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Canceling Your Property Insurance is a Risk

Rising costs of property insurance in Texas have fueled a new trend, canceling property insurance policies to save money. With the price of premiums increasing the past few years, some Texas homeowners are choosing to go without property insurance, figuring that the savings are worth the risk of going without coverage in a hurricane-prone state….
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Property Insurance Lawyers In Texas Find Evolving Laws Challenging

The Texas winter storm of 2021 resulted in billions of dollars of damage and property insurance claims.

“A wake-up call to many property insurance lawyers in Texas,” described Plano area LeMaster & Ahmed property insurance attorney Nejat Ahmed, who recently contributed to the most recent issue of The Journal of Texas Insurance Law. “At its core it was an analysis of the recent changes in property insurance law in Texas with legal…
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Home Insurance Claims From Arctic Storm Will Overwhelm Insurance Companies

Broken or Burst Water Pipes will cause severe damage to a house and its contents.

Do Home Insurance Claim Adjusters Lowball ? History has shown that insurance companies are often in an adversarial relationship with their policyholders. Insurance lawyers help even the odds. “Businesses and homeowners will be filing hundreds of thousands of home insurance claims for property damage due to the arctic storm that hit Texas and the rest…
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The Water Pipes Burst – Now What?

Water from burst water pipes has saturated the insulation above the ceiling and the sheetrock of the ceiling.

Thousands of Texas homeowners are having to deal with the home damage inflicted by the arctic winter storm of 2021. Some homeowners had prior experience with this sort of disaster and they shut off the water to their homes and drained the water pipes in the walls and attic of their houses. However, many who…
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What is Personal Injury Protection Coverage?

Personal Injury Protection Coverage (“PIP”) is first-party coverage that is also extended to your passengers.  It covers your and your passenger’s medical bills and also includes payment for lost wages and other nonmedical costs. There is no right of subrogation associated with PIP coverage, with minimal exception, as opposed to coverage for medical payments, which is…
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What are the Basic Types of Auto Insurance Coverage Available for Purchase in Texas?

Understanding basic auto insurance coverage is important to be sure that you are in compliance with Texas law and also important to ensure you are adequately covered when an accident happens.  Here is a quick list of the eight basic types of auto insurance coverage. Liability coverage: This coverage is to cover third parties involved…
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What is Uninsured/Underinsured Motorist Coverage and What Does it Cover?

UM/UIM coverage provides coverage if you are hit by someone who did not have insurance or did not have enough insurance to pay your medical and car repair bills. It also provides cover if you are involved in a hit-and-run accident and are unable to identify the at-fault party.  The Texas Insurance Code requires UM/UIM…
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Insureds Must Segregate Damages That Occur Prior to Policy Period From Those Occurring During the Policy Period

The Northern District of Texas recently granted summary judgment in favor of an insurer where the insured failed to segregate damages occurring prior to the policy period from those occurring during the policy period.  In Frymire Home Services, Inc. v. Whitfield Capital, LLC, 2020 WL 7259335 (N.D. Tex. Dec. 10, 2020), at issue was hailstorm…
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Insured Commercial Property Owner Suffering Hail and Wind Damage to Its Roofing System Survives A Motion to Dismiss by Travelers

In Albion Invest. Inc. v. Travelers Casualty Ins. Co. of America, 2020 WL 7041817 (E.D. Tex. Dec. 1, 2020) the court considered a motion to dismiss filed by the insurer, Travelers.  Travelers sought to dismiss the claims of its insured, Albion Investments, Inc. (“Albion”).  Albion owned commercial property which was covered by a policy issued…
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What Should I Do After a Car Wreck?

More and more drivers are on the roads after a long absence during the pandemic.  More and more drivers mean more and more accidents.  After a car accident occurs, it is important to take some critical steps, especially if the wreck wasn’t your fault.  Here’s a quick check list: Safety and Health First. It goes…
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