Memphis Hail Damage Insurance Dispute Lawyers
Experienced advocacy when hail destroys buildings, vehicles, and landscaping
Over $250 million recovered for policyholders
Hail is not confined to cold-weather locations. At McWherter Scott & Bobbitt, we’ve successfully represented many hail damage victims throughout the South, including in Tennessee. Severe hail damage, the type that causes leaks, may require a new roof, which can be very costly. Hail can damage siding and windows. Hail, or the storm that causes it, can also lead to downed power lines.
Our Memphis hail insurance dispute lawyers work with experts who verify the cost to repair or replace your roof or any other hail damage. We understand and work to counter the strategies insurance companies use to try to deny or limit insurance claims throughout Tennessee.
Our hail insurance recoveries across the Southeast include:
- $8,900,000 in additional benefits for a school district that suffered hail damage to dozens of its buildings.
- $7,000,000 in insurance proceeds for a municipality after hail damaged dozens of city buildings
- $2,900,000in additional proceeds for a commercial property owner whose buildings suffered structural damage.
- $2,090,000 for a Tennessee shopping center owner’s roof that suffered hail damage.
- $1,750,000for a church after hail damaged the church building’s roof.
- $1,600,000 for a condominium association that suffered hail and roof damage.
How can we help?
Is hail insurance necessary in Tennessee?
Yes. It’s not necessary for the weather to be cold for hail to occur. Most hailstorms occur in the spring and summer, not in the winter.
According to CBS News, hail forms inside thunderstorms.
Thunderstorms are composed of very large, towering, cumulus clouds, many of which can reach more than 50,000 feet up into the atmosphere. Within these clouds exist strong updrafts of air. These updrafts drag water droplets high up into the cloud where air temperatures are below freezing. This causes the water to freeze, creating small balls of ice.
As these balls of ice (hail) grow larger, the updrafts within the cloud can no longer support them, which causes the hail to fall to the ground. For easy reference, the size of hail is compared to specific objects as follows:
- Pea = 1/4-inch diameter
- Mothball = 1/2-inch
- Penny = 3/4-inch
- Nickel = 7/8-inch
- Quarter = 1 inch — hail quarter size or larger is considered severe
- Ping-pong ball = 1 1/2 inches
- Golf ball = 1 3/4 inches
- Tennis ball = 2 1/2 inches
- Baseball = 2 3/4 inches
- Teacup = 3 inches
- Softball = 4 inches
- Grapefruit = 4 1/2 inches
As recently as May 14, 2025, a hailstorm struck Middle Tennessee. One Southern Tennessee county suffered “fierce hail” that covered roads and stripped trees of their leaves.
According to Chase Day, a weather resource, the most common months for hail are February, March, and April due to the transition from winter to spring. Middle Tennessee has also had many hailstorms during the summer.
What types of damage does hail insurance cover in Memphis?
Our Memphis hail insurance dispute lawyers handle claims involving hail that damages:
- Roofs (including damage to shingles and leaks) by puncturing, denting, or cracking the shingles.
- Windows, skylights, and any type of glass.
- Siding and other property exteriors.
- Downspouts and rain gutters.
- Electrical units, including air-conditioning.
- Landscaping, including fences.
Hail damage can also cause water damage and mold damage.
At McWherter Scott & Bobbitt, we work with roofers, plumbers, window specialists, painters, and other property experts to assess the damage to every part of your home or building.
What types of insurance disputes involving hail do you handle?
Our Memphis hail insurance dispute lawyers handle the following types of issues:
- We review your insurance policy to show that your homeowner’s or commercial policy covers hail damage. Generally, these policies cover hail damage unless there is a specific exclusion.
- Assessment of damages. Our lawyers work with experts to show that the damage to your roof or other parts of your property is due to hail damage and not other causes. We review when repairs can be effective and when you need to fully replace your roof or other damaged property. Among other issues, we review how long your roof, siding, and other damaged property can provide protection from the elements and look attractive.
- Our experts detail the parts, labor, time, and other factors that affect the cost of repairs or replacement. If you need to replace your roof, siding, or other parts of your home or building structure, we work to obtain the funds to fully replace those items (so they look and function like they did before the hailstorm) – instead of the actual value of your roof, siding, or window, which is often much less than the replacement value.
- Bad faith. Our lawyers file bad-faith insurance complaints when insurance companies wrongfully deny your claim or delay paying you in order to pressure you into a bad settlement.
How do you advocate for hail insurance victims in Memphis?
McWherter Scott & Bobbitt helps home and commercial property owners in the following ways:
- Notify your insurance carrier and file a formal claim for insurance proceeds.
- Hire skilled and experienced inspectors and contractors.
- Determine what work needs to be done to restore your property, the cost of the work, and the timeline for completing the work.
- Review the estimates the insurance carrier may obtain – and contest them when they fail to meet the estimates we obtain from our network of contractors.
- Contest any effort to deny or limit your insurance claim.
- Negotiate fair and timely settlements.
- Persuasively argue your case in court if a settlement cannot be reached.
Do you have a Memphis hail insurance dispute lawyer near me?
Our Tennessee insurance loss attorneys meet hail damage victims at our office in Memphis, located at 6000 Poplar Avenue, Suite 250, in Memphis, Tennessee. We also consult with policyholders by phone and through online video platforms, such as Zoom and FaceTime.
We’re here to answer all your questions, explain what short-term compensation you should receive, and fight for full compensation for all your damages.
Make the call to McWherter Scott & Bobbitt now
Hail can cause extensive physical damage as each pellet strikes your property. Our Tennessee hail insurance dispute attorneys help residential and commercial property owners when natural disasters cause damage. You paid expensive premiums to ensure you had coverage for hailstorms. Our insurance dispute lawyers ensure that you obtain the insurance proceeds you deserve at the time you need those proceeds. Our lawyers are ready to help. Please phone us or complete our contact form to schedule a consultation. Our lawyers also represent policyholders throughout Tennessee and in Mississippi, Kentucky, Alabama, Georgia, Missouri, and Arkansas.