Property Insurance Claims Blog

Christin Smith

Legal Assistant

Recent Posts

Christmas Trees, Santa Claus, & Home Theft Claims

Dec 23, 2016 10:00:00 AM / by Christin Smith 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 Christin Smith 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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Claim Dispute Resolution

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

Jul 1, 2016 6:00:00 PM / by Christin Smith 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 Christin Smith 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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Filing A Business Interruption Insurance Claim

Sep 24, 2015 10:30:00 AM / by Christin Smith posted in Commerical claims

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https://www.lanelaw.com/property-insurance-claims/blog/3-considerations-before-signing-with-a-public-adjuster-or-attorney

   

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 Christin Smith

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Let’s Review

In my previous post, What is Business Interruption Insurance?  I covered what this paticular 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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What is Business Interruption Insurance?

Sep 9, 2015 4:07:44 PM / by Christin Smith posted in Commerical claims

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It’s that time of the year when the winds pick up speed, the clouds start rolling in and the water level starts to rise. It’s hurricane season. As a manager or building owner of an apartment complex, you prep for these situations. You buy the right types of property insurance, which includes fire, flood, and other damage. You think you have done everything you needed to do to be prepared for a storm.

Then you get the word from the local news station, “Category 4 Hurricane. Must Evacuate.” You pack up your things and leave before the hurricane hits the Greater Houston area. You return to the apartment complex and find mulitple trees down, no power, flood damage to every apartment on the first floor, and holes in some of the roofs. Fortunately, your insurance company takes care of all of the property damage.

But what about business operations? Bills must still be paid even though much of the apartment complex is unihabitable. Your business is temporarily shut down severally limiting incoming income. Fortunately, there’s insurance for that, it is called Business Interruption Insurance.

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3 Considerations Before Signing with a Public Adjuster or Attorney

Aug 29, 2015 10:30:00 AM / by Christin Smith posted in Commerical claims

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"Don't run before you walk."

Your apartment building is affected by a citywide flood or maybe a fire that makes the local news.  You file an insurance claim and soon realize this is a bigger job than expected and you need professional help.  You begin interviewing public adjusters and attorneys you are interested in hiring.

All of a sudden, everyone starts throwing numbers, strategies and promises at you. It becomes too much, and you just want to stick your head in the sand. This is the point when you stop talking to everyone.

Sit down and lay out everyone's offer. 

The point of hiring an experienced professional is to relieve your stress and help make better decisions.

To help make this decision less overwhelming, here are some thoughts to keep in mind when you are about to hire a public adjustor or attorney. 

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