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Steven Badger
Partner
Dallas
901 Main Street
Suite 4000
Dallas TX 75202
TEL: (214) 749-4207
FAX: (214) 760-8994
{ mail } sbadger@zelle.com
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Practice Areas
Bar and Court Admissions
Education
Past Professional Experience

Steven J. Badger

Steve represents the commercial property insurance industry in emerging and significant risk exposures, both as a plaintiff in large loss catastrophe subrogation matters and as a defendant in coverage matters involving weather related litigation.  

Currently, Steve’s practice is devoted entirely to leading the insurance industry response to the emerging hail risk.   His practice focuses solely on addressing the issues arising in hail damage claims and resulting litigation.  In addition to representing his clients in litigated disputes, Steve spends considerable time working with the insurance industry and other interested stakeholders in finding solutions to the abuses and outright fraud prevalent in these matters.   This includes development of policy form changes and legislative solutions to address common issues, as well as the identification and pursuit of actions against fraudulent actors involved in these matters. 

Prior to his hail work, Steve devoted a decade of his career to leading the $5 billion subrogation action arising from the 9/11 Terrorist Attack.  As a lead lawyer on the Plaintiffs’ Executive Committee, Steve was involved in directing all aspects of the action on behalf of the entire group of property damage plaintiffs.  The litigation was settled for $1.2 billion, reportedly the largest subrogation recovery ever obtained by the insurance industry. 

Generally, Steve's large loss catastrophe subrogation practice includes losses involving fires, explosions, product failures, building collapses, and other catastrophic events. He has handled subrogation matters across the United States and in several foreign countries. Steve has developed a particular expertise in losses involving natural disasters, such as hurricanes, windstorms, hailstorms, snowstorms, and floods. Typical losses involve hail damage to roofing products, building collapses under the weight of rainwater or snow, flood damage to buildings, and the blow-off of roofing systems during significant wind events. 

Steve’s coverage practice focuses on the niche area of claims involving roofing and other construction products arising from weather events. He regularly assists his clients in addressing common adjustment and coverage issues typically arising in these losses and represents their interests in subsequent coverage litigation.   

An entertaining and informative speaker, Steve is frequently asked to present for industry groups and clients concerning both his subrogation and coverage practices.  He also writes frequently on issues arising in his litigation practice.‚Äč

Representative Matters

In re September 11 Litig., 1:21-MC-00101-AKH, 2010 U.S. Dist. LEXIS 66905 (S.D.N.Y. July 1, 2010) (order and opinion granting joint motion to approve property damage settlement)

In re September 11 Litig., 1:21-MC-00101-AKH (S.D.N.Y, Aug. 13, 2009) (order and opinion denying motions to dismiss all claims of subrogated insurers)

Federal Ins. Co., Inc. v. HPG International, Inc. (claims involving failure of commercial roofing product)

Articles & Presentations

Steven Badger Quoted in Insurance Law360 Regarding Contractors Illegally Acting as Public Adjusters, November 29, 2018

Steven Badger Quoted in SE Texas Record: Law Firm Sued Over Hail Litigation Payments, November 12, 2018

Steven Badger Quoted in Insurance Law360 Regarding Fraudulent Hail Claim Lawsuit, October 23, 2018

Steven Badger Quoted in Insurance Law360 Regarding Post-Harvey Coverage Suits, August 20, 2018

Steven Badger Quoted in Claims Journal: Federal Court Ruling Vacates Hail Claim Appraisal Award, July 26, 2018

Steven Badger Quoted in SE Texas Record Regarding Hail Attorney Conviction in Barratry Scheme, July 9, 2018

Steven Badger Discusses "Contractor vs. Carrier" Issues in TX With Anthony Delmedico, July 3, 2018

"Weather Related Claims and Forces of Nature," 2018 Advanced Insurance Law Seminar, San Antonio, TX, June 27, 2018, co-presenter

"Subrogation Actions: Insurance & Public Policy Issues Arising from the 9/11 Terrorist Attack," Loss Executives Association’s 87th Spring & Education Conference, Newport, RI, June 6-8, 2018, presenter

"Ethical Considerations in Handling Hurricane Claims," HarrisMartin’s Hurricane Litigation Conference: Navigating the Most Expensive Hurricane Season in U.S. History - A Claims Handling Boot Camp, Miami Beach, FL, May 22, 2018, presenter 

Steven Badger Testifies Before Texas House of Representatives: House Committee on Insurance, April 24, 2018

Steven Badger Interviewed - What the Hail is Going on in Texas in 2018, March 20, 2018

"Subrogation Arising From the 9/11 Terrorist Attack: Million Dollar Lessons from a Billion Dollar Case," Combined Claims Conference, Garden Grove, CA, March 6, 2018, keynote speaker

"Yes, Hail No!," Property Insurance Law Committee (PILC) Spring CLE Meeting hosted by the American Bar Association, Nashville, TN, March 1-3, 2018, panelist

"Contractor vs. Carrier," Win the Storm Conference, Las Vegas, NV, March 1-3, 2018, co-presenter

Crawford’s 2018 CAT Conference, San Antonio, TX, February 25-March 1, 2018, keynote speaker

"Insurance and Public Policy Issues Arising From the 911 Terrorist Attack," Joe Vincent Management Seminar hosted by the Independent Insurance Agents of Texas, Austin, TX, January 28-30, 2018, presenter

"Fixing Problems in the Texas Insurance Appraisal Process," Texas Law360, January 24, 2018, author

"Merlin vs. Badger: The Great Debate Sequel," 2018 WIND Conference, Orlando, FL, January 14-19, 2018, co-presenter 

Steven Badger Quoted in D CEO Magazine Regarding HB 1774’s Impact on Insurance Claims, December 8, 2017

"Common Disputes & Emerging Issues in the Large Commercial Roofing Loss," PLRB Large Loss Conference, Ft. Worth, TX, November 15-17, 2017, co-presenter

"Perspectives from the Defense," HarrisMartin’s Hurricane Harvey Conference, Houston, TX, October 19, 2017, co-presenter

Steven Badger Quoted in Claims Journal Regarding TX Roofer Appealing Class Certification in Case Alleging Hail Damage Solicitation, September 22, 2017

Steven Badger Quoted in Claims Journal Regarding First Harvey Lawsuit Filed to Beat New Texas Law, September 4, 2017

Steven Badger Quoted in Claims Journal Regarding Public Adjuster Charged With Insurance Fraud, August 25, 2017

Steven Badger Quoted in SE Texas Record Regarding Hail Lawsuit Sanctions, August 21, 2017

Steven Badger Quoted in Claims Journal Regarding Class Action Against Roofer in Hail Damage Solicitation, August 8, 2017

"Insurance and Public Policy Issues Arising From the 911 Terrorist Attack," Texas Surplus Lines Association (TSLA), Vail, CO, July 16-19, 2017, presenter

"One of Subrogation’s Largest Property Cases – Lessons for All," National Association for Subrogation Professionals webinar, June 28, 2017, presenter 

"Insurance/Legislative Update," State Bar of Texas Annual Meeting, Dallas, TX, June 23, 2017, presenter

"TX Hail Claims & Lawsuits . . . What the Hail™ is Going On?," Independent Insurance Agents of Dallas, June 21, 2017, presenter

Steven Badger Quoted in Claims Journal Regarding Hail Attorney Indicted for Barratry and Fraud, June 9, 2017

Steven Badger Quoted in Construction Dive on Roofing Oversight Rules, May 25, 2017

Steven Badger Quoted in Dallas Morning News Regarding Illegality of Not Paying Insurance Deductibles, May 12, 2017

Steven Badger Quoted in SE Texas Record Regarding Hail Suits Filings Before HB 1774 Vote, May 8, 2017

Steven Badger Interviewed on Unauthorized Practice of Public Adjusting, May 2, 2017

Steven Badger Quoted in Claims Journal Regarding Pending Hail Legislation in Texas, May 1, 2017

Steven Badger Interviewed Regarding Voluntary Certification Program for TX Roofers, March 27, 2017

Steven Badger Quoted in SE Texas Record Regarding TX Mass Storm Litigation, March 27, 2017

Steven Badger Profiled in Dallas Morning News Regarding Efforts to Pass TX Bill on Roofer Crimes, March 24, 2017

Steven Badger Quoted in Dallas Morning News Regarding Voluntary Certification for TX Storm-Chasing Roofers, March 9, 2017

Steven Badger Quoted in SE Texas Record Regarding Hidalgo County Barratry Charge, February 10, 2017

"Merlin vs. Badger: The Great Debate On All Things Appraisal and Hail Related," 2017 Windstorm Conference, Orlando, FL, January 29-February 2, 2017, co-presenter

"Texas Hail Claims: What the Hail™ is Going On?," Joe Vincent Management Seminar hosted by the Independent Insurance Agents of Texas, Austin, TX, January 29-31, 2017, presenter

"San Antonio Hail Suit Standing Orders: Here We Go Again!" Texas Law360December 13, 2016, co-author

"Cost Drivers Panel: Risky Business," PCI Annual Meeting, Dallas, TX, October 24-25, 2016, panelist

Steven Badger Quoted in SE Texas Record Regarding Hail Lawsuit Feeding Frenzy, August 16, 2016

"The Emerging Hail Risk – What The Hail™ Is Going On?," ACE  (America’s Claims Event) Conference, Minneapolis, MN, June 22-24, 2016, presenter

"The Emerging Hail Risk: Update from the Trenches," Lloyd's Market Association Masterclass, June 8, 2016, co-presenter

Steven Badger Quoted in Claims Journal Regarding States Impacted by Barrage of Hail Lawsuits, May 31, 2016

"Avoiding Bad Faith Allegations  -- Good Faith For Texas Adjusters," Texas Independent Insurance Adjusters Association (TIAAA), Dallas, TX, May 5, 2016, presenter

"The Hail Lawsuit Feeding Frenzy: Update From The Trenches," 2016 PLRB Claims Conference, San Antonio, TX, April 17-20, 2016, presenter

"The Emerged Hail Risk: The Balanced Solutions," Claims Journal, April 13, 2016, author

Steven Badger Quoted in SE Texas Record on Hailstorm Litigation Leading to Potential Limitation on Insurance Coverage, April 8, 2016

"The Emerged Hail Risk: What the Hail™ is Still Going on and Getting Worse?," Claims Journal, April 6, 2016, author

Steven Badger Quoted in Property Insurance Report Regarding Hail Claim Litigation in Texas, April 4, 2016

Steven Badger Quoted in Southeast Texas Record Regarding State Farm Defeat of Hail Claim Lawsuit, March 28, 2016

Steven Badger Interviewed by KPRC Houston Regarding Frivolous Hail Lawsuits, February 19, 2016

"Weather Damage Claims: What the Hail™ is the Fuss All About," 2016 Northwest Loss Association Conference, Bloomington, MN, February 17, 2016, presenter

"Lawsuits from 2013 hailstorm continue to clog legal system," Steven Badger quoted, Amarillo Globe News, December 15, 2015

"Scare tactics, fraud and barratry – the ‘feeding frenzy’ that has become mass insurance litigation in Texas," Steven Badger quoted, Southeast Texas Record, December 10, 2015

"Hailstorms, the new hurricane litigation boom for Texas trial lawyers," Steven Badger quoted, Southeast Texas Record, September 3, 2015

"Attorney: Hail Claims 'Cottage Industry' Bad News for Texas," Steven Badger quoted, Insurance Journal, August 10, 2015

"What the Hail™ is Going On?," Loss Executive Association’s (LEA) 84th Spring Meeting and Educational Conference, Newport, RI, June 10-12, 2015, co-presenter

"Hail Damage Claims: What The Hail™ Is Going On?," 2015 PLRB Claims Conference, Anaheim, CA, March 30—April 1, 2015, co-presenter

"Update on Key Issues Affecting Hail Claims," Lloyd's Market Association Masterclass, March 19, 2015, co-presenter

"And Another Texas Court Realizes What The Hail™ Is Going On?," December 3, 2014, author

"Texas Juror Witnesses Firsthand What the Hail™ is Going on in Texas," Claims Journal, December 1, 2014, author

"Texas Insurance Appraisals - A Process Run Amok?," UT Law's 19th Annual Insurance Law Institute, November 13, 2014, co-presenter

"Texas Hail Damage Claims - Update from the Trenches Webinar," October 22, 2014, presenter

"NY Joins Texas In The Broad Use Of Appraisal," Insurance Law360August 28, 2014, author

"The Emerging Hail Risk: What The Hail™ Is Going On?," Claims Journal, Spring 2014, author

"Texas Hail Damage Claims Seminar—What The Hail™ Is Going On?," March 6, 2014, presenter

"What The Hail™ Is Going On In Texas?," Law360, December 19, 2013, author

"Hail Damage Claims - What The Hail™ Is Going On?," Lloyd's Under 30's seminar, May 17, 2013, presenter

“There Has Got To Be A Better Way  --  Strategies For Early Resolution of Complex Subrogation Matters,” ExecuSummit, Uncasville, CT, April 9, 2013, presenter

"First Party Property Insurance Appraisals – Time to Lawyer Up?,"  West LegalEdcenter webcast, April 2, 2013, presenter

"Hail Damage Claims - What The Hail™ Is Going On?," Emerging Issues in Property Insurance, Chicago, IL, March 28, 2013, co-presenter

Publisher – “Texas Hail Claims Bulletin", a monthly email bulletin providing information and resources relating to hail damage claim issues.  To subscribe, email dgruber@zelle.com.

Professional Affiliations

Noteworthy

Steve recently served on the Property Damage Plaintiffs Executive Committee leading subrogation efforts from the 9/11 terrorist attack.

Steve assisted the Texas Legislature in enacting new licensing requirements governing the conduct of public adjusters.

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