Storm Damage Insurance Claims Attorneys
If your property was damaged by wind, hail, or a tornado, our Storm Damage Insurance Claims Attorneys can help you recover every dollar your policy promises. Licensed in Michigan, Ohio and representing select clients nationwide.
At Liss + Earls, our storm damage insurance claim attorneys help policyholders recover full compensation for storm-related property damage — including roof destruction, structural collapse, water intrusion, and business interruption losses from hail, wind, or tornado damage. We handle delayed, denied, and underpaid claims statewide.
Why Storm Damage Insurance Claims Are Surging
Why Storm Damage Insurance Claims Are Surging in Michigan, Ohio and throughout the Country
If it feels like storms are getting worse, you are right. Severe convective storms — hail, tornadoes, straight-line winds, and derechos — have generated over $50 billion in insured losses nationally in each of the last three consecutive years. In 2024 alone, a record 300 days produced hail measuring two inches or larger somewhere in the United States, and more than 567,000 homes were hit by large hail in a single year.
What is driving this? The geographic center of severe storm activity in the United States is shifting east. The corridor that meteorologists once called “Tornado Alley” — historically centered in Oklahoma, Kansas, and Texas — now extends directly into Michigan, Ohio, Indiana, Illinois, and Kentucky. Homeowners and commercial property owners across the Great Lakes region are experiencing more frequent and more damaging storms than at any point in recent history.
This means more roof damage from hail. More structural damage from straight-line winds and tornadoes. More water intrusion from wind-driven rain. And more insurance companies looking for reasons to deny, delay, or underpay the resulting claims.
At Liss + Earls, our storm damage insurance claim attorneys have handled thousands of storm loss cases over nearly four decades. We represent property owners throughout Michigan and Ohio, and we are regularly retained on select large-value storm damage cases nationwide through pro hac vice admission. We understand that storm damage is not always visible from the ground — hidden structural damage to roof decking, insulation, and framing often goes undetected until an independent inspection reveals the full scope of the loss. Insurance companies rely on their own adjusters to minimize these findings. We bring in independent engineers and roofing experts to document what the insurer missed and force full payment under your policy.
Why Choose a specialized Storm Damage Insurance Claims Attorneys?
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Michigan-Based. Nationally Respected.
With 150+ years of combined experience, we’ve recovered millions of dollars for property damage insurance claim victims. We are licensed and represent property owners throughout Michigan, Ohio and in select large value claims nationwide. -
Exclusively Focused on Property Insurance Law
We don’t dabble. Our entire legal team is dedicated to first-party property insurance litigation — and only for policyholders. -
No Recovery, No Fee
We advance all costs and charge no fees unless we win or settle your case.
Common Storm Damage Covered
If your property was hit by a storm in Michigan, your insurance may cover:
Hail or wind damage to roof, siding, gutters, and windows
Falling trees or debris damaging the structure
Water intrusion from wind-driven rain or punctured roofing
Lightning strikes, electrical surges, or structural destabilization
Business income loss due to storm-related closures
Even if the insurer denied your storm damage insurance claim, you may still be entitled to substantial compensation.
Why Storm Claims Get Denied or Underpaid
From tornado damage in Lansing to hail damage in Grand Rapids, and roof collapses in Bloomfield Hills, our storm damage insurance claim attorneys:
Force carriers to reverse denials when you have hail, wind, or tornado damage
Recover six- and seven-figure settlements
Coordinate expert reports to validate hidden structural damage
Protect clients from being pressured into bad-faith settlements
- Our storm damage insurance claim attorneys in Michigan fight denied and underpaid claims statewide
Time Is Critical After a Storm Loss - contact our Storm Damage Insurance Claims Attorneys Today
Don’t wait. Every delay helps the insurer, not you.
Evidence disappears fast — temporary repairs or cleanup can weaken your claim
Insurers may request recorded statements or inspections that harm your case
Deadlines in Michigan policies can limit your legal rights
Let us step in immediately to secure and protect your claim.
Water Damage Claims from Storms or Burst Pipes
Storms often cause secondary water damage — like roof leaks, basement flooding, or soaked insulation — which insurance companies may try to exclude or underpay. If your home or business suffered flooding, interior leaks, or mold growth, our firm also handles Michigan Water Damage Insurance Claims. We ensure hidden water intrusion and long-term damage are properly documented and fully compensated.
Fire Insurance Claims
Storms sometimes trigger electrical fires, lightning strikes, or generator-related damage. If your home or building experienced a fire after a weather event, we also represent clients in Michigan Fire Insurance Claims. We prove smoke, heat, and soot damage — and hold insurers accountable when they refuse to pay full replacement cost.
Business Interruption Claims
Storm-related property damage can shut down your operations for days or weeks. If you’ve lost revenue due to storm damage, we pursue Business Interruption Claims to recover lost income, extra expenses, and operational downtime. Our attorneys know how to document complex losses and prove how the storm affected your bottom line.
Insurance Agent Negligence
In some cases, storm losses are not covered because of a mistake made by your insurance agent — such as failing to recommend proper endorsements or misrepresenting exclusions. If your policy didn’t cover what you were led to believe it did, you may have a claim for Insurance Agent Negligence. We help clients recover what their coverage should have included.
Storm Damage Questions & Answers
What should I do if my insurance company denied my hail damage claim in Michigan?
Do not accept the denial without getting a second opinion. Insurance companies routinely deny hail damage claims by arguing the damage is cosmetic, pre-existing, or caused by normal wear and tear. An experienced storm damage insurance attorney can arrange an independent roof inspection, review your policy language, and challenge the denial. Michigan law allows policyholders to recover 12% penalty interest when insurers wrongfully delay or deny valid claims.
Can I file a storm damage insurance claim if my roof looks fine from the ground?
Yes. Hail and wind damage is frequently invisible from ground level. Impact damage to shingles, cracked roof decking, compromised flashing, and damaged underlayment often require a close-up inspection to detect. Insurance adjusters sometimes perform only a ground-level inspection and conclude there is no damage. We work with independent roofing experts and engineers who climb the roof, document every impact point, and provide detailed reports that prove the full extent of the storm damage.
Does my Michigan homeowners insurance cover tornado damage?
Yes. Standard Michigan homeowners insurance policies cover wind damage, which includes tornado damage. This typically covers structural damage to your home, damage to personal property inside the home, additional living expenses if you cannot live in your home during repairs, and debris removal. However, insurance companies may dispute the extent of tornado damage or attempt to limit your payout. If a tornado damaged your home or business and your insurer is not paying the full cost of repairs, our tornado damage attorneys can help you recover every dollar your policy promises.
What is the difference between wind damage and hail damage on an insurance claim?
Wind damage and hail damage are both covered under the windstorm or storm peril in most Michigan property insurance policies, but they cause different types of destruction. Wind damage typically involves torn or missing shingles, structural movement, broken windows, and fallen trees. Hail damage usually appears as dents or cracks in shingles, siding, gutters, and outdoor equipment. Insurance companies sometimes try to separate these into different claims or argue that only one type of damage occurred. Our attorneys ensure that both wind and hail damage from the same storm event are fully documented and included in your claim.
Michigan & Ohio Communities We Serve for Storm Damage Claims
Our storm damage insurance claim attorneys represent homeowners, commercial property owners, and businesses throughout Michigan and Ohio, including Detroit, Farmington Hills, Southfield, Bloomfield Hills, Troy, Birmingham, West Bloomfield, Rochester Hills, Royal Oak, Novi, Livonia, Canton, Plymouth, Ann Arbor, Dearborn, Grosse Pointe, Sterling Heights, Warren, Macomb County, Oakland County, Wayne County, Grand Rapids, Kalamazoo, Lansing, Flint, Saginaw, Bay City, Midland, Traverse City, Petoskey, Muskegon, Holland, Battle Creek, Jackson, Port Huron, Monroe, the Upper Peninsula including Marquette, Sault Ste. Marie, and Escanaba, and throughout Ohio including Cleveland, Columbus, Cincinnati, Dayton, Toledo, Akron, Canton, and surrounding communities. We also handle select large-value storm damage cases nationwide.