Property Insurance Claims Blog

You’ve Experienced a Loss, now What?

Feb 8, 2018 8:34:38 AM / by Greg Tidmore

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Whether you rent or own, at some point you’ll likely have to make a homeowners insurance claim.

One night you may forget to close the garage door and discover that given the chance, all your power tools ran away from home! Or perhaps you host a birthday party, and the unattended kid brother – who wasn’t invited – wanders in front of the swing set and ends up with a broken arm. Or maybe a typical Texas hailstorm causes just enough damage to warrant a new roof.

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Hail Claim Denied in "Bad Faith"

Feb 1, 2017 3:42:19 PM / by Christin Smith posted in Bad Faith, Homeowner Insurance

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Hail claim denied, now what?

In Texas, roof damage from hail is common. Unfortunately, it is also common for insurance companies to deny claims when homeowners' claims when they have coverage for this type of damage to their home. These denials are referred to as "bad faith," meaning that legally the insurance company should not have a reason to deny your claim.  Do not give up if your valid claim is denied - dispute it!

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Christmas Trees, Santa Claus, & Home Theft Claims

Dec 23, 2016 10:00:00 AM / by Christin Smith posted in Homeowner 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 the highest. The criminals perpetrating these thefts aren’t typically professionals, but amateurs looking to quickly score items like electronics, jewelry and gadgets. Here are some ways to protect your home during the holidays.

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Tales From The Crypt: Homeowners Insurance Horrors

Oct 28, 2016 4:46:53 PM / by Christin Smith posted in Homeowner Insurance

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It's that time of the year when ghosts and gobblins surface, hearing Michael Jackson's Thriller on repeat (you know the dance), and overdosing on candy.  Halloween is all fun and games until a trick-or-treater trips, 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 Christin Smith posted in Homeowner 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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Storm Damage Policies: Don't Get Rocked By A Hurricane.

Aug 5, 2016 10:00:08 AM / by Christin Smith posted in Homeowner Insurance

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It’s that time of the year.

Texas is still recovering from the recent Memorial Day and the Brazos River floods.  If a severe thunderstorm can cause this much damage, are you ready to face a hurricane?  The National Oceanic and Atmospheric Administration have predicted a “near normal” season. This could mean an increase in storms, since hurricane activity has been down for past three years.

Currently being in hurricane season, this is a good time for homeowners to check their insurance policies to see what is covered if a hurricane develops.  

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Claim Dispute Resolution

Jul 1, 2016 6:00:00 PM / by Christin Smith posted in Homeowner 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, Renters Insurance Policies.

Jul 1, 2016 6:00:00 PM / by Christin Smith posted in Homeowner Insurance

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

Jun 17, 2016 11:34:14 AM / by Christin Smith posted in Homeowner 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 Brenda Martinez

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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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