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
Settlement Context
This verdict-plaintiff of $1,800,000 is above the median of $22,000 for other cases resolved by verdict-plaintiff. The typical range is $8,200 to $102,285, based on 304 cases in our database.
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.
Understanding This Case
- This case went to trial and resulted in a jury verdict. Verdicts can yield higher awards but carry the risk of receiving nothing if the jury rules against the plaintiff.
- This case was resolved in Hidalgo County, Texas. Local jury tendencies, judge assignments, and regional economic conditions all influence case outcomes in this jurisdiction.
- Resolved in 2017, this case reflects the legal and economic conditions of that period, including medical costs, insurance practices, and jury award trends at the time.
VerdictlyTM Score
This outcome significantly deviates from similar cases
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