Homeowners insurance is meant to protect a homeowner from having to cover the often exorbitant costs of catastrophes that can affect a home. While some people might think of major damage, such as that from hurricanes or fires, there are some smaller issues that can...
Property Damage Insurance Claims
Do policyholders have rights after accepting a low settlement?
Homeowners insurance is a key resource for those who have invested in real property. Properties are at risk of damage due to environmental factors or crime, and homeowner's insurance can help mitigate some of that risk. All it takes is one major storm to leave a...
What should you do if a tree falls on your home?
When a tree falls on a home, the aftermath can be overwhelming. This turn of events can cause significant damage and create a stressful situation for homeowners. Most of the time, immediate concerns revolve around ensuring everyone's safety and preventing further...
Can an insurance company just ignore someone’s claim?
Most people who purchase real property in Texas also carry homeowners insurance. They may not even think about their coverage, as their mortgage company handles renewing and paying for the policy every year with funds from their escrow account. Financial institutions...
Is responsibility for a fire a reason to deny an insurance claim?
There are many ways that Texas homeowners could cause fire damage to their property. Sometimes, people forget that they have dessert or dinner in the oven when an emergency occurs. They leave the house to assist a family member or friend, and the food catches fire....
3 ways insurance companies try to avoid paying large claims
Homeowners in Texas generally need to carry homeowners insurance. Mortgage lenders require coverage to protect the collateral property for their loans. Those who have paid off their mortgages often recognize that a single premises liability claim or major storm could...
Insurance claim tips for mold damage
Mold in your commercial building can be a big problem. Not only can mold cause significant damage to your property, but it can also cause health issues for you, your workers and your clients – so it’s critical to take steps to remedy the issue as quickly as possible....
Lowball settlements are a sneaky insurance tactic
A home is usually someone's biggest investment, so they want to protect it. Those with a mortgage will have no choice but to carry homeowners insurance, and many others will purchase a policy to protect themselves against liability or the possibility of property...
Water damage could be more extensive than assumed
Water damage in a home can wreak havoc, causing not only immediate structural issues but also potential long-term health and financial consequences. The sources of water damage are diverse. A pipe could freeze and burst. Shingles could rip off in a storm. A plugged or...
Creating a home inventory: Guarding against disaster
Whether a flood, a fire, a break-in or some other kind of disaster occurred, how easily would you be able to list everything that had been destroyed or stolen? If you’re like most people, the task would seem overwhelming, and it might not even be possible to complete....