State Farm’s Hail Claims Playbook | Property Insurance Coverage Law Blog

What happened

Pressure points could instead involve cleaning versus replacing smoke-damaged contents, remediation versus replacement of building components, the extent of smoke and soot contamination, additional living expense duration, code upgrades, debris removal, valuation issues, and decisions about whether the property has sustained covered physical damage. Plaintiffs cite State Farm materials which they say show that after an initial Texas effort, wind and hail tactics were implemented more broadly in January 2021 and that team-manager approval was required for certain full-roof replacements involving damage potentially caused by smaller hail or lighter winds. According to the filing, an April 2020 Accenture presentation identified six Accenture employees working on the project, and subsequent materials involved claim type, jurisdiction, contractors, damage identification, hail size, and matching weather information with reported losses.

Key details

• Plaintiffs cite State Farm materials which they say show that after an initial Texas effort, wind and hail tactics were implemented more broadly in January 2021 and that team-manager approval was required for certain full-roof replacements involving damage potentially caused by smaller hail or lighter winds.
• According to the filing, an April 2020 Accenture presentation identified six Accenture employees working on the project, and subsequent materials involved claim type, jurisdiction, contractors, damage identification, hail size, and matching weather information with reported losses.
• I would want the dashboards, scorecards, executive presentations, performance measurements, adoption reports, financial analyses, internal emails, consultant workpapers, and whatever management was reviewing when somebody reported whether the program was working.

Why it matters to restoration

This belongs on an operator’s radar because insurance behavior sets the rules for documentation, scope disputes, cash flow and customer expectations. If the article points to a carrier, court or coverage trend, the practical question is what proof your next file needs before the argument starts.

What to check next

Check whether your estimates, photos, notes and customer updates would survive the same dispute described in the article.

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