Lo que debe de saber antes de reemplazar su techo
El clima de Texas puede maltratar bastante el techo de una vivienda. Antes de reemplazar o reparar su techo, conozca cómo su seguro podría ayudarle. Pregúntele a su aseguradora o agente: ¿Costo de reemplazo o valor actual en efectivo? Cuando usted compra o renueva su póliza de vivienda, pregunte cómo pagan por los daños o por el…Read More
Texas Commercial Property Insurance Coverage Option Guide
Commercial property insurance pays to repair or replace your building and business property damaged by a fire, storm, or other event covered by the policy. It can also pay some of your lost income if your business is unable to operate normally. Coverage options There are three different levels of commercial property coverage. Each level…Read More
What if my Texas home insurance claim isn’t paying enough?
If you disagree with the adjuster’s final claim estimate, tell the company why. The company may have overlooked something and may make adjustments. Make sure to send any supporting documentation, such as a contractor’s estimate for the repairs. If you still disagree, you have several options to challenge your insurer’s decision. Request an appraisal Your…Read More
Do I need uninsured / underinsured motorist coverage in Texas?
It’s bad enough when you’re in a car wreck. But it can be much worse if the driver who caused the accident doesn’t have insurance or doesn’t have enough insurance. Uninsured motorist coverage can help. It’s like buying an extra insurance policy to cover you when the driver who caused the accident didn’t have enough…Read More
How do I find the best Texas insurance agent?
How do I find the best Texas insurance agent? Whether you’re buying a policy for the first time or shopping for a better deal, choosing an agent or company can seem overwhelming. But we can help 1. What are my options? You can buy an insurance policy from an agent, broker, or directly from a…Read More
How to file a complaint against a Texas insurance company
Step 1: Talk to the insurance company. You can resolve many issues by talking to your insurance company or agent. If you disagree with the adjuster’s estimate, tell the company why. The company might raise the estimate if it finds out that it overlooked something or gets new information. Send the company any supporting documents,…Read More
100 insurance companies sue ERCOT, power generators for 2021 winter storm losses
More than 100 insurance companies are suing the Texas power grid operator and dozens of power generators, over losses and property damage sustained during the winter storm last February. The lawsuit, filed in Travis County District Court, said the Electric Reliability Council of Texas (ERCOT) and 37 different power generating entities were “at fault” for…Read More
What was the most common car insurance claim in 2021? AAA Texas says it’s this
AUSTIN (KXAN) — AAA Texas released its top three auto insurance claims of 2021, and what seems minor could actually have a big impact on your premiums and on others around you. The agency’s auto insurance division processed three types of claims the most over the past year. Rear-end collisions/fender benders Crashes while backing up…Read More
Texas landlords will have to disclose flood risk to tenants eff Jan 1st 2022
Twenty-three new Texas laws go into effect on Jan. 1. None are as high-profile as some of the big-ticket items that passed during the state’s four legislative sessions this year – like the state’s strict abortion and voting laws – but they’ll nonetheless impact Texans in some fashion. Below is a list of every new…Read More
Concurrent Causation And The Insurance Policyholder’s Burden To Segregate Damages In Texas
In property insurance disputes involving concurrent-cause issues, Texas law places the burden on a policyholder to segregate alleged damages between covered and non-covered causes of loss. See Lyons v. Millers Casualty Insurance Co. of Texas. So, does this mean that a policyholder can meet this burden by simply insisting that 100% of the alleged damages…Read More