Texas is one of the most disaster-prone states in the United States. Vulnerable to hurricanes and flash floods, Texas is notorious for high frequencies of strong storms. It ranks alongside Florida as a top state for extreme weather. When protection is not enough As a...
Property Damage Insurance Claims
What happens when a contractor causes damage to your home?
A home renovation or repair project can quickly go from exciting to stressful when something goes wrong. Whether a contractor damages your plumbing during a remodel or leaves structural issues after a roof replacement, you may be wondering what legal options you have...
4 phrases that could kill your insurance settlement in Houston
As a commercial property owner in Houston, you've already faced the stress of unexpected damage. Now comes the claims process and every word you say to an insurance adjuster counts. Insurance adjusters work for the insurance company, not for you. Hence, what you say...
How depreciation affects your Texas insurance property claim
After a storm damages your roof or a fire destroys part of your home, you expect your insurance payout to cover the cost of repairs. The check you receive, however, may be significantly less than what it takes to restore your property, and you might be wondering why....
Winter woes: Protect your Texas home from frozen pipe disasters
As January brings chilling temperatures across Texas, homeowners face the threat of winter-related property damage. The recent cold snap has plunged temperatures below freezing in many areas, putting your pipes and property at risk. These freezing conditions don't...
How to fight bad faith tactics when insurers cross the line
Property owners buy insurance to protect their hard-earned investment. Yet after a fire, storm or major loss, some insurance companies delay, deny or underpay claims. These tactics can leave commercial and multi-family property owners feeling abandoned at the worst...
Will insurance pay if a contractor botches repairs?
If a contractor’s repair leaves your property worse off, your first instinct might be to turn to insurance for help, but insurers don’t always step in. Most policies draw a hard line between unexpected damage and defective work. Here’s how coverage usually applies...
3 mistakes when filing commercial property claims in Houston
When hurricane season hits Houston, your commercial property could sustain significant water damages. Imagine needing extensive repairs to keep your business going. So you snap a few photos of your waterlogged building, submit an insurance claim and hope for the best....
How does the law define an “act of God” in property damage cases?
In Texas, property damage claims can become complex, especially when natural events are involved. The term "act of God" often arises when these events, beyond human control, cause property damage. Understanding how Texas law defines an "act of God" helps property...
Navigating homeowners’ insurance and FEMA aid
Those who live in the Houston area and throughout Texas are often familiar with weather extremes and catastrophic events, including hurricanes, flooding and wildfires. The greatest concern when disaster strikes is typically getting loved ones and others to safety....

