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# The Hodge Law Firm

## Sitemaps

- [XML Sitemap](https://www.hodgefirm.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://www.hodgefirm.com/blog/) - The Hodge Law Firm Legal Blog Stay informed with legal insights from our team.
- [Hail Damage To Commercial Property In Texas](https://www.hodgefirm.com/blog/2026/08/hail-damage-to-commercial-property-in-texas/) - If your Texas commercial property suffered hail damage and your insurance company is not paying fairly or timely, The Hodge Law Firm is ready to help.
- [What To Do After Hail Damage In Texas](https://www.hodgefirm.com/blog/2026/08/what-to-do-after-hail-damage-in-texas/) - At The Hodge Law Firm, we help Texans get fair compensation when insurance companies deny, delay, or underpay valid hail damage claims.
- [When Should You Hire A Lawyer For A Hurricane Insurance Claim?](https://www.hodgefirm.com/blog/2026/08/when-should-you-hire-a-lawyer-for-a-hurricane-insurance-claim/) - At The Hodge Law Firm, we help homeowners and business owners with hurricane insurance disputes. We know the challenges you face after a severe storm.
- [Why Hurricane Claims Are Denied In Coastal States](https://www.hodgefirm.com/blog/2026/08/why-hurricane-claims-are-denied-in-coastal-states/) - Since coastal properties face years of wind, rain, humidity, salt air, and storms, insurers may argue that some damage was there before the hurricane.
- [Business Interruption Claims After Hurricane Damage In Florida](https://www.hodgefirm.com/blog/2026/08/business-interruption-claims-after-hurricane-damage-in-florida/) - The Florida hurricane damage attorneys at The Hodge Law Firm discuss Florida Hurricane Damage Business Interruption Claims and offer a free consultation.
- [Commercial Hurricane Damage Claims In Florida](https://www.hodgefirm.com/blog/2026/08/commercial-hurricane-damage-claims-in-florida/) - Our Florida Commercial Hurricane Damage Attorneys t The Hodge Law Firm discuss how to file a Commercial Hurricane Damage claim in Florida.
- [What To Do After Hurricane Damage In Louisiana](https://www.hodgefirm.com/blog/2026/08/what-to-do-after-hurricane-damage-in-louisiana/) - the Louisiana hurricane damage attorneys at The Hodge Law Firm explain what to do after hurricane damage in Louisiana and offer a free consultation.
- [What If The Insurance Company Says Your Damage Was Preexisting?](https://www.hodgefirm.com/blog/2026/08/what-if-the-insurance-company-says-your-damage-was-preexisting/) - The property damage attorneys at The Hodge Law Firm explains what to do If the insurance company says your damage is preexisting and won't pay.
- [Commercial Roof Hail Damage Claims In Louisiana](https://www.hodgefirm.com/blog/2026/07/commercial-roof-hail-damage-claims-in-louisiana/) - Our Louisiana commercial hail damage attorneys at The Hodge Law Firm discuss the legal issues around Commercial Roof Hail Damage Claims In Louisiana.
- [Underpaid Hail Damage Claims: What Property Owners Should Know](https://www.hodgefirm.com/blog/2026/07/underpaid-hail-damage-claims-what-property-owners-should-know/) - Our hail damage claim attorneys at The Hodge Law Firm explains underpaid hail damage claims and what property owners need to know.
- [Why Was My Hurricane Insurance Claim Denied?](https://www.hodgefirm.com/blog/2026/07/why-was-my-hurricane-insurance-claim-denied/) - Our hurricane damage attorneys at The Hodge Law Firm answer the question, Why Was My Hurricane Insurance Claim Denied?
- [Disputing An Oklahoma Insurance Adjuster’s Estimate](https://www.hodgefirm.com/blog/2026/07/disputing-an-oklahoma-insurance-adjusters-estimate/) - Our Oklahoma property damage attorneys at The Hodge Law Firm discuss disputing an Oklahoma insurance adjuster's claim estimate and how to get fair compensation.
- [Business Interruption Claims After Severe Hail Damage](https://www.hodgefirm.com/blog/2026/06/business-interruption-claims-after-severe-hail-damage/) - At The Hodge Law Firm, we know how stressful it is when a hailstorm damages your business, and your insurance company does not respond fairly or quickly.
- [Commercial Hail Damage Claims In Oklahoma](https://www.hodgefirm.com/blog/2026/07/commercial-hail-damage-claims-in-oklahoma/) - At The Hodge Law Firm, we help commercial property owners with complicated hail damage insurance disputes. We work to hold insurance companies accountable.
- [What If The Insurer Says Hail Damage Is Cosmetic Only?](https://www.hodgefirm.com/blog/2026/07/what-if-the-insurer-says-hail-damage-is-cosmetic-only/) - At The Hodge Law Firm, we help homeowners and business owners with complicated hail damage insurance disputes after severe storms roll through.
- [What To Do After Hurricane Damage In Florida](https://www.hodgefirm.com/blog/2026/07/what-to-do-after-hurricane-damage-in-florida/) - At The Hodge Law Firm, we represent homeowners and business owners involved in complex hurricane insurance disputes after severe storms.
- [Roof Hail Damage Claims: How Insurers Dispute Storm Damage](https://www.hodgefirm.com/blog/2026/07/roof-hail-damage-claims-how-insurers-dispute-storm-damage/) - At The Hodge Law Firm, we help homeowners and business owners with complicated hail damage insurance disputes after severe thunderstorms.
- [What To Do After Hail Damage In Oklahoma](https://www.hodgefirm.com/blog/2026/06/what-to-do-after-hail-damage-in-oklahoma/) - Hailstorms are common in Oklahoma. Each year, strong thunderstorms bring hail that can seriously damage homes, businesses, apartments, and commercial buildings.
- [Wind Damage Vs. Flood Damage In Hurricane Insurance Claims](https://www.hodgefirm.com/blog/2026/06/wind-damage-vs-flood-damage-in-hurricane-insurance-claims/) - The Hodge Law Firm helps policyholders get the insurance benefits they deserve when insurers try to avoid responsibility or reduce hurricane-related payouts.
- [How Insurance Companies Dispute Hurricane Roof Damage](https://www.hodgefirm.com/blog/2026/06/how-insurance-companies-dispute-hurricane-roof-damage/) - Strong winds, flying debris, and heavy rain can ruin a roof in just a few hours. Many property owners find that fixing the roof is only part of the problem.
- [Disputing An Insurance Adjuster’s Estimate After A Louisiana Hurricane](https://www.hodgefirm.com/blog/2026/06/disputing-an-insurance-adjusters-estimate-after-a-louisiana-hurricane/) - At The Hodge Law Firm, we help Louisiana homeowners and business owners with complex insurance disputes after hurricane damage from wind and flooding.
- [Delayed, Denied, And Underpaid Hurricane Insurance Claims](https://www.hodgefirm.com/blog/2026/06/delayed-denied-and-underpaid-hurricane-insurance-claims/) - At The Hodge Law Firm, we help property owners who are dealing with complicated insurance disputes after hurricanes throughout the South and the East Coast.
- [Bad Faith Insurance Claims After A Hurricane](https://www.hodgefirm.com/blog/2026/06/bad-faith-insurance-claims-after-a-hurricane/) - The Hodge Law Firm helps homeowners and business owners with tough insurance disputes after hurricane damage all along the Gulf Coast and Eastern Seaboard.
- [Hail Damage Claims For Apartment Buildings And Rental Properties](https://www.hodgefirm.com/blog/2026/06/hail-damage-claims-for-apartment-buildings-and-rental-properties/) - The Hodge Law Firm helps apartment owners, landlords, real estate investors, and property managers with complex insurance disputes after hail damage.
- [How to Handle Hurricane Damage](https://www.hodgefirm.com/blog/2024/10/how-to-handle-hurricane-damage/) - Learn how to handle hurricane damage claims and combat bad-faith insurance denials effectively. Get the compensation you deserve. Call 409-762-5000 today.
- [Wind and Hail Damage is a Growing Concern in Texas](https://www.hodgefirm.com/blog/2024/11/wind-and-hail-damage-is-a-growing-concern-in-texas/) - Wind and hail damage to your personal property, business, or institution is truly a significant issue in the Lone Star State, causing extensive destruction.
- [When The Sky Falls: Understanding Hail Damage & Insurance Claims](https://www.hodgefirm.com/blog/2025/08/when-the-sky-falls-understanding-hail-damage-insurance-claims/) - By understanding hail damage and knowing your rights, you’re better equipped to tackle insurance claims head-on. The Hodge Law Firm is here to help.
- [Water Damage: How To Navigate Bad Faith Insurance](https://www.hodgefirm.com/blog/2025/10/water-damage-how-to-navigate-bad-faith-insurance/) - After experiencing water damage from a flood or storm, dealing with delayed, denied, or insufficient insurance payouts can be frustrating.
- [4 Immediate Steps Texas Homeowners Must Take After Water Damage](https://www.hodgefirm.com/blog/2026/03/4-immediate-steps-texas-homeowners-must-take-after-water-damage/) - When water damages your Texas home, the steps you take immediately matter. Insurers expect property owners to take reasonable steps to stop ongoing loss and limit further damage, which is called the duty to mitigate. Acting quickly protects your property, preserves your claim and reduces the chance an insurer will argue you failed to mitigate.
- [What’s the 51% rule in Texas?](https://www.hodgefirm.com/blog/2024/08/whats-the-51-rule-in-texas/) - Did you know that different states have different rules when it comes to when you can collect damages after a car accident? In Texas, you must be 50% or less responsible.
- [What constitutes bad faith on the part of an insurer?](https://www.hodgefirm.com/blog/2022/08/what-constitutes-bad-faith-on-the-part-of-an-insurer/) - 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 bad faith. Such companies may deny claims, delay payment or pay less than they should. Signs of bad faith
- [Watch out for these bad faith insurance practices](https://www.hodgefirm.com/blog/2022/04/watch-out-for-these-bad-faith-insurance-practices/) - Insurance premiums can be a significant expense, but you make these payments with the expectation that your insurance provider will treat you fairly if you ever need to make a claim. Unfortunately, insurance companies have developed a reputation for using unsavory tactics to avoid paying settlements. If your insurer fails to fulfill their duties to
- [What to do after a homeowner’s insurance claim denial](https://www.hodgefirm.com/blog/2021/01/what-to-do-after-a-homeowners-insurance-claim-denial/) - When you pay for homeowner’s insurance, you may do so to help ensure that you have the money you need to cover damages if something unanticipated happens. Hailstorms, hurricanes and floods are among the hazards you face as a Texas and Gulf Coast homeowner. When your insurance company fails to make you an appropriate offer
- [What are some common homeowner’s insurance questions?](https://www.hodgefirm.com/blog/2021/12/what-are-some-common-homeowners-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 Department of Insurance explains you want to
- [Reviewing a property owner’s duty of care in Texas](https://www.hodgefirm.com/blog/2022/04/reviewing-a-property-owners-duty-of-care-in-texas/) - Galveston residents likely assume that in any situation where they suffer an injury on another's property, liability for such an incident lies with the property owner. Such is the foundation of premises liability law. However, oftentimes assigning such liability is not so cut-and-dry. Many come to the team here at The Hodge Law Firm, PLLC
- [Can loss of consortium claims protect an injured seaman’s spouse?](https://www.hodgefirm.com/blog/2023/05/can-loss-of-consortium-claims-protect-an-injured-seamans-spouse/) - When your seafaring partner is injured, everything changes. It can shake the strong foundation of your marriage. It can also leave you with emotional, physical and financial challenges. This is where the loss of consortium steps in. It is a legal path that protects your rights as a spouse and helps you seek compensation. Understanding
- [What clauses should I watch for in my homeowner’s insurance?](https://www.hodgefirm.com/blog/2023/08/what-clauses-should-i-watch-for-in-my-homeowners-insurance/) - Homeowner's insurance is a necessity to protect your investment. The Insurance Information Institute reported over $51 million in losses paid by property insurers. Still, many homeowners discover when filing a claim that their policies do not offer the coverage they thought. To avoid ending up in this situation, it is essential to understand your insurance policy
- [Should you accept an insurance company’s first offer?](https://www.hodgefirm.com/blog/2023/11/should-you-accept-an-insurance-companys-first-offer/) - If you are suffering from injuries sustained in a car accident, you are likely facing mounting medical bills. These are in addition to your everyday living expenses, a damaged car, and possibly a loss of income. So when the insurance company offers you a settlement, it's tempting to take it. However, the payment they're offering
- [Why drunk drivers often aren’t hurt as seriously as their victims](https://www.hodgefirm.com/blog/2024/03/why-drunk-drivers-often-arent-hurt-as-seriously-as-their-victims/) - Most everyone has heard of car crashes caused by drunk drivers where the impaired driver emerges with only cuts and bruises while those in other vehicles suffer serious or fatal injuries. There are physiological reasons for why this sometimes happens. As you might suspect, it has a lot to do with the drunk (or drugged)
- [Words that strike terror in a sailor’s heart](https://www.hodgefirm.com/blog/2024/04/words-that-strike-terror-in-a-sailors-heart/) - “MAN OVERBOARD!” It’s the call you never want to hear. The moment the alarm goes out, all hands on deck spring to action. Response speed is critical when attempting to save someone who has gone overboard. Falling overboard can happen when a ship is either docked or sailing. That's why it's crucial to carry personal
- [The strange reason drivers don’t see motorcycles](https://www.hodgefirm.com/blog/2024/08/the-strange-reason-drivers-dont-see-motorcycles/) - In some motorcycle accidents, the root cause is that the driver never looked for the motorcycle at all. In fact, you will see billboards and bumper stickers with messages like “Look twice, save a life.” This is to remind drivers to be wary of motorcycles and to check for them before turning, changing lanes and
- [Texas ranks first in the nation for wrong-way crashes](https://www.hodgefirm.com/blog/2021/07/texas-ranks-first-in-nation-for-wrong-way-crashes/) - Texas ranks high in terms of the number of wrong-way crash fatalities it sees each year, and the number of people dying in such wrecks is rising rapidly. Many wrong-way crashes share similar elements in common, so working to eliminate these common threads may help save lives across the state. Per CBS 19, the number
- [Can I hold a vessel owner liable for the negligence of care?](https://www.hodgefirm.com/blog/2021/10/can-i-hold-a-vessel-owner-liable-for-negligence-of-care/) - If you work as a seaman or you know someone in that occupation, you probably know about The Merchant Marine Act of 1920, commonly referred to as the Jones Act. This federal law establishes rights for seamen injured during the course of employment to hold their employers liable for injuries, including negligence in care after
- [In a Jones Act negligence claim, what are “maintenance and cure”?](https://www.hodgefirm.com/blog/2022/06/in-a-jones-act-negligence-claim-what-are-maintenance-and-cure/) - Perhaps you are a maritime worker and suffer from an injury you sustained while serving as a deckhand on a freighter. Under the provisions of the Jones Act, your employer failed to provide you with “maintenance and cure.” What does this mean and what should you do about it? About the Jones Act If you
- [How cognitive rehabilitation works](https://www.hodgefirm.com/blog/2023/10/how-cognitive-rehabilitation-works/) - In 2020, the Centers for Disease Control and Prevention reported that 214,110 people had to go to the hospital because of head injuries in the U.S. After leaving the hospital, many of them probably needed different kinds of therapy. One helpful option is cognitive rehabilitation. It helps improve how people think and helps them get
- [How to handle hurricane damage claims](https://www.hodgefirm.com/blog/2024/10/how-to-handle-hurricane-damage-claims/) - Hurricanes can leave a trail of devastation for homeowners and businesses. After facing such disasters, dealing with insurance claims afterward adds even more stress. It’s crucial to understand how hurricane damage impacts insurance claims and what to do if you face a bad faith denial from your insurance provider. Identifying hurricane damage Hurricane damage can
- [Faulty brakes and devastating car accidents](https://www.hodgefirm.com/blog/2023/04/faulty-brakes-and-devastating-car-accidents/) - Ford recently issued a recall for 1.3 million cars in the US over an issue with their front brake hoses. Should you be worried? Leaky brake hoses might not sound like much, but they can lead to motor vehicle accidents if left unchecked. According to data from the National Highway Traffic Safety Administration, an estimated
- [The rules are different out at sea](https://www.hodgefirm.com/blog/2023/04/the-rules-are-different-out-at-sea/) - Texas is one of the states located beside a body of water, the Gulf of Mexico. It is home to business operations that require their employees to be out at sea. Being out at sea can present complex and hazardous issues. Even though you live in Texas and your employer is based in the state,
- [Why the insurance company might deny a commercial property claim](https://www.hodgefirm.com/blog/2023/04/why-the-insurance-company-might-deny-a-commercial-property-claim/) - When you experience damage to your commercial property, either due to a natural disaster, vandalism or any other unfortunate event, filing a claim with your insurance company is the first step toward protecting your business and getting back on track. If your insurer denies your claim, however, you might be at a loss for what
- [Windstorm insurance – does your business have it?](https://www.hodgefirm.com/blog/2023/04/windstorm-insurance-does-your-business-have-it/) - Florida may be known as America’s hurricane capital, but Texas also experiences its fair share of tropical storms. A total of 301 hurricanes have made landfall in the U.S. since 1851, and 64 have passed through Texas – a number only beaten by Florida’s whopping 120. If you’re a Texan business owner, you’ll want windstorm
- [Is the cruise ship company responsible if I contract Legionnaires’ disease?](https://www.hodgefirm.com/blog/2023/05/is-the-cruise-ship-company-responsible-if-i-contract-legionnaires-disease/) - While the COVID-19 pandemic severely impacted the cruise ship industry for a few years, the sector appears ready for recovery. In its recent industry report, the Cruise Lines International Association (CLIA) found that 85% of travelers who have previously gone on a cruise vacation said they would go on a cruise again this year –
- [The risk of heart injuries and failure following car collisions](https://www.hodgefirm.com/blog/2023/05/the-risk-of-heart-injuries-and-failure-following-car-collisions/) - Motor vehicle accidents often lead to immediately apparent injuries – it’s not unusual for victims to show cuts, puncture wounds, abrasions and fractures following a crash. But automobile accidents can also lead to internal body damage, such as heart injuries. Heart injuries after collisions High-impact motor vehicle collisions are more likely to lead to heart
- [Is an insurer acting in bad faith by insisting other coverage is available?](https://www.hodgefirm.com/blog/2023/06/is-an-insurer-acting-in-bad-faith-by-insisting-other-coverage-is-available/) - Insurance acts as a contract between a policyholder and the insurance carrier, where the carrier is obligated to reimburse the policyholder for losses suffered. Of course, policyholders must have the right policy if they expect compensation for their claims. For instance, an auto insurance policy can’t cover storm damage to a home. But even among
- [Proving a bad faith insurance claim after a Texas hurricane](https://www.hodgefirm.com/blog/2023/06/proving-a-bad-faith-insurance-claim-after-a-texas-hurricane/) - Dealing with the aftermath of a devastating hurricane can be rough, especially when it comes to filing an insurance claim to recover your losses. In some cases, insurance companies may act in bad faith, denying or undervaluing valid claims, which can further compound the difficulties you face. If you believe your insurance company is acting
- [When should I worry about a concussion after a collision?](https://www.hodgefirm.com/blog/2023/07/when-should-i-worry-about-a-concussion-after-a-collision/) - Minor car crashes could cause stress and overwhelm drivers. Most of these incidents leave little to no damage depending on the circumstances. Still, these collisions could lead to injuries, including concussions. These mild head injuries happen when the brain bounces or moves inside the skull due to blunt force or impact. Even the most minor
- [The signs your home insurer is treating you unfairly](https://www.hodgefirm.com/blog/2023/07/the-signs-your-home-insurer-is-treating-you-unfairly/) - Your homeowners insurance policy has terms that hold your insurer responsible whenever your property takes damage. Granted, there are exclusions and limitations to what your insurer can cover, but the company must assess your claim regardless of whether it’ll pay. However, some insurers might try to find ways to avoid paying your claim or at
- [When is an insurer taking too long to process a claim?](https://www.hodgefirm.com/blog/2023/08/when-is-an-insurer-taking-too-long-to-process-a-claim/) - In an ideal world, every insurance claim you submit for damages to your home is resolved instantly. Whether it’s a hurricane that ripped your roofing or hailstones that put cracks and holes in your siding, it would be nice if insurance carriers quickly responded to your claims and covered the costs of critical repairs. But
- [Committing crimes in international waters](https://www.hodgefirm.com/blog/2023/09/committing-crimes-in-international-waters/) - Maritime crimes encompass a wide range of illicit activities at sea. Their impact extends far beyond the ocean's horizon. However, international waters present a unique legal challenge when it comes to criminal activities. Committing a crime on the high seas poses a dilemma due to the absence of a single governing authority. Unlike crimes committed
- [2 kinds of traumatic brain injuries caused by car crashes](https://www.hodgefirm.com/blog/2023/10/2-kinds-of-traumatic-brain-injuries-caused-by-car-crashes/) - Thousands of car crashes happen every day for many reasons, such as recklessness, distraction, drunkenness and speeding. While many of these accidents may be minor, some can cause traumatic and fatal injuries. In a car accident, one of the most vulnerable places on the body is the head. Seatbelts and airbags may reduce some injuries
- [How much time do have to file a claim if you are hurt at sea?](https://www.hodgefirm.com/blog/2023/10/how-much-time-do-have-to-file-a-claim-if-you-are-hurt-at-sea/) - Every job has its share of occupational hazards. And maritime jobs are no exception. If you are hurt while working at sea or on sea-going vessels, you may be entitled to financial restitution for the resulting injuries and other damages per the Jones Act. However, it’s important to understand that most legal claims are governed
- [Securing debt through liens and asset seizure](https://www.hodgefirm.com/blog/2023/10/securing-debt-through-liens-and-asset-seizure/) - The debt's value and the debtor's financial status are major factors that make B2B collections complex. But oftentimes, the other party's cooperation, or lack thereof, can make things more intricate. In this context, businesses may require strategies to collect unpaid invoices and debts effectively. One of these strategies is through liens and asset seizure. Understanding
- [What does it mean to mitigate your damages in an insurance claim?](https://www.hodgefirm.com/blog/2023/10/what-does-it-mean-to-mitigate-your-damages-in-an-insurance-claim/) - When you’re abruptly faced with unexpected damage to your home after a severe weather event or due to any other reason, filing a homeowners insurance claim is often the first step toward recovery – if you can get the financial support you need for your repairs. Unfortunately, insurance companies are great at making promises they
- [Cruise vacations sometimes lead to injury instead of relaxation](https://www.hodgefirm.com/blog/2023/11/cruise-vacations-sometimes-lead-to-injury-instead-of-relaxation/) - Those who plan a cruise vacation often want to let go and relax. They don't want to drive, worry about their meals or micromanage the family itinerary. A cruise means that someone else has responsibility for everything from food to transportation in most cases. It can be the perfect low-effort vacation. When everything goes right,
- [Why is a 3-second following distance necessary?](https://www.hodgefirm.com/blog/2023/12/why-is-a-3-second-following-distance-necessary/) - When it comes to following distances, drivers should generally leave three seconds between cars. They may need to adjust this for the weather. If it’s rainy or if the road appears slick for some reason, four or five seconds may be necessary. But three is a general rule that applies to most drivers at most
- [Non-disclosure agreements can strengthen business contracts](https://www.hodgefirm.com/blog/2023/12/non-disclosure-agreements-can-strengthen-business-contracts/) - Business-to-business contracts are among the most important agreements that organizations negotiate. Their contracts may play a key role in the company's operations and financial solvency. Other companies provide supplies and services that can help an organization thrive. Often, the focus when negotiating a business-to-business contract is on clarifying expectations and sometimes imposing specific consequences if
- [Spinal cord injuries can occur after a fall](https://www.hodgefirm.com/blog/2024/01/spinal-cord-injuries-can-occur-after-a-fall/) - Spinal cord injuries from falls can be life-changing, leaving victims grappling with a range of physical and emotional challenges. It's essential to know that spinal cord injuries are categorized based on the area of the spine affected. The level of the injury dramatically influences the nature and severity of the symptoms. Understanding the types of
- [4 long-term costs of motor vehicle-induced brain injuries](https://www.hodgefirm.com/blog/2024/01/4-long-term-costs-of-motor-vehicle-induced-brain-injuries/) - In the blink of an eye, a motor vehicle accident can change lives forever. One of the most severe consequences of such incidents is traumatic brain injury. While the immediate impact is evident, the long-term costs can be staggering, affecting not only the injured individual but also their family and community. 1. Ongoing medical expenses
- [Winter storms bring ice, wrecks to southeast Texas](https://www.hodgefirm.com/blog/2024/01/winter-storms-bring-ice-wrecks-to-southeast-texas/) - No matter what part of the country you’re in this week, you are likely coping with some storm-related problems. From losing power on the coldest nights and days thus far in the year to icy collisions on the interstates, you can be imperiled due to the very inclement weather. The following tips from the Mount
- [Getting lost in thought blamed for many distracted driving accidents](https://www.hodgefirm.com/blog/2024/01/getting-lost-in-thought-blamed-for-many-distracted-driving-accidents/) - Accident statistics make it very clear that distracted driving is dangerous. It leads to numerous car crashes, injuries and even fatalities every year. For instance, some reports claim that it causes more than 3,000 traffic deaths annually. But many distractions are things that people can actively avoid. Texting and driving is a distraction, so they
- [Common hazards on seafaring vessel decks](https://www.hodgefirm.com/blog/2024/02/common-hazards-on-seafaring-vessel-decks/) - Deckhands on seafaring vessels face unique challenges and hazards inherent to the maritime environment. The demanding nature of their work, combined with the unpredictable conditions of the sea, can expose them to significant risks. The isolation of being at sea can delay emergency response, which may compound the severity of any incident. Understanding the hazards
- [How can seamen face injuries out at sea?](https://www.hodgefirm.com/blog/2024/02/how-can-seamen-face-injuries-out-at-sea/) - Life at sea has its challenges, and among them are the risks of injury that seamen face. Whether working on a commercial vessel, a fishing boat or a cruise ship, seamen encounter various hazards. Understanding these risks is important for both seamen and those who rely on their services. Slips and falls One of the
- [When millions of cars are recalled, why should this matter to you?](https://www.hodgefirm.com/blog/2024/02/when-millions-of-cars-are-recalled-why-should-this-matter-to-you/) - From February 18 to February 24 of this year, the National Highway Traffic Safety Administration (NHTSA) announced the recalls of millions of vehicles. Among those recalled were hundreds of thousands of Ford vehicles due to hazardous rear axle and seat belt locking concerns, and nearly 2 million Honda and Toyota vehicles for hazards relating to
- [What photographic evidence could help if you have a crash?](https://www.hodgefirm.com/blog/2024/03/what-photographic-evidence-could-help-if-you-have-a-crash/) - Car crashes happen all the time, and there is a good chance you will be caught up in one at some point. These accidents can prove costly, so it’s important you have sufficient evidence to back up your claim if you believe the other driver was responsible and their insurer should compensate you. Photographs can
- [4 ways to strengthen the medical side of a car accident claim](https://www.hodgefirm.com/blog/2024/04/4-ways-to-strengthen-the-medical-side-of-a-car-accident-claim/) - In the aftermath of a car accident, an injury victim’s focus is naturally on healing. What many people don't realize is that the path to fair compensation hinges on documenting one’s medical journey in the aftermath of a wreck. Solid medical evidence is your best friend when securing the maximum payout for accident injuries in
- [What to do after an insurance denial for flood damage](https://www.hodgefirm.com/blog/2024/04/what-to-do-after-an-insurance-denial-for-flood-damage/) - Experiencing flood damage in your home is a distressing event, and dealing with insurance claims can add an additional layer of stress. In Texas, where floods can happen frequently depending on the area, homeowners often rely on their insurance to help cover the costs of damage. However, it's not uncommon for insurance companies to deny
- [Teen accidents will increase in the summer](https://www.hodgefirm.com/blog/2024/04/teen-accidents-will-increase-in-the-summer/) - This summer, it’s likely that there will be an increase in fatal teen accidents. But it doesn’t have anything to do with 2024 specifically. Every summer, the federal Department of Transportation identifies the “100 deadliest days of summer” as the stretch from Memorial Day to Labor Day. There is always an increase in fatal accidents
- [The different types of contract breaches](https://www.hodgefirm.com/blog/2024/05/the-different-types-of-contract-breaches/) - Business-to-business relations are typically founded upon contracts. A contract protects the rights of both parties and ensures that obligations are followed through. Generally, most parties honor their contractual obligations, but this isn’t always the case. A contract breach can be damaging to your business. There are four common types of contract breaches, as outlined below:
- [Why seafood processing is one of the most dangerous maritime jobs](https://www.hodgefirm.com/blog/2024/05/why-seafood-processing-is-one-of-the-most-dangerous-maritime-jobs/) - When most people think of maritime jobs, they picture people operating, navigating or even loading a ship. Many maritime jobs – and sometimes among the most dangerous – have nothing to do with any of those things. One of those is seafood processing. Seafood processors work on ships offshore – generally seasonally. They get the
- [How a contract deadline issue can cause financial harm](https://www.hodgefirm.com/blog/2024/06/how-a-contract-deadline-issue-can-cause-financial-harm/) - In many cases where two businesses have a contract dispute, the issue is that a deadline was missed. After all, including the date on the contract is one of the most fundamental parts of drafting it. This date can specify when the contract is supposed to be fulfilled. Even if one company misses the deadline,
- [Will insurance cover damages from power outages?](https://www.hodgefirm.com/blog/2024/06/will-insurance-cover-damages-from-power-outages/) - When you live and work on Texas’ Gulf Coast, you understand the word “extreme.” Extreme weather, such as heat, storms and flooding, is typical for people in Galveston and its surrounding area. Any of these events can cause a power failure, which can damage electronics and appliances and spoil food. Can you recoup any of
- [Maximize your insurance claim post-disaster](https://www.hodgefirm.com/blog/2024/07/maximize-your-insurance-claim-post-disaster/) - Texas holds the top spot in the U.S. for the frequency of natural disasters. After a natural disaster destroys your home, you might find yourself dealing with your insurance company to receive compensation for the damages. It is important to understand that you don’t have to accept the first offer from your insurance company. Understanding
- [Most fatal truck crashes occur on rural roads](https://www.hodgefirm.com/blog/2024/07/most-fatal-truck-crashes-occur-on-rural-roads/) - Texas has a lot of commercial truck traffic carrying goods from one coast to the other, from Mexico to points throughout the U.S. and on numerous other routes running through our state. Therefore, it’s not surprising that Texas ranked tenth a few years ago in the percentage of overall traffic fatalities in large truck crashes.
- [Hurricane damage involves more than property damage](https://www.hodgefirm.com/blog/2024/07/hurricane-damage-involves-more-than-property-damage/) - The Texas Gulf Coast is second only to Florida in the numbers of hurricanes it’s endured. Now with the 2024 hurricane season (June 1 to November 30) underway, there is likely to be more that will follow Hurricane Beryl before the end of the year. Damage often involves storm surges flooding low-lying areas, particularly the
- [Flooded floors and leaky roofs: Will insurance help?](https://www.hodgefirm.com/blog/2024/07/flooded-floors-and-leaky-roofs-will-insurance-help/) - Water damage can be a nightmare for property owners. It can destroy your home and belongings, leaving you with a hefty repair bill. The main question many people have at this point is: will insurance cover it? Common causes of water damage There are different types of water damage, and they can happen in many
- [Navigating insurance and FEMA after disaster strikes](https://www.hodgefirm.com/blog/2024/07/navigating-insurance-and-fema-after-disaster-strikes/) - Residents of Galveston and throughout many parts of Texas are all too familiar with the ravages that extreme weather can bring to their land and property. Hurricane Beryl is just the latest example. If you’ve been one of the lucky ones who hasn’t had to deal with insurance claims and Federal Emergency Management Agency (FEMA)
- [Ensuring fair compensation for Texas businesses after disasters](https://www.hodgefirm.com/blog/2024/08/ensuring-fair-compensation-for-texas-businesses-after-disasters/) - Natural disasters can disrupt businesses, causing financial losses. Knowing your rights is essential to receiving fair compensation for business interruptions. Learning how to navigate insurance claims and state regulations can help protect your business's financial future. Review your insurance policy Start by reviewing your business insurance policy. Make sure it includes coverage for natural disasters,
- [TX business owners: Three steps for wind and hail damage insurance claims](https://www.hodgefirm.com/blog/2024/08/tx-business-owners-three-steps-for-wind-and-hail-damage-insurance-claims/) - Wind and hail are common causes of property damage, particularly in Texas where the weather can quickly turn severe. For business owners, such damage can disrupt operations and lead to significant financial losses. Ensuring a fair insurance claim payout is important for recovery, yet some find their claims substantially underpaid. The following steps can help
- [The dangers of taking selfies while driving](https://www.hodgefirm.com/blog/2020/10/the-dangers-of-taking-selfies-while-driving/) - In addition to talking, texting and sending emails while driving, motorists are engaging in an even more dangerous feat. Social media sites are filled with thousands of posts from people taking selfies while behind the wheel. According to CBS News, there are more than 72,000 posts from motorists taking selfies while driving in Texas and throughout the
- [Is your insurance company acting in bad faith?](https://www.hodgefirm.com/blog/2020/11/is-your-insurance-company-acting-in-bad-faith/) - When you purchase an auto insurance policy, the premium you pay entitles you to the terms and conditions of your policy document. If you make an injury claim and the insurance provider fails to live up to these promises, you may be able to sue for bad faith. Review the Texas laws regarding bad faith
- [Will the FBI investigate a cruise ship crime?](https://www.hodgefirm.com/blog/2020/11/will-the-fbi-investigate-a-cruise-ship-crime/) - If you are the victim of a serious cruise ship crime, you may seek justice via every possible avenue. One such avenue involves the assistance of the FBI. Whether the FBI can help you depends on a few different factors. The Federal Bureau of Investigations explains when it has jurisdiction over criminal offenses that occur on
- [What should I know about business to business debt collection?](https://www.hodgefirm.com/blog/2020/11/what-should-i-know-about-business-to-business-debt-collection/) - Collecting debts for your business from business customers is a little different than collecting from consumer customers because the laws are different. There are far more rules when it comes to consumer debt collection. What this means for you is that it will be easier for you to collect your business customer debts because you
- [How should you handle disagreements about a claim settlement?](https://www.hodgefirm.com/blog/2020/12/how-should-you-handle-disagreements-about-a-claim-settlement/) - After your home sustains damage, you may expect your insurance company to offer you a settlement so that you can make repairs. Sometimes, though, the settlement may not be what you were expecting. When this happens, you may wonder how you should handle the situation. When you and your insurance company disagree about the settlement,
- [How can brain injuries damage your memory?](https://www.hodgefirm.com/blog/2020/12/how-can-brain-injuries-damage-your-memory/) - After suffering from a brain injury, you might find yourself dealing with surprising effects in the aftermath. For example, a traumatic brain injury (TBI) could alter your memory. Many victims suffer from some form of memory loss detrimental to the ease of daily life. How can these injuries impact your memory? How long can the
- [Wrong-way collision in Houston kills two](https://www.hodgefirm.com/blog/2021/01/wrong-way-collision-in-houston-kills-two/) - There is an inherent risk with traveling on Texas' roads and highways. The potential of an accident always exists, yet local motorists often accept these risks due to the assumption that the others that they share the road with likely take as much care in avoiding accidents as they do. In a majority of situations,
- [3 cruise-ship injuries](https://www.hodgefirm.com/blog/2021/01/3-cruise-ship-injuries/) - Passengers on cruise ships want to see the sights. They want to travel in style. They want many things, but nobody wants an injury. Most cruise line operators have strict safety regulations, and most captains run a tight ship. However, onboard accidents still often result in serious injuries. 1. Slip-and-fall injuries Everyone knows ship decks
- [PTSD following a traffic crash](https://www.hodgefirm.com/blog/2021/02/ptsd-following-a-traffic-crash/) - From physical injuries to financial hardships, you could struggle with multiple hardships in the wake of a car crash. Sadly, motor vehicle collisions often impact victims from a mental standpoint as well. The U.S. National Library of Medicine states that some people develop post-traumatic stress disorder (PTSD) as a result of a traffic crash. If
- [How should I handle disputes with my partner?](https://www.hodgefirm.com/blog/2021/02/how-should-i-handle-disputes-with-my-partner/) - The relationship between you and your business partner is one where you need to maintain civility. It is essential you work together, have open communication and extend each other common courtesies. If you have a dispute, you need to learn how to work through it in a constructive manner or your business could suffer. Business
- [Winter Storm 2021 may be the costliest disaster in Texas history](https://www.hodgefirm.com/blog/2021/02/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 counties have been affected, according to the Texas Tribune. Some residents spent
- [Why should I review my insurance policy?](https://www.hodgefirm.com/blog/2021/03/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 be the insurance company trying
- [4 reasons home insurers deny property damage claims](https://www.hodgefirm.com/blog/2021/03/4-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 insurance company, you are not alone. As it turns out, there are
- [What is insurance bad faith?](https://www.hodgefirm.com/blog/2021/04/what-is-insurance-bad-faith/) - By law, your insurance company must act in good faith and deal fairly with you when you make a claim or when someone sues you for something your policy covers. Unfortunately, however, insurance companies sometimes fail to live up to this duty of care they owe their customers. In such a situation, you may have
- [How can technology aid in spinal cord injury recovery?](https://www.hodgefirm.com/blog/2021/04/how-can-technology-aid-in-spinal-cord-injury-recovery/) - Spinal cord injuries include any damage to your spinal cord. Spinal cord injuries can result in permanent changes to how your body functions. While your spinal cord injury may not be reversible, technology continues to improve the lives of many patients. According to Mayo Clinic, researchers are always developing new treatments and medications that may promote cell
- [When can I use mediation to solve B2B disputes?](https://www.hodgefirm.com/blog/2021/05/when-can-i-use-mediation-to-solve-b2b-disputes/) - Just because you are currently embroiled in a B2B dispute does not mean that you will necessarily end up in court. In fact, it is usually better for savvy business owners to avoid the courtroom if at all possible. Going to court is expensive and will take your attention away from running your business. This
- [Do you know these common personal injuries seamen face?](https://www.hodgefirm.com/blog/2021/05/do-you-know-these-common-personal-injuries-seamen-face/) - You enjoy working on Texas's open waters as a seaman, but you understand your occupation comes with certain risks. When was the last time you refreshed yourself on common injuries you face in your sector, injuries your employer may bear responsibility for preventing? SAFETY4SEA explores safety tips and hazards faced while seafaring. Depending on the
- [3 common insurance mistakes that businesses make](https://www.hodgefirm.com/blog/2021/06/3-common-insurance-mistakes-that-businesses-make/) - Insurance is a necessary cost for your business. You hope you will never need it, but if you do, you want to make sure your insurer takes care of you. When filing a claim, you should avoid these three common mistakes that business owners make. 1. Failing to understand the policy Insurance policies are often
- [Texas Senate approves bill that shifts truck accident liability](https://www.hodgefirm.com/blog/2021/06/texas-senate-approves-bill-that-shifts-truck-accident-liability/) - Trucking accidents and collisions often involve severe impacts and injuries due to the increased size of these vehicles. These accidents risk high damage costs for both the vehicles and physical safety of everyone involved. Recently, Texas legislators approved a bill designed to shift liability to drivers rather than employers. Fairness on the roads According to
- [Lost crew member revealed several safety hazards](https://www.hodgefirm.com/blog/2021/06/lost-crew-member-revealed-several-safety-hazards/) - When an employee sustains an injury at sea, shipping employers should conduct a thorough investigation to uncover the reasons behind the accident. In most cases, accidents are actually preventable incidents. Safety4Sea breaks down the process one company went through to identify the safety issues that led to a fatal accident at sea and the changes it made
- [Looking at motorcycle accident statistics](https://www.hodgefirm.com/blog/2021/06/looking-at-motorcycle-accident-statistics/) - As a motorcyclist, you could find yourself involved in a serious accident. Sadly, many motorcyclists lost their lives on the road, and those who survive accidents often face a lengthy road to recovery. Financial hardships, mental trauma, physical pain and career setbacks occur frequently. Make sure you take advantage of any resources that could help
- [A commercial contract may include a force majeure clause](https://www.hodgefirm.com/blog/2021/07/a-commercial-contract-may-include-a-force-majeure-clause/) - Catastrophic events that can devastate a business may occur unexpectedly and without warning. If a company has an existing contract, its performance may become impossible to complete. As noted by the American Bar Association, a force majeure clause may excuse a party from a contractual obligation without incurring penalties. The clause’s relevant events, however, typically
- [Are claim processing delays evidence of insurance bad faith?](https://www.hodgefirm.com/blog/2021/07/are-claim-processing-delays-evidence-of-insurance-bad-faith/) - If you suffer a catastrophic injury in a motor vehicle accident, you are likely to have mounting medical bills you simply cannot pay. This may be true even if you have good health insurance, as copays and other out-of-pocket medical expenses can add up quickly. At one claim per 100 car years, bodily injury insurance
- [Dangerous conditions may lead to a legal action for recovery](https://www.hodgefirm.com/blog/2021/08/dangerous-conditions-may-lead-to-a-legal-action-for-recovery/) - Business owners owe a duty of care to keep their premises clear of dangerous conditions. Visitors should remain confident they may patronize a business safely. The duty also extends to employees who hold a responsibility to identify and correct hazards. The Occupational Safety & Health Administration issues citations for hazards such as blocked exit doors
- [What are the risks of working as a utility galley worker?](https://www.hodgefirm.com/blog/2021/08/what-are-the-risks-of-working-as-a-utility-galley-worker/) - Working on a cruise ship can be labor-intensive, especially for utility galley workers. These are the employees that perform tasks as part of a cruise ship’s food service, including the handling and clean up of food, utensils and food equipment. Sometimes this kind of work can lead to serious injury. According to Business Insider, a
- [How do skull fractures impact the brain?](https://www.hodgefirm.com/blog/2021/09/how-do-skull-fractures-impact-the-brain/) - Skull fractures do not only affect the bone but often have an impact on the brain, too. Unfortunately, as a lot of force is necessary to crack the bone in the first place, victims of skull fractures often deal with traumatic damage to the brain as well. In what ways do these fractures impact the
- [Creditors may prove fraudulent intent in divisive mergers](https://www.hodgefirm.com/blog/2021/09/creditors-may-prove-fraudulent-intent-in-divisive-mergers/) - The Texas Business Organizations Code permits companies to engage in a divisive merger. As reported by CNBC, a business may choose to attempt a divisive merger as a prelude to filing for bankruptcy protection and limiting its responsibility to pay liabilities. The approach is sometimes referred to as a “Texas Two-Step.” If a company faces
- [3 reasons to be wary of an initial insurance settlement offer](https://www.hodgefirm.com/blog/2021/09/3-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 insurance company may try to avoid paying compensation owed by denying, delaying or
- [San Antonio social media figure killed in crash](https://www.hodgefirm.com/blog/2021/10/san-antonio-social-media-figure-killed-in-crash/) - New drivers take to Texas' roads every day. Those already traveling on them often understand the need for them to gain experience behind the wheel, as only that experience will ultimately make them safe and responsible motorists. The trouble is that the journey to that experience is often fraught with risk. Teen drivers demonstrate reckless
- [How can a severability clause preserve a contract?](https://www.hodgefirm.com/blog/2021/11/how-can-a-severability-clause-preserve-a-contract/) - Drafting a business contract is a task you know not to take lightly. You may want to engage in a partnership or venture with another company and want to protect your arrangement with an airtight agreement. Still, you must consider what might happen if the other business litigates you over unclear or possibly illegal terms
- [What is cauda equina syndrome?](https://www.hodgefirm.com/blog/2021/11/what-is-cauda-equina-syndrome/) - The disks of the spine consist of flexible tissues to provide cushioning to the vertebrae. According to Spine Universe, one of the most common spine injuries from car accidents is a herniated disk. Trauma from the accident causes the disk to tear open, allowing the soft, gelatinous material inside to leak out and put pressure
- [What is a traumatic brain injury?](https://www.hodgefirm.com/blog/2021/11/what-is-a-traumatic-brain-injury/) - A traumatic brain injury can occur following a violent jolt or blow to the head or another part of the body. Although a mild TBI will only affect the brain’s cells temporarily, a serious TBI can result in bleeding, torn tissues, bruising and other long-term complications. Brain injuries are common and often happen after falls
- [What should you do if you collide with an electrical pole?](https://www.hodgefirm.com/blog/2021/12/what-should-you-do-if-you-collide-with-an-electrical-pole/) - While electricity is a vital part of modern society, electrical wires can be deadly. In fact, according to reporting from ABC News, a man and his pregnant wife recently collided with a utility pole in Texas City. When the man stepped out of his vehicle after the crash, a downed wire electrocuted him. As a
- [3 common reasons an insurance company may deny your claim](https://www.hodgefirm.com/blog/2021/12/3-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 Texas insurance law, as well as the ability
- [Why are teens more dangerous drivers?](https://www.hodgefirm.com/blog/2022/01/why-are-teens-more-dangerous-drivers/) - For teens in the United States, car crashes serve as one of the biggest and most common deadly threats. In 2017 alone, over 300,000 teenagers suffered from a crash and got rushed to the emergency room. Teenagers also account for 8 percent of all motor vehicle accident injuries. Compared to the population at large, teens
- [Are more blackouts in the future for Texas?](https://www.hodgefirm.com/blog/2022/01/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 state is vulnerable to another
- [What is the proper maintenance rate under maintenance and cure?](https://www.hodgefirm.com/blog/2022/02/what-is-the-proper-maintenance-rate-under-maintenance-and-cure/) - If you are a merchant seaman or commercial fisherman and you sustain an injury on the job, maritime law entitles you to maintenance and cure benefits regardless of who was at fault for your accident. These benefits must continue for the duration of your recovery and until your doctor determines you have reached the point
- [What may I use as evidence of an accident that occurred at sea?](https://www.hodgefirm.com/blog/2022/02/what-may-i-use-as-evidence-of-an-accident-that-occurred-at-sea/) - Marine accidents undergo investigation by the Office of Marine Safety. The National Transportation Safety Board’s website notes that federal officials review the facts of each incident to find its probable cause. An official determination helps show whether safety issues played a role in the accident. The NTSB typically publishes marine accident reports in a public
- [How do common law and statutory bad faith claims differ?](https://www.hodgefirm.com/blog/2022/02/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 and delay An insurance company should begin work on a claim with a prompt
- [A blanket medical authorization may do more harm than good](https://www.hodgefirm.com/blog/2022/02/a-blanket-medical-authorization-may-do-more-harm-than-good/) - If you have suffered a catastrophic injury that required hospitalization, you also have probably experienced some sticker shock. After all, according to the U.S. Department of Health and Human Services, the average cost of a three-day hospital stay is approximately $30,000. If you stayed longer, required surgical procedures or needed rehabilitation, you may have paid
- [How to prepare for litigation](https://www.hodgefirm.com/blog/2022/03/how-to-prepare-for-litigation/) - Although more companies are turning toward alternative dispute resolution methods, for more complex cases, litigation is still a common choice. Because of the time and money, a court case takes, preparation is imperative for the best outcome. If you are facing litigation, there are some things to keep in mind. Gather all relevant evidence According
- [How can distractions on the road lead to truck accidents?](https://www.hodgefirm.com/blog/2022/03/how-can-distractions-on-the-road-lead-to-truck-accidents/) - Dealing with a truck accident can leave you feeling overwhelmed and constantly in pain. There are a few sources of distractions that can lead to a trucker veering off the road and crashing into another vehicle. Learning about these common issues and how they influence truckers can help you as you drive. Texts and dispatching
- [When are car accident injuries considered catastrophic?](https://www.hodgefirm.com/blog/2022/04/when-are-car-accident-injuries-considered-catastrophic/) - Unfortunately, if you become involved in an auto or other type of motor vehicle accident, the result could be a variety of serious injuries. But which of these are truly catastrophic? The first thing you need to know about catastrophic injuries is that, as explained by The Lawyer Monthly, this is not a medical term.
- [What kinds of serious burns can a car crash produce?](https://www.hodgefirm.com/blog/2022/05/what-kinds-of-serious-burns-can-a-car-crash-produce/) - A car crash can result in your receiving catastrophic injuries. Perhaps none of these is as painful or debilitating as a serious burn. Stanford Health Care reports that you can actually receive the following three types of burns in a car crash Thermal burns if a fire ensues and its flames reach you, or even
- [How does the LHWCA work?](https://www.hodgefirm.com/blog/2022/05/how-does-the-lhwca-work/) - The Longshore and Harbor Worker's Compensation Act provides protection for workers injured on the job in the maritime industry. It is like the workers' compensation program for the industry because traditional programs do not cover it. The U.S. Department of Labor explains the LHWCA gives you options for compensation and other benefits after a work
- [How can crush injuries impact you?](https://www.hodgefirm.com/blog/2022/06/how-can-crush-injuries-impact-you/) - Getting into a car crash can lead to numerous injuries, and many of them have the potential to have serious impacts on your life. Crush injuries make up some of these potentially impactful issues. But what are crush injuries, and how do they affect the body? Types of crush injuries Medline Plus takes a close
- [What are the impacts of a TBI on personality?](https://www.hodgefirm.com/blog/2022/06/what-are-the-impacts-of-a-tbi-on-personality/) - A traumatic brain injury usually occurs as the result of a severe impact to the head. These injuries can have numerous effects on various aspects of a victim's life and health. Some impacts, like memory impairment, are well-known. Others, like the impact a TBI can have on a victim's personality, do not gain nearly as
- [4 lowball tactics of an insurance adjuster](https://www.hodgefirm.com/blog/2022/06/4-lowball-tactics-of-an-insurance-adjuster/) - Whether it is getting hurt in an accident or experiencing severe property damage from a natural disaster, insurance claims can help make your life easier. This is especially true if you are not at fault for the incident. Many times, it is difficult to tell when you receive a lowball settlement offer from the insurance
- [What are signs that a shareholder dispute is becoming an issue?](https://www.hodgefirm.com/blog/2022/07/what-are-signs-that-a-shareholder-dispute-is-becoming-an-issue/) - Shareholder disputes can put a strain on your business. Being aware of what is stirring can help you to avoid the situation blowing up. Time Business explains there are some signs that you can watch for that may indicate shareholders are having issues and a dispute is imminent. Disagreements When disagreements become frequent, it is
- [Will your insurance cover a wildfire?](https://www.hodgefirm.com/blog/2022/08/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, which means everyone should be aware
- [Protecting yourself from the dangers of distracted driving](https://www.hodgefirm.com/blog/2022/08/protecting-yourself-from-the-dangers-of-distracted-driving/) - Distracted driving impacts a number of motorists in Texas each day. Even doing things while you drive like programming your GPS or reaching for your bag that fell can immediately endanger you. Choosing to eliminate distractions is a personal decision that everyone has to make. When you understand just how dangerous distractions can be, you
- [What are some symptoms of a traumatic brain injury?](https://www.hodgefirm.com/blog/2022/08/what-are-some-symptoms-of-a-traumatic-brain-injury/) - If you get into a car accident or another type of serious accident and hit your head, you could sustain a traumatic brain injury. These types of injuries can affect your brain on a temporary basis or result in bleeding, torn tissues, swelling and other forms of serious damage. The Mayo Clinic states that while
- [How often are distracted-driving accidents fatal?](https://www.hodgefirm.com/blog/2022/09/how-often-are-distracted-driving-accidents-fatal/) - Thanks to safety campaigns from federal, state and local officials, virtually all Texans understand distracted driving can be exceedingly dangerous. Still, many drivers in the Lone Star State believe they have the necessary skills to drive safely while sending text messages, making phone calls or participating in other distracting activities. Even though it can be
- [What are the common causes of contract breach?](https://www.hodgefirm.com/blog/2022/09/what-are-the-common-causes-of-contract-breach/) - A broken agreement, especially for your business, may spell financial disaster. Since your business hinges on specific expectations of services or products, when one of your associates does not follow the terms of a deal, it may impact other areas. A contract break or breach is one of the most common reasons for commercial litigation.
- [Is a cruise ticket a waiver of your legal rights?](https://www.hodgefirm.com/blog/2022/10/is-a-cruise-ticket-a-waiver-of-your-legal-rights/) - If you recently disembarked from a cruise ship with newly acquired injuries, you may wonder about your legal rights. Do you have the right to file a claim or lawsuit against the cruise line for your injuries? Unfortunately, there is a strong chance that you waived your legal rights when you signed the cruise ticket,
- [What is bad faith insurance?](https://www.hodgefirm.com/blog/2022/10/what-is-bad-faith-insurance/) - Perhaps your insurance provider has been twisting the language in your contract to avoid paying a claim. You could have also noticed that there are policy limitations that you did not know about when you purchased the policy, or the company could be asking for unreasonable demands. These are just a few examples of ways
- [What is distracted driving?](https://www.hodgefirm.com/blog/2022/10/what-is-distracted-driving/) - Drunk driving is extremely dangerous and costs many lives each year in the US. In fact, the estimate is that one person dies every 52 minutes in the US due to drunk driving. However, there is another menace on American roads: distracted driving. Many elements of distracted driving seem innocent on the surface, but they
- [What are the different damages for contract breach?](https://www.hodgefirm.com/blog/2022/11/what-are-the-different-damages-for-contract-breach/) - In the business-to-business world, breach of contract is very common. It is usually best to try and resolve these issues informally outside of court, but this is not always possible. If informal means fail, usually injured parties will seek to have the legal system remedy the situation. In most cases, if one party breaches a
- [Can a back injury after a crash have lasting mental impacts?](https://www.hodgefirm.com/blog/2022/11/can-a-back-injury-after-a-crash-have-lasting-mental-impacts/) - Many people focus on the physical injuries and the healing process that occurs after a victim suffers from an injury to the back. However, this is a lengthy process that involves multiple parts of a person, including their emotional and mental health. The connection between pain and mental health As the International Association for the
- [Were you diagnosed with cauda equina syndrome after a crash?](https://www.hodgefirm.com/blog/2022/12/were-you-diagnosed-with-cauda-equina-syndrome-after-a-crash/) - Within the spine, flexible tissue exists to help cushion the vertebrae as they move. A herniated disk is one of the most typical injuries due to car crashes. What is a herniated disk? In this situation, the disk may tear, and the gelatinous material within can spill out, putting pressure on the nerves of the
- [What are common causes of slip-and-fall injuries?](https://www.hodgefirm.com/blog/2022/12/what-are-common-causes-of-slip-and-fall-injuries/) - The workplace can provide a lot of potential dangers to a person's physical health and well-being. Unfortunately, some of these dangers can come in unexpected places, too. Slip-and-fall injuries are the result of many of these unexpected and often commonplace dangers. Tripping hazards The Centers for Disease Control and Prevention discuss common causes of slip-and-fall
- [Dealing with unreasonable demands from your insurance company](https://www.hodgefirm.com/blog/2023/01/dealing-with-unreasonable-demands-from-your-insurance-company/) - Sometimes insurance companies ask for the impossible, leaving you feeling frustrated and powerless. In Texas, an insurance company generally has 15 days to request information after a claim. However, they can stretch out the deadline to 45 days if they come up with a reason. Insurers often make unreasonable requests to delay the claims process
- [What should you know about force majeure clauses?](https://www.hodgefirm.com/blog/2023/01/what-should-you-know-about-force-majeure-clauses/) - Unfortunately for businesses, it is impossible to predict every single catastrophic occurrence that may happen in the course of the business's lifetime. These catastrophic events may also make it impossible to complete contracts as related to a business. In these cases, force majeure clauses may get evoked. Defining a force majeure clause The American Bar
- [What are the different types of burn injury?](https://www.hodgefirm.com/blog/2023/01/what-are-the-different-types-of-burn-injury/) - Suffering from a burn is a painful experience that almost everyone has had at least once. However, not many people experience the worse levels of burn injury and thus know little about them. Burns can range from first to third degree, with each one causing more damage and harm than the level before. Mild burns
- [Can a crash give you a crush injury?](https://www.hodgefirm.com/blog/2023/02/can-a-crash-give-you-a-crush-injury/) - Many different types of physical injury can occur during a car crash. Crush injuries are one of many potential injuries that may happen. What should you know about crush injuries? What form do they come in, and what are the biggest associated risks? What causes crush injuries? Up To Date discusses crush injuries that occur
- [How does brain trauma manifest?](https://www.hodgefirm.com/blog/2023/02/how-does-brain-trauma-manifest/) - After suffering from a blow to the head, it is possible to end up with brain trauma or injury. How do these injuries manifest? What sort of forms do they take depending on the victim or the type of injury in question? Mild brain trauma red flags Mayo Clinic discusses brain trauma and its impacts.
- [What to know about food poisoning on cruise ships](https://www.hodgefirm.com/blog/2023/02/what-to-know-about-food-poisoning-on-cruise-ships/) - Going on a cruise should be an enjoyable experience where people are able to leave behind the worries and cares of their daily lives. For the most part, cruises are very safe; however, some characteristics of cruise ships make things such as food poisoning and other injuries more likely to happen than they are on
- [Is this shareholder dispute problematic?](https://www.hodgefirm.com/blog/2023/03/is-this-shareholder-dispute-problematic/) - Shareholder disputes have the potential to cause enormous issues within a business. Keeping a pulse on the situation is important if you feel one arising. Of course, sometimes disputes are inevitable. In these cases, it is important to watch for red flags of worsening situations that may lead to a dispute. Unstable management in business
- [What is an unseaworthiness claim?](https://www.hodgefirm.com/blog/2023/03/what-is-an-unseaworthiness-claim/) - Many consider the maritime industry one of the most dangerous jobs due to the extreme working conditions brought about by the open sea. Unfortunately, aside from the dangers of the high seas, vessel crews are also at risk of injuries due to the ship or boat being unseaworthy. Defining “unseaworthiness” Under maritime law, a ship
- [Proving a bad-faith insurance claim in Texas](https://www.hodgefirm.com/blog/2020/03/proving-a-bad-faith-insurance-claim-in-texas/) - Whether you own a home, a business or both, you want to protect your investment. Because a fire, storm and other events can destroy your property, you have a comprehensive insurance policy. This policy is a legally binding contract that requires your insurer to pay for covered damages in exchange for your monthly premiums. Regrettably,
- [Statute of limitations for personal injury](https://www.hodgefirm.com/blog/2020/03/statute-of-limitations-for-personal-injury/) - You are driving on a road through Galveston when all of a sudden, another vehicle fails to heed a traffic light and strikes your vehicle. Though you survive, the accident has inflicted injuries on you that will take a while to recover from. While this scenario does not happen to everyone, it still happens to
- [The hidden dangers of poorly maintained elevators](https://www.hodgefirm.com/blog/2020/03/the-hidden-dangers-of-poorly-maintained-elevators/) - Approximately 40,000 elevators carry passengers in the Lone Star State. As reported by WFAA-TV News, a lack of oversight and poorly updated records has resulted in neglected and unsafe elevators. Based on data from the Department of Licensing and Regulation, 14% of the state's elevators have not received an annual inspection as mandated. Some of
- [Proving negligent entrustment](https://www.hodgefirm.com/blog/2020/03/proving-negligent-entrustment/) - Taking legal action may not be the first thing on your mind after experiencing a car accident in Galveston; rather, you are likely more concerned about recovering from your injuries so you can resume your normal life. Yet that can take time, which can lead to extensive costs due to rehabilitation (as well as lost
- [What is Texas doing to fight distracted driving?](https://www.hodgefirm.com/blog/2020/04/what-is-texas-doing-to-fight-distracted-driving/) - When you are behind the wheel of a motor vehicle, it is imperative that your focus is completely on the task of driving. If you divert your eyes from the road, focus your attention on something else or even move your hand from the steering wheel, then you are driving distracted. The issue with distracted
- [What should due diligence look for in business purchases?](https://www.hodgefirm.com/blog/2020/04/what-should-due-diligence-look-for-in-business-purchases/) - You may have discovered a company that you want to buy. The company owner has agreed to sell the operation to you. As part of a business purchase, merger or acquisition, a buyer usually conducts due diligence on the company before making the purchase final. This is to help protect you against buying a business
- [How to tell if an insurance company is acting in bad faith](https://www.hodgefirm.com/blog/2020/05/how-to-tell-if-an-insurance-company-is-acting-in-bad-faith/) - Insurance companies in Texas and throughout the country are required to act in good faith when settling a claim. This is because they have more knowledge than the average policyholder as well as greater financial resources than the average policyholder. Let's take a look at what typically constitutes bad faith on the part of an
- [Why should you exercise following paralysis?](https://www.hodgefirm.com/blog/2020/05/why-should-you-exercise-following-paralysis/) - Damage to your brain and/or spinal cord due to an accident can cause paralysis, i.e., an inability to move certain parts of your body. Paralysis is often complete and permanent, especially when it occurs due to spinal cord damage. If the condition is irreversible, you may not think that it is possible to exercise with
- [How common are overboard falls on cruise ships?](https://www.hodgefirm.com/blog/2020/05/how-common-are-overboard-falls-on-cruise-ships/) - For many people, going on a cruise is a major vacation excursion. The idea of sailing on the open ocean and seeing far away places is something that they look forward to doing. Being on a huge boat is also a unique experience. A cruise ship is like a floating community. It is very confined,
- [What are some weather-related road hazards to look out for?](https://www.hodgefirm.com/blog/2020/06/what-are-some-weather-related-road-hazards-to-look-out-for/) - On the road, there are countless risk factors that lead to car crashes. Drunk drivers, high speeds and chaotic traffic lead to many wrecks. However, there are other concerns when it comes to motor vehicle collisions, such as inclement weather. Bad weather can affect road conditions and lead to a collision. This blog will examine
- [Three-car crash in Nacogdoches sends woman to hospital](https://www.hodgefirm.com/blog/2020/07/three-car-crash-in-nacogdoches-sends-woman-to-hospital/) - Some people in Galveston may think that attempts to assign blame following a car accident do nothing to help accident victims (after all, they cannot reverse the results of a collision). They might believe it better to allow all involved to simply move on with their lives. This is especially true in those cases where
- [FAQ on property damage insurance claims for Texas natural disasters](https://www.hodgefirm.com/blog/2020/07/faq-on-property-damage-insurance-claims-for-texas-natural-disasters/) - In Texas, homeowners can face any number of natural disasters. Your property may suffer damage and hence you may need to file property damage insurance claims. To help with your insurance claim, here are some common property damage questions, answered by the Texas Department of Insurance. Should you make immediate repairs? Your first instinct may be
- [How to know if you have a bad faith insurance case in Texas](https://www.hodgefirm.com/blog/2020/07/how-to-know-if-you-have-a-bad-faith-insurance-case-in-texas/) - All Texas residents who purchase insurance expect the coverage to be honored when they need to file a claim, but the truth about insurance companies is that they are always focused on reducing claim values as much as possible when processing the submission. Insurance providers are in business to generate a profit, and they are
- [What is “termination for convenience?”](https://www.hodgefirm.com/blog/2020/07/what-is-termination-for-convenience/) - When your business enters into a contract with another company in Galveston, you no doubt feel a certain sense of security from the knowledge that your partner cannot simply walk away from your agreement unless you give them cause to do so. Yet is that truly the case? There is a legal concept known as
- [Why are teens at a higher risk of motor vehicle accidents?](https://www.hodgefirm.com/blog/2020/08/why-are-teens-at-a-higher-risk-of-motor-vehicle-accidents/) - In the United States, motor vehicle crashes are one of the major risks that teenagers face. In 2017, approximately 300,000 teenagers went to the emergency room due to injuries that they suffered during a crash. Teenagers account for eight percent of the total costs of all motor vehicle injuries. Why are teenagers at such a
- [What to know about man-overboard incidents](https://www.hodgefirm.com/blog/2020/08/what-to-know-about-man-overboard-incidents/) - When people go on a cruise, they may sometimes worry about falling overboard and wonder how these incidents happen. People may fall overboard for many reasons. According to Conde Nast Traveler, people usually fall overboard because of reckless behavior. Drunk passengers may fail to take appropriate safety precautions. They might stand too close to safety barriers or
- [Pregnant woman killed, husband injured, in Texas crash](https://www.hodgefirm.com/blog/2020/09/pregnant-woman-killed-husband-injured-in-texas-crash/) - Any serious motor vehicle accident that involves a child is tragic because children are always innocent victims in a crash. However, it may be even more tragic when the child never had a chance at life at all. An accident that occurred recently on a highway west of Tyler, Texas, killed a 26-year-old woman who
- [Texas court ends unilateral insurance company appraisal policy](https://www.hodgefirm.com/blog/2020/09/texas-court-ends-unilateral-insurance-company-appraisal-policy/) - Insurance companies in Texas have long been known for being difficult when property damage claims are filed. The state proximity to the Gulf of Mexico means that inclement weather is common. The standard claim investigation policy for most companies has been to evaluate the damage to the benefit of the company and then negotiate a
- [The Aftermath of Hurricane Laura](https://www.hodgefirm.com/blog/2020/09/the-aftermath-of-hurricane-laura/) - The catastrophic damage from Laura, a Category 4 hurricane, devastated Texas and neighboring states. Predictions were tragically accurate. Those who did make it through unscathed are left picking up the pieces of their destroyed property and changed lives. Natives of the Lone Star State are accustomed to severe weather and the steps to take before
- [Can a traumatic brain injury change your personality?](https://www.hodgefirm.com/blog/2020/09/can-a-traumatic-brain-injury-change-your-personality/) - When residents of Texas like you get involved in an incident leading to head injury, your life may undergo enormous changes. The recovery process looks different for everyone, as do the effect of the injuries you suffer from. One of the effects is the possibility of your personality changing due to a TBI. This is
- [What is the difference between arbitration and litigation?](https://www.hodgefirm.com/blog/2020/10/what-is-the-difference-between-arbitration-and-litigation/) - While many people immediately think “litigation” when they imagine two parties having a business-related dispute, it is actually advantageous for everybody involved to avoid litigation in the majority of situations. Litigation can be time-consuming and costly. Plus, you run the risk of ruining otherwise-positive business relationships by resorting to litigation. Many times, disputing parties try

## Pages

- [Property Damage Insurance Claims Lawyers Serving Clients Nationwide](https://www.hodgefirm.com/) - Property damage claims can be complex. Our attorneys represent homeowners and businesses nationwide in denied, delayed, or underpaid insurance claims.
- [Matthew Stephen Russo](https://www.hodgefirm.com/attorney/russo-matthew-stephen/) - We Hold Insurance Companies Accountable Matthew Stephen Russo Matt Russo was born and raised in Beaumont, TX and graduated from the University of Texas at Austi
- [Michael E. Cooper](https://www.hodgefirm.com/attorney/cooper-michael-e/) - We Hold Insurance Companies Accountable Michael E. Cooper Mr. Cooper earned his Bachelor's Degree at University of Houston Clear Lake in 2013 with an emphasis o
- [Shaun Wesley Hodge](https://www.hodgefirm.com/attorney/hodge-shaun-wesley/) - Attorney Shaun Hodge has handled thousands of state and federal cases throughout the State of Texas and the United States.
- [Hurricane Damage](https://www.hodgefirm.com/bad-faith-insurance-claims/hurricane-damage/) - Insurance not paying for hurricane damage? Our attorneys help homeowners and businesses challenge denied or underpaid claims and pursue full compensation.
- [Fire Damage Lawyer](https://www.hodgefirm.com/bad-faith-insurance-claims/fire-damage/) - After a fire, recovery can be overwhelming. Our attorneys help property owners pursue compensation for denied, delayed, or underpaid insurance claims.
- [Testimonials](https://www.hodgefirm.com/testimonials/) - Testimonials
- [Commercial Bad Faith Insurance](https://www.hodgefirm.com/bad-faith-insurance-claims/commercial-bad-faith-insurance/) - At The Hodge Law Firm, PLLC, in Galveston, our attorneys understand the challenges commercial entities face when dealing with bad faith insurance practices.
- [Residential Bad Faith Insurance](https://www.hodgefirm.com/bad-faith-insurance-claims/residential-bad-faith-insurance/) - At The Hodge Law Firm, PLLC in Galveston, we understand the devastation and frustration you feel when your insurance claim is unfairly denied or undervalued.
- [Vandalism Claims](https://www.hodgefirm.com/bad-faith-insurance-claims/vandalism-claims/) - From our Galveston, Texas, office, we’ve helped countless property owners nationwide secure fair compensation for vandalism-related property damage claims.
- [Tornado Damage](https://www.hodgefirm.com/bad-faith-insurance-claims/tornado-damage/) - Our Galveston attorneys represent homeowners and business owners in Texas and across the country who are dealing with tornado-related property damage and insurance disputes.
- [Water Damage](https://www.hodgefirm.com/bad-faith-insurance-claims/water-damage/) - We represent homeowners and businesses in complex water damage insurance claims, including those caused by storms, hurricanes, and severe weather events.
- [Denied, Delayed and Underpaid Insurance Claims](https://www.hodgefirm.com/bad-faith-insurance-claims/denied-delayed-and-underpaid-insurance-claims/) - All too often, insurers unreasonably deny, delay, and underpay insurance claims, often engaging in bad faith insurance practices to protect their bottom lines.
- [Hail Damage Lawyer Colorado](https://www.hodgefirm.com/bad-faith-insurance-claims/wind-hail-damage/colorado/) - At The Hodge Law Firm, we represent Colorado property owners dealing with hail damage insurance claims that have been denied or undervalued.
- [Hail Damage Lawyer Oklahoma](https://www.hodgefirm.com/bad-faith-insurance-claims/wind-hail-damage/oklahoma/) - At The Hodge Law Firm, we represent Oklahoma property owners dealing with hail damage insurance claims that have been denied, delayed, or underpaid.
- [Hail Damage Lawyer Florida](https://www.hodgefirm.com/bad-faith-insurance-claims/wind-hail-damage/florida/) - Florida property owners typically rely on insurance to cover repairs, but many find that insurers do not always handle hail damage claims fairly or promptly.
- [Hail Damage Lawyer Louisiana](https://www.hodgefirm.com/bad-faith-insurance-claims/wind-hail-damage/louisiana/) - Hail damage in Louisiana? If your insurance company is underpaying or delaying your claim, we help you take action and pursue full compensation.
- [Hail Damage Lawyer Texas](https://www.hodgefirm.com/bad-faith-insurance-claims/wind-hail-damage/texas/) - At The Hodge Law Firm, our attorneys represent homeowners and businesses throughout Texas who are dealing with hail-related insurance disputes.
- [Hurricane Damage Lawyer Florida](https://www.hodgefirm.com/bad-faith-insurance-claims/hurricane-damage/florida/) - Hurricane damage in Florida? We help homeowners and businesses address denied or underpaid insurance claims and pursue full compensation.
- [Hurricane Damage Lawyer Louisiana](https://www.hodgefirm.com/bad-faith-insurance-claims/hurricane-damage/louisiana/) - We help Louisiana clients address those disputes head-on. Our role is to review the policy, examine how the claim was handled, identify where the insurer fell short, and build a case for full and fair payment.
- [Hurricane Damage Lawyer Texas](https://www.hodgefirm.com/bad-faith-insurance-claims/hurricane-damage/texas/) - Hurricane damage in Texas? We help homeowners and businesses address denied or underpaid insurance claims and pursue the compensation they are entitled to.
- [Property Damage Insurance Claims](https://www.hodgefirm.com/bad-faith-insurance-claims/) - Insurance not paying for property damage? Our lawyers help policyholders take action against denied, delayed, or underpaid claims. Free consultations.
- [About](https://www.hodgefirm.com/about/) - Learn about The Hodge Law Firm and our team of attorneys representing policyholders in complex property damage insurance claims nationwide.
- [Wendy Coleman](https://www.hodgefirm.com/about/wendy-coleman/) - Wendy Coleman Legal Assistant Wendy Coleman joined The Hodge Law Firm in August 2024. She has been a legal assistant for 27+ years assisting attorneys on both t
- [Lucy Dawson](https://www.hodgefirm.com/about/lucy-dawson/) - Lucy Dawson Legal Assistant Lucy Dawson joined The Hodge Law Firm team in 2023. Lucy assists multiple attorneys of The Hodge Law Firm with administrative tasks
- [Kristy Phillips](https://www.hodgefirm.com/about/kristy-phillips/) - Kristy Phillips Legal Assistant Kristy Phillips joined The Hodge Law Firm, PLLC in 2023. Kristy works diligently to assist the attorneys and legal support staff
- [Emily A. Forasiepi](https://www.hodgefirm.com/about/emily-a-forasiepi/) - Emily A. Forasiepi Legal Assistant Emily A. Forasiepi joined The Hodge Law Firm, PLLC in 2022. Emily assists the attorneys of The Hodge Law Firm by ensuring
- [Gabriel N. Bethscheider](https://www.hodgefirm.com/about/gabriel-n-bethscheider/) - Gabriel N. Bethscheider Legal Assistant Gabriel is a legal assistant and works closely with attorneys in all aspects of preparing and litigating the case. Gabri
- [Becky A. Bethscheider](https://www.hodgefirm.com/about/becky-a-bethscheider/) - Becky A. Bethscheider joined the Hodge Law Firm, PLLC in 2012. Becky currently serves in the position of Claims Administrator
- [Michael Fridman](https://www.hodgefirm.com/attorney/fridman-michael/) - We Hold Insurance Companies Accountable Michael Fridman Michael has been an attorney in Washington State since 2011 and has been with the Hodge Firm since his family decided to move back to Texas in 2022. Michael enjoys running with his Husky, playing tennis and traveling with family. Practice Areas Education Texas Southern University Law School,
- [Mikal David Williams](https://www.hodgefirm.com/attorney/williams-mikal-david/) - We Hold Insurance Companies Accountable Mikal David Williams Mikal D. Williams was born and raised in Baytown, Texas. He moved to Galveston County as a teenager and has, ever since, called it his home. Mikal received his Bachelor of Science in Sociology from the University of Houston-Clear Lake in 2010 and his Juris Doctorate from
- [David M. Buergler](https://www.hodgefirm.com/attorney/buergler-david-m/) - We Hold Insurance Companies Accountable David M. Buergler Attorney David Buergler is a graduate of Ball High School in Galveston, Texas. After attending Texas Tech University and South Texas College of Law, he and his wife moved back to Galveston where they have been I.B.C (Islanders By Choice) since 2007. He has practiced law in
- [William L. Pratt](https://www.hodgefirm.com/attorney/pratt-william-l/) - We Hold Insurance Companies Accountable William L. Pratt William Pratt has been a practicing attorney in Louisiana, Texas and Georgia for over 36 years in a practice handling cases in both state and federal courts. William has had a wide range of experience including class action, personal injury and commercial litigation for both plaintiffs and
- [John Rohlf Jewell](https://www.hodgefirm.com/attorney/jewell-john-rohlf/) - Rohlf Jewell is licensed to practice law in Texas and Louisiana. His practice is based in Texas, and he focuses on civil litigation.
- [Kelly C. Hairfield](https://www.hodgefirm.com/attorney/hairfield-katherine-kelly-c/) - Phone 409-762-5000 Email khairfield@hodgefirm.com Katherine “Kelly” Hairfield Katherine “Kelly” Hairfield was born and raised in League City, Texas. Kelly received her Bachelor of Arts in Communications and a Bachelor of Science in Psychology from Mississippi State University and her Juris Doctor from South Texas College of Law Houston. Kelly joined The Hodge Law Firm in
- [Emmanuel (Mike) N. Cokins](https://www.hodgefirm.com/attorney/emmanuel-mike-n-cokins/) - Phone 409-762-5000 Email mcokins@hodgefirm.com Emmanuel (Mike) N. Cokins Practice Areas First Party Insurance Claims (Bad Faith) 95% Maritime 5% Education South Texas College of Law Houston, Houston, Texas J.D. Honors: Dean's List The University of Texas, Austin, Texas B.A. - 1973 Major: English Literature Bar Admissions Texas, 1978 Past Positions Law office of Dennis L.
- [Contact Us](https://www.hodgefirm.com/contact/) - Contact Us The Hodge Law Firm 1917 Post Office Street Galveston, TX 77550 View on Google Maps Phone: 409-762-5000 Fax: 409-763-2300
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- [In The News](https://www.hodgefirm.com/in-the-news/) - Active Involvement Reflected In The News The Hodge Law Firm has been prominently featured in many news articles and stories. Below are a few of the recent headlines: Orange Co family takes legal action against insurance company over Hurricane Laura repairs | KFDM Lawyer: ‘Negligence’ in bus crash that killed 4 from Rock Hill (Herald
- [Bad Faith Insurance FAQ](https://www.hodgefirm.com/bad-faith-insurance-claims/bad-faith-insurance-faq/) - These are general information questions for both residential and commercial policyholders facing hurdles with their property damage claims.
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- [Denied Hurricane Insurance Claims](https://www.hodgefirm.com/bad-faith-insurance-claims/hurricane-damage/denied-claims/) - ​​Denied Hurricane Insurance Claims Lawyer When a hurricane damages your home or business, you expect your insurance policy to provide the protection you paid for. You file your claim, cooperate with the insurance company, and provide the requested documentation. Then the denial letter arrives, leaving you with costly repairs, financial uncertainty, and an insurance company
- [Commercial Hail Damage Claims](https://www.hodgefirm.com/bad-faith-insurance-claims/wind-hail-damage/commercial-claims/) - Business property damaged by hail? If your insurance claim was delayed, underpaid, or denied, we help commercial property owners pursue full compensation.
- [Hail Damage Insurance Claims](https://www.hodgefirm.com/bad-faith-insurance-claims/wind-hail-damage/insurance-claims/) - Hail Damage Insurance Claims Hailstorms can quickly cause extensive damage to homes and businesses. Roofing, siding, windows, and equipment are all vulnerable. Even when damage is not immediately visible, hail can weaken materials and lead to costly issues over time. Property owners typically rely on insurance to cover repairs, but the claims process is not
- [Hurricane Wind Damage Claims](https://www.hodgefirm.com/bad-faith-insurance-claims/hurricane-damage/wind-damage/) - Hurricane Wind Damage Claims Hurricane-force winds can quickly cause significant damage to homes and businesses, including roof failure, broken windows, damaged siding, and compromised structural integrity. Even less visible damage can create vulnerabilities that lead to costly repairs over time. While property owners rely on insurance coverage after a storm, many wind damage claims are
- [Hurricane Roof Damage Claims](https://www.hodgefirm.com/bad-faith-insurance-claims/hurricane-damage/roof-damage/) - Roof damaged by a hurricane? Our attorneys help property owners pursue insurance claims that are delayed, underpaid, or denied.
- [Underpaid Hurricane Insurance Claims](https://www.hodgefirm.com/bad-faith-insurance-claims/hurricane-damage/underpaid-claims/) - Underpaid hurricane claim? Our lawyers help property owners recover full compensation when insurance companies fail to pay what is owed.
- [Roof Hail Damage Claims](https://www.hodgefirm.com/bad-faith-insurance-claims/wind-hail-damage/roof-damage/) - Roof Hail Damage Claims Hailstorms can cause serious and expensive damage to roofing systems. Even a short storm can compromise your roof, allowing moisture to enter and create long-term issues. What may appear minor at first can lead to leaks, structural damage, and costly repairs over time. While property owners expect insurance to cover these
- [Denied Hail Damage Claims](https://www.hodgefirm.com/bad-faith-insurance-claims/wind-hail-damage/denied-claims/) - Denied Hail Damage Claims Hailstorms can quickly cause significant damage to homes and businesses, including compromised roofs, dented siding, cracked windows, and damaged equipment. Property owners expect insurance to cover repairs, but many receive denial letters instead of compensation. A denied claim can result in costly repairs and uncertainty about what to do next. At
- [Michael Fridman](https://www.hodgefirm.com/michael-fridman/) - Michael Fridman Phone 409-762-5000 Email mfridman@hodgefirm.com Michael has been an attorney in Washington State since 2011 and has been with the Hodge Firm since his family decided to move back to Texas in 2022. Michael enjoys running with his Husky, playing tennis and traveling with family. Education Texas Southern University Law School, Houston, Texas J.D.
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- [Property Damage Claims: What to Know](https://www.hodgefirm.com/bad-faith-insurance-claims/property-damage-claims-what-to-know/) - After Disaster Strikes Your Property Regardless of precautions taken and in spite of solid construction methods and materials, sooner or later, you may face the need to pursue insurance benefits after events that often lead to property damage insurance disputes, including: A large windstorm, hailstorm or hurricane, often resulting in storm-related property damage claims A
- [Common Difficulties with Insurance Claims](https://www.hodgefirm.com/bad-faith-insurance-claims/common-difficulties-with-insurance-claims/) - Insurance claims can be delayed, underpaid, or denied. Learn common challenges property owners face and what steps you can take to protect your claim.
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## Testimonials

- [I highly recommend Hodge Law Firm](https://www.hodgefirm.com/testimonial/i-highly-recommend-hodge-law-firm/) - The Hodge Law Firm was very helpful in getting ERIE Insurance to pay for my damaged roof (Hail & Wind Damage). It was a very long process, but the Hodge Law Firm was always there to answer any question(s) I had. I highly recommend Hodge Law Firm. They are true professionals and experts in dealing
- [I did not expect the Law Firm to actually recover money](https://www.hodgefirm.com/testimonial/i-did-not-expect-the-law-firm-to-actually-recover-money/) - When Harvey hit Galveston, my home and business was devastated. I filed a claim with the insurance company, and they found a policy provision that excluded me from coverage, and they denied my claim. I took my issues to Hodge Law Firm, and I could not be more delighted with the outcome of my lawsuit.
- [Would recommend without reservation](https://www.hodgefirm.com/testimonial/would-recommend-without-reservation/) - We had a tough case, but the firm took us on. They were very informative and kept us up to date on how everything worked as we had never hired lawyers before. They helped us come to a settlement (whereas if we didn’t hire them, the insurance company wouldn’t have given us anything). Would recommend
- [Greatly appreciate them fighting for us](https://www.hodgefirm.com/testimonial/greatly-appreciate-them-fighting-for-us/) - We were denied for hail damage. They were able to handle the case and win a generous settlement. Greatly appreciate them fighting for us.
- [I highly recommend using their services!](https://www.hodgefirm.com/testimonial/i-highly-recommend-using-their-services/) - The Hodge Law Firm did an excellent job at handling my case! My insurance company did not want to pay for the damages following the big freeze, so we contacted the Hodge Law Firm for help. They took care of us and our situation with professionalism. They were very detailed and thorough with every step