August 31, 2017
There has been some confusion about the effect of a new Texas law that limits the future legal rights of people and businesses that will be filing insurance claims for damage from Hurricane Harvey. The new law comes into play in situations where an insurance company wrongfully underpays or denies a claim.  The law will impact policyholders differently, depending on what type of insurance policy they have and when they notify their insurer of Harvey damage.  There are at least three types of insurance policies at issue:  Policies issued by standard/private insurance...
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August 30, 2017

Unless a bank requires you to buy it, you probably aren't paying for flood insurance on your home. Maybe it's because you don't live near water. Maybe it's because your community mapping is outdated. Maybe it's because an insurance agent said you don't need it. Maybe you can't afford it. Whatever the reason, now would be a GREAT time to reconsider.  So much rain fell on Texas during Hurricane Harvey in August 2017 that the National Weather Service had to add...

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August 8, 2017

 

Here you will find first steps after a wildfire and tips, tools and resources for recovering from a partial or total wildfire loss. Our main focus is on helping you navigate your insurance claim toward a full, fair and prompt settlement, but we also offer guidance on emotional recovery, debris removal, temporary living arrangements, government aid, construction issues, hiring professional help, and deciding how and if you will repair, rebuild or buy a replacement home.

If your home has been damaged or destroyed by the wildfire, we are very sorry.  Watch the...

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August 2, 2017

 

If you are told to evacuate immediately, do so.  If you think you may have to evacuate, we suggest the following ASAP:  

1) Document your home and "stuff". If you do not have a home inventory, create one before you evacuate.  Take pictures or a video of each room and the exterior of your house to document your property.  If you have the time, open closets and drawers. Build as much of an inventory as time permits including furnishings, artwork, jewelry, appliances, electronics, collections and special...

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June 22, 2017
 
The availability of insurance coverage for loss or damage can hinge on the smallest details.  Did your insurer record that it received your notice letter?  Did your insurer’s investigator take note of those small but critical facts you pointed out during the investigation?  Did you meet that obscure condition of coverage buried in the fine print of your policy? 
 
For policyholders seeking coverage for weather-related damage to their home or business, this information can make the difference between survival and...
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