Owning a property is a huge investment, and as a responsible homeowner, you want to protect your property in case of unforeseen events. But what exactly does property damage insurance cover in Texas? The coverage provided by property damage insurance can vary...
Property Damage Insurance Claims
Is more than one estimate needed for a homeowner’s policy claim?
The process that governs a homeowner's insurance claim generally depends on the type of coverage that someone has and the nature of the property damage in question. Although such claims are subject to Texas insurance laws, an insurance company may delay the process as...
Your home inspection checklist for 2023: 4 areas to inspect
Texas has had some absolutely wild weather over the last few years – and that’s rough on your home. The wear-and-tear that comes with cyclical snows, frosts, thaws, rain and wind can do some damage, even if it isn’t immediately obvious. To protect your investment in...
Why delaying a property damage claim could hurt your case
Perhaps your property experienced flooding or significant wind damage in a recent storm. You might expect the insurance company to be totally overwhelmed with claims in the days following major weather events. Putting off making a call to your agents might just seem...
Can the insurance company increase the deductible on your claim?
What you pay for your homeowner's insurance reflects the value of the property you have insured, the claims you have previously made and the overall value of your policy. The higher your coverage limits and the lower the deductible, the more you will typically pay for...
Underpayment of insurance could be as problematic as a denial
Insurance companies have to consider every case that they get and decide if they're going to pay out the policy or not. When a homeowner’s dwelling suffers damage, they will probably file a claim to get the damage fixed, and the insurance company will then send an...
What to do if your insurance carrier ignores your claim
Your homeowner's insurance policy serves two important purposes. It protects you from liability when you have visitors at your property. It also protects you from catastrophic events, like extreme storms or burglaries. When you suffer some kind of loss, like damage to...
Tips for handling leak damage
A leak can quickly ruin your property, but there are steps you can take to prevent the damage from continuing. If you see a leak, your priority should be to find that leak. Being able to identify it is the first step in stopping the leak and getting the area ready for...
What to do if the insurance company tries to blame you for a fire
Accidents happen. This is one of the main reasons why people carry insurance coverage for their homes and properties. Unfortunately, insurance companies sometimes make false accusations or statements that they believe a homeowner started a fire themselves, which is...
5 tactics that insurance providers use to minimize payouts
When you want to make an insurance claim, it’s because you’re dealing with a loss. Maybe your home has been damaged, or perhaps your business has water damage from a recent storm. Whatever that issue is, it’s important for you to know what to expect during the claims...