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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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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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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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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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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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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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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Allstate was recently held accountable by a San Antonio Court of Appeals for its unreasonable claim investigation; however, the court fell short in upholding an award of treble damages because it failed to find a knowing violation of the Texas Insurance Code. In Allstate Vehicle and Prop. Ins. Co. v. Reininger, 2020 WL 6928405 (Tex….
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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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As we enter what appears to be a robust and record-setting hurricane season, it is important to think about what business and homeowners should do in the event they sustain property loss as a result of a covered peril. Here is a short list of what to do immediately after a loss: Know Your Insurance…
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