Property Insurance Claims Blog

Greg Tidmore


Recent Posts

It’s Peak Hail Season, are you Prepared?

May 31, 2018 3:59:17 PM / by Greg Tidmore posted in Homeowner's Insurance

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In 2017, Texas experienced 747 hail storms, as documented by the NOAA’s National Weather Service. May is the most active month for hail, accounting for 22% of the entire year.

Hail forms when a thunderstorm updraft lifts a water droplet above the freezing level in the atmosphere. The frozen water droplet then accretes super-cooled water or water vapor, which freezes once it comes in contact with the frozen droplet. This process causes a hailstone to grow.1

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What Causes Homeowners Insurance Premiums to go Up?

Apr 24, 2018 4:24:00 PM / by Greg Tidmore posted in Claims process, Homeowner's Insurance

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Most people have insurance policies to protect themselves should something go wrong, then when something does, they’re afraid to use it!

That sounds crazy at first. You have insurance. Something went wrong. Why not use it?

The fear is that by making a claim, rates will go up or you risk cancellation. But is that fear rational? Let’s explore what causes rates to go up and policies to be cancelled.

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Hail Claim Denied in "Bad Faith"

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

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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!

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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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No Ark? Then You Need Flood Insurance

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