Property Insurance Claims Blog

Christmas Trees, Santa Claus, & Home Theft Claims

Dec 23, 2016 10:00:00 AM / by Greg Tidmore posted in Homeowner's Insurance

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"You're a mean one..."

The holiday season is a time for fun and festivities. Unfortunately, it’s also a time when many homes are burglarized and theft claims are at their highest. The criminals perpetrating these thefts aren’t typically professionals, but amateurs looking to quickly score items like electronics, jewelry, and gadgets from unsuspecting victims.

Here are some ways to protect your home during the Christmas holidays:

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Tales From The Crypt: Homeowners Insurance Horrors

Oct 28, 2016 4:46:53 PM / by Greg Tidmore posted in Homeowner's Insurance

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It's that time of the year with ghosts and goblins, Michael Jackson's Thriller, Elvira, and candy overdoses. Halloween is all fun and games until a trick-or-treater trips and knocks over your jack-o-lantern and sets your front porch on fire. 

Fortunately, most homeowners insurance policies cover these common Halloween home mishaps:

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No Ark? Then You Need Flood Insurance

Aug 23, 2016 10:00:00 AM / by Greg Tidmore posted in Homeowner's Insurance, Flood Insurance

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Do You have flood insurance?

When a flood happens, homeowners are mostly shocked that their home insurance doesn't cover flood damage. Homeowners might think they have flood insurance with their storm damage policies, but flood insurance is a separate policy. It's always best for homeowners to look over their policies annually, to know exactly what is and isn't covered before getting caught in a storm.

Here are three common questions regarding flood insurance - what it covers, what it excludes, and if it's mandatory.

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Claim Dispute Resolution

Jul 1, 2016 6:00:00 PM / by Greg Tidmore posted in Homeowner's Insurance

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Why Dispute a Claim?

There might be a time when you have to file a property damage claim with your insurance company, and you may disagree with your insurer over damages or home repairs. You have the right to disagree with the insurance company’s estimates and reject their settlement amount.

Claim disputes are common. If the insurance company refuses to make adjustments to the estimate, you can dispute the claim by using these methods.

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Basic Claim Process for Homeowners and Renters Insurance Policies

Jul 1, 2016 6:00:00 PM / by Greg Tidmore posted in Homeowner's Insurance

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Rent or Own, the Insurance Bill of Rights is for You

Jun 17, 2016 11:34:14 AM / by Greg Tidmore posted in Homeowner's Insurance

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Texas' Consumer Bill of Rights for Insurance Policy Holders

Most property insurance policies are bought out of necessity and policy owners hope they never to have to make a claim.

But storms, vandals, or burglars are a fact of life and when they strike the results can be damages that necessitate making a claim.

Most policyholders have  very little experience or knowledge about the claims process and their rights as a policyholder.  An insurance policy lays out contractual procedures of the claim process while the Bill of Rights is a summary of the consumer's rights.

What does the Texas Consumer Bill of Rights have to do with your homeowner's insurance policy?  EVERYTHING!  People do not realize that a policy is more than that, it is legal contract between you as a consumer and the insurance company.  This is how the Bill of Rights comes in.  The Texas Department of Insurance created a Consumer Bill of Rights for homeowners' in the State of Texas. 

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6 Key Steps to Avoiding Insurance Policy Problems

Oct 31, 2015 10:30:00 AM / by Greg Tidmore posted in Homeowner's Insurance

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Important Steps To Avoid Insurance Policy Problems:

NEVER settle for the first offer!! Always call/visit different agencies to get the best rates and coverages.

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Filing A Business Interruption Insurance Claim

Sep 24, 2015 10:30:00 AM / by Greg Tidmore posted in Commerical claims

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In my previous posts, What is Business Interruption Insurance?  and 5 Business Interruption Insurance Requirements, I have covered what this type of insurance is and the requirements needed to file a claim. I would say by now we all have a clear understanding of how this insurance policy helps your business if there is damage to the property, such as fire damage or a ton of bricks falling from a roof and damaging the walkway. These examples qualify for a business interruption insurance claim.

Often, you will need to hire an adjuster or an insurance attorney to help with the claim process. While business interruption insurance covers you sometime the insurance company does not readily hand off the money.  Let's examine the actual filing process so you receive what you are due.

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5 Business Interruption Insurance Requirements

Sep 19, 2015 10:20:05 AM / by Greg Tidmore posted in Business Interruption Insurance

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Let’s Review

In my previous post, What is Business Interruption Insurance?  I covered what this particular insurance is and how it helps your business during temporary shutdowns.  Now you might be asking yourself, “What are the requirements if I want to file a claim?” Well my friend, I have the answer to that very question. So let’s skip the fancy introductions and get right to it.  

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5 Ways Insurance Companies Pocket Your Money - Part 2

Sep 15, 2015 3:15:36 PM / by Jack D. Kitchen, Esq posted in Bad Faith

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A continuation on our previous post highlighting steps that insurance carriers take to keep claim benefits to themselves.   In Part 1, of 5 Ways Insurance Companies Pocket Your Money we addressed sneaky depreciation and skimping on roofing components.  Add the following to your list of sneaky insurance carrier tactics to watch out for. 

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