Property Insurance Claims Blog

Storm Damage Policies: Don't Get Rocked By A Hurricane.

Apr 17, 2018 8:34:00 AM / by Victoria Christensen posted in Homeowner Insurance

0 Comments

It’s that time of the year

Another hurricane season is coming to threaten our coastline and many Texans are still trying to recover from Harvey.

Colorado State University has predicted that we will have "slightly above-average" hurricane activity this season; also citing that the Gulf Coast has a 38 percent chance of being hit once again this year.

Since hurricane season is just around the corner, this is a good time for homeowners to check their insurance policies to see what is covered before a hurricane develops.

Read More

Hail Claim Denied in "Bad Faith"

Mar 20, 2018 9:30:00 AM / by Greg Tidmore posted in Bad Faith, Homeowner Insurance

0 Comments


Hail claim denied, now what?

In Texas, roof damage from hail is common. In fact, according to the Insurance Information Institute, Texas lead the nation in 2016 with over 830 hail events

Unfortunately, it's also common for insurance companies to deny homeowners' hail damage claims.  These denials are referred to as "bad faith," meaning that legally the insurance company should not have a reason to deny your claim.  The big insurance companies figured out that when they deny your claim, there is only a small chance that you will fight the denial. Even if you are one of the few that fight them and they end up paying your claim plus attorney's fees, they still come out way ahead and pocket millions of dollars extra each year. There is even a book about Allstate's intentional across-the-board claim denial and underpayment strategy called "From Good Hands to Boxing Gloves."

Whatever you do, DO NOT give up if your valid claim is denied - dispute it!

Read More

You’ve Experienced a Loss, Now What?

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

0 Comments

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.

Read More

Christmas Trees, Santa Claus, & Home Theft Claims

Dec 23, 2016 10:00:00 AM / by Christin Smith posted in Homeowner Insurance

0 Comments

 

"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.

Read More

Tales From The Crypt: Homeowners Insurance Horrors

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

0 Comments

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:

Read More

No Ark? Then You Need Flood Insurance

Aug 23, 2016 10:00:00 AM / by Christin Smith posted in Homeowner Insurance

0 Comments


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.

Read More

Claim Dispute Resolution

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

0 Comments

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.

Read More

Basic Claim Process for Homeowners, Renters Insurance Policies.

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

0 Comments


 

Read More

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

0 Comments


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. 

Read More

6 Key Steps to Avoiding Insurance Policy Problems

Oct 31, 2015 10:30:00 AM / by Brenda Martinez

0 Comments


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.

Read More