Insurance lawyers who handle claims being denied are usually asked whether not their attorney fees can be recovered. The answer is usually a “Yes” but their are requirements to be met in order to recover those attorney fees. One of those requirements include giving a pre-suit notice letter in proper form.
In cases where the loss has resulted from an act of nature such as hail storms, tornadoes, hurricanes, freezes, etc. there is a further loop that must be followed involving the timing of the pre-suit notice letter.
Here is a 2023, opinion from the Eastern District of Texas, Tyler Division, that is worth reading. It is styled, Curt Adkisson v. Safeco Insurance Company Of Indiana.