lawyer can protect your rights and focus on your best interests.
At Horton Personal Injury Lawyers, we understand the devastating impact that storms can have on a person’s life. They can cause serious injuries and extensive property damage. From tornadoes to severe thunderstorms and hailstorms, weather-related events in the Natural State can leave behind a trail of destruction. If your property was damaged due to a storm, you may have the right to file a storm damage claim with your insurance company.
However, navigating the complex web of insurance claims can be overwhelming when you’re already dealing with so much. The legal process can be confusing and exhausting, especially when you are struggling to recover from physical and emotional injuries. A sensitive and empathetic legal professional from Horton Personal Injury Lawyers understands the difficulty that you’re going through and will treat you with patience and care.
Because our law firm has extensive experience handling storm damage claims, you can rely on us during this critical time in your life. We understand how to properly review insurance policies, value claims, and negotiate for maximum compensation. We stay up-to-date on the latest laws and regulations, ensuring that we know the latest changes in the insurance industry and claims handling processes.
At Horton Personal Injury Lawyers, we believe in providing compassionate legal representation to our clients through aggressive advocacy against our opponents. We are fearless in standing up to insurers that try to delay, minimize, or deny valid claims. We know the tactics that insurance companies use to avoid paying large claims and can fight tirelessly to recover the compensation you deserve.
We aren’t afraid to file bad faith claims against insurance companies that don’t hold up their end of the deal by fairly dealing with valid insurance claims. We won’t hesitate to take your case to court when necessary to fight for the outcome you deserve.
Our legal team provides each client with the personalized attention that they deserve. We treat our clients like family and tailor our services to our clients’ unique needs. Insurance companies may try to resolve claims as cheaply as possible when they are dealing with many customers filing claims at the same time, but we will uphold your rights, focusing on resolving your claim as quickly as possible without sacrificing the compensation that you deserve.
We know that storms can be financially devastating, so we offer our storm damage claims services on a contingency-fee basis. We don’t get paid unless we successfully recover compensation on your behalf and charge no upfront fees. This allows you to focus on putting your life back together without worrying about laying out more funds during a financially draining time.
At Horton Personal Injury Lawyers, our team of property damage lawyers can help property owners with filing claims for storm-related damage to homes, vehicles, and other property. We handle a wide range of storm damage claims, including the following:
Tornadoes can cause massive destruction. They can tear down entire structures. Some of the particular damage that tornadoes can cause include the following:
Tornado damage is usually covered under homeowner’s and renter’s insurance policies under windstorm damage provisions. Homeowner’s insurance covers structural damage to the house, as well as detached structures like garages and sheds, depending on the specific terms of the policies. Renter’s insurance covers the tenant’s belongings inside the rented space caused by tornado damage.
These policies may provide actual cash value or replacement cash value coverage. Actual cash value reimburses the policyholder for the property’s depreciated value at the time of the damage. Replacement cash value pays for the cost to replace the damaged item with new ones of a similar type and quality.
A tornado damage lawyer from our law firm can carefully review your renter’s or homeowner’s insurance policy language and determine your coverage.
Even when winds are not strong enough to form tornadoes, they can still cause extensive wind damage to roofs, windows, siding, garage doors, and other structural elements of properties. A storm damage lawyer can assess the extent of the damage and help you file your insurance claims.
Severe storms can cause extensive damage. In 2025, thunderstorms caused one fatality, seven injuries, and extensive property damage. An attorney can assist you after you have sustained storm and natural disaster damage by properly evaluating your claim and negotiating with your insurance company for fair compensation.
Because Arkansas is a landlocked state, it does not receive the same type of hurricane damage as other states. Still, some strong storms can cause residual hurricane damage here, such as:
Let us help you with your property damage insurance claim so you can focus on other things.
Hailstones can range in size and the severity of damage they cause, from slight to severe. Hailstorms can wreak havoc on residential and commercial properties, causing damage such as:
If you suspect your insurance company is undercutting the value of your damages, you may have a viable hail storm insurance claim that our attorneys can assist you with.
Some storm insurance claims seek compensation after properties sustain water damage caused by rain or water intrusion. Flood claims are generally handled under different insurance policies, which can cause confusion and an opportunity for insurance adjusters to misrepresent policy language.
In addition to the initial damage that floods and water can cause, leaky roofs, water infiltration, and other related problems can cause mold growth that can compromise your family’s health and safety.
Lightning strikes can cause fires, explosions, and electrical damage. Our property damage lawyers can help assess your damage and fight for the compensation that you deserve.
Storms can cause fire damage when electrical cables are loosened. Electrical shock can occur when power lines come into contact with standing water. These issues can lead to resulting fire and smoke damage that compromises your health and safety, potentially requiring you to seek temporary accommodations elsewhere until the property can be repaired.
Fallen trees can cause extensive damage to properties during storms, potentially going through homes and leading to water intrusion.
If you have suffered damage in any of the above events, contact Horton Personal Injury Lawyers today to discuss your situation with our experienced team of attorneys. We have a deep understanding of insurance policies and the claims process. We have successfully resolved many hail, hurricane & wind damage insurance claims for our clients. Call us today for immediate legal assistance.
At Horton Personal Injury Lawyers, we have seen insurance storm damage claims for various reasons, including:
Whether or not these denials are valid depends on the specific circumstances surrounding your case. We can discuss your particular situation during a free case evaluation.
At Horton Personal Injury Lawyers, our team of property damage lawyers can help property owners with storm damage claims when insurance companies deny or devalue claims. Our insurance dispute lawyers have a strong understanding of insurance tactics designed to prevent policyholders from recovering the compensation they deserve. Contact us today for a free consultation.
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