State Farm Lloyds · Hail and wind
Marcus Henderson & Priya Henderson
4821 Willowbend Court, Katy TX · Claim 37-HR29-4471
Attorney Review Ready
Litigation Timeline
Every deadline, in one line.
Loss date
Hail and wind event confirmed by NOAA storm data for Katy, TX.
Claim filed
Claim 37-HR29-4471 opened with State Farm Lloyds.
Inspection
Carrier adjuster inspection completed on-site.
Sworn proof of loss submitted
Submitted within policy-required window.
Carrier estimate issued
$14,200.00 — Xactimate line-item estimate received.
Contractor estimate issued
$31,800.00 — RoofKing Contracting full-scope estimate.
Underpayment letter received
Carrier position: partial approval, disputed scope.
DOI response deadline
Texas Department of Insurance complaint response window.
ACV/RCV payout window closes
Recoverable depreciation claim window under the policy.
Statute of limitations
Two-year window for first-party property claims in Texas.
File Completeness Score
Attorney Review Ready
This score measures how prepared your file is for review. It is never a measure of legal merit and does not predict outcomes.
Universal basics
- · Policy on file
- · Claim number confirmed
- · Loss date confirmed
- · Property address verified
Case-type expectations
- · Carrier estimate on file
- · Contractor estimate on file
- · Denial/underpayment letter on file
- · Photo evidence on file
Confidence modifiers
- · Correspondence thread complete
- · Endorsement referenced in payment letter — MISSING
What’s missing, and why it matters
Missing endorsement
The carrier's position letter references a wind/hail endorsement that is not present in the supplied policy file.
Inspection date conflict
The adjuster's field notes cite June 18; the correspondence log shows June 19.
Receipt needs confirmation
A proposed extraction of a $640.00 tarp/temporary-repair receipt awaits your confirmation.