Insurance protects individuals from unforeseen incidents. Fire burns down a home. A car accident decommissions a vehicle. Sickness triggers mounting hospital bills. Specific policies provide money to compensate for these scenarios. Unfortunately, some insurers act in...
Property Damage Insurance Claims
Will your insurance cover a wildfire?
There is no doubt that in the summer months, Texas can get incredibly hot. The combination of extreme heat and a lack of rain can lead to wildfires. These natural disasters pose a risk to forests and land but also to homes. And they can switch paths without warning,...
How do common law and statutory bad faith claims differ?
The responsibility of an insurance company is to negotiate and settle injury or property damage claims in good faith. When issues develop that require resolution in court, what is the difference between common law claims and statutory bad faith claims? Investigation...
Are more blackouts in the future for Texas?
Texas is not used to seeing winter storms, so when an ice storm hit in 2021, it took a toll on the state's energy grid. Blackouts were widespread, and people died as a result. Some people wonder if a blackout could occur again in the state. E&E News explains the...
What are some common homeowner’s insurance questions?
Insurance is a necessity when you own a home, but do you know everything you should about how your homeowner's insurance works? Most people do not. Asking questions about your policy can help ensure when you need to make a claim, you know what to expect. The Texas...
3 common reasons an insurance company may deny your claim
Insurance is a valuable source of security for homeowners. The indemnity may signify the difference between having to go into debt to pay for repairs or not. Because of this, a claim denial may result in stress and anxiety. As a consumer, you have certain rights under...
3 reasons to be wary of an initial insurance settlement offer
Whether your home or business has suffered property damage or you have experienced a severe personal injury, your insurance policy should be there to help you put the pieces of your life and livelihood back together. Unfortunately, as a for-profit business, an...
4 reasons home insurers deny property damage claims
When natural disasters strike, you may expect your home to sustain damage. What you may not expect, however, is for your insurer to deny your home insurance claim. Nonetheless, countless families have had this experience. If you have run into difficulty with your...
Why should I review my insurance policy?
When you make an insurance claim, it is possible to have the insurer tell you your policy does not cover your claim. You may wonder how this can happen. Most often it is because you never reviewed your policy to ensure you had proper coverage. In some cases, it could...
Winter Storm 2021 may be the costliest disaster in Texas history
The financial cost of the winter storm that left dozens dead and millions without power and water could exceed the $125 billion in damage caused by 2017’s Hurricane Harvey. Lawmakers and insurance analysts haven’t settled on an exact estimate, but all 254 Texas...