Hidalgo County, Texas Jury Awards $1.8M in Bad Faith Insurance Dispute
A homeowner sued their insurer after a hail storm damaged their house. The homeowner alleged that the insurance adjuster undervalued the damage during an inspection. The case went to a jury, which found in favor of the homeowner and awarded damages.
Case Information Updated: October 2025
Case Outcome
- Outcome
- Verdict-Plaintiff
- Amount
- $1,800,000
- County
- Hidalgo County, TX
- Resolved
- 2017
Injury & Accident Details
- Injury Type
- Other
- Accident Type
- Other
- Case Type
- Insurance Malpractice, Damages, Fraud, Bad faith
Case Overview
A homeowner in Hidalgo County, Texas, filed an insurance claim in 2012 after their residence sustained damage during a hail storm. An adjuster subsequently inspected the property.
The plaintiff later alleged the adjuster failed to properly inspect the home, resulting in an undervalued damage report. The homeowner filed suit in the District Court of Hidalgo County against the insurer, Texas Lloyd's Co., and the adjusting firm, Allcat Claims Service LP. The plaintiff claimed fraud and bad faith, asserting the defendants intentionally undervalued the cost of damages during the inspection process. Texas Lloyd's Co. is a subsidiary of United Services Automobile Association (USAA).
Following a jury trial, the jury found in favor of the plaintiff. The jury awarded $1.8 million in damages, which included $800,000 in exemplary damages against USAA.
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