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Everything you need to know about the home insurance claims process
Home insurance claims can be a bit daunting if you’ve never navigated the process before. Here’s a comprehensive overview: 1. Understand Your Policy: Before you can file a claim, it’s essential to understand what your policy covers. Most standard homeowners insurance policies provide coverage for: Dwelling (your home’s structure) Other structures (sheds, fences, etc.) Personal…
Read MoreThe History and Meaning of the term “Hazard Insurance”
“Hazard insurance” refers to insurance coverage that protects property owners against damage caused by natural disasters, such as storms, fires, earthquakes, and floods. The term “hazard” in this context represents anything that can cause damage to a property. The term can mean different things to different people, so whenever hearing the words “hazard insurance” in…
Read MoreInsurance Companies Pulling Out of Texas – A Growing Concern
It happened in Florida following devastating hurricanes ravaged their state. The same in Louisiana following the unthinkable damage left in the wake of Hurricane Ida. Again, it would take place in California following wildfires. Now, in 2023, insurance companies pulling out of Texas has become a reality.
Read MoreWhy are homeowners insurance costs skyrocketing in Texas?
The cost of homeowners insurance can fluctuate over time due to a variety of reasons. Some of the key factors that can drive up the cost include: Natural Disasters and Extreme Weather Events: An increase in the frequency or severity of natural disasters, such as hurricanes, wildfires, floods, or tornadoes, can result in higher claims.…
Read MoreWhat Does the Texas Department of Insurance Do? The Definitive List
The Texas Department of Insurance (TDI) serves as the primary regulator for the insurance industry in the state of Texas. Its primary mission is to protect insurance consumers by ensuring that the insurance industry operates fairly and efficiently. Here’s a list of what the Texas Department of Insurance does, with explanations for each function: Licensing:…
Read MoreMost Expensive Car Repairs and Car Parts in Texas
Car repairs can be pricey, especially when it comes to replacing specific parts. Here’s a list of some of the most expensive car parts to replace and the reasons why they’re costly: Engine: This is one of the most crucial parts of a vehicle. Why it’s expensive: The engine is the heart of the car.…
Read MoreLo 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 MoreTexas 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 MoreWhat 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 MoreDo 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…
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