An insurance agency has a specific duty to settle and pay a claim that meets the required standards for an insured damage. This duty is set into motion when the claimant submits what is considered a “satisfactory proof of loss.” In Louisiana, the courts have held that satisfactory proof of…
There are a multitude of different insurance policies available for homeowners to protect their home or property from all the damages that can occur in life. Along with windstorm and flood policies, there are also insurance provisions that home owners hope will protect them no matter what happens. One such…
When dealing with insurance plans and the intricate clauses involved, it is important to fully understand the language used. In utilizing terms like these, insurance companies embed vague, variable levels of damage responsibility so as to skirt responsibility in the event damage comes to your home under what is supposed…
During the holiday season, the blog will be taking a brief break so as to allow staff to focus hard on insurance cases coming in before the calendar year ends. The blog will resume in early 2009 with new and helpful information on hurricane and other damage-related insurance claims for…
Home deterioration can happen anywhere as a result of the natural climate and conditions that exist in the Gulf Coast. Whether it is the ceiling caving in or holes emerging in the floor, various different calamities can develop in your home that require action and repair. Under Texas law it…
The law of Louisiana is very clear about its desire to protect the people from insurance companies and agents with bad intentions. All insurance agencies, whether Allstate, State Farm, or others, are governed by the law to be honest and clear about their policies. While the state would like it…
Texas drivers often have to worry about getting into an accident with uninsured drivers and all of the financial difficulties that come with the repairs and any injuries that result. Those with Uninsured/Underinsured Motorist Coverage purchase these policies in order to be protected from such possible problems. These policies (UM/UIM)…
Insurance fraud is something everyone is aware of and leads to significantly higher premiums for anyone looking for protection. What the insurance companies do not talk about, though, is the very insurance fraud that goes on within the industry itself. While companies may drag their feet or act in bad…
Personal Injury Protection (PIP) automobile coverage in the state of Texas is a common insurance agreement in which the carrier will pay benefits to the policy holder because of “bodily injury resulting from a motor vehicle accident and sustained by a covered person.” Thus, helping someone financially who has been…
The recent series of storms to come through the Gulf region have caught even some of the most seasoned residents off-guard when it comes to making insurance claims. In the wake of these storms, Texas residents statewide have encountered a wide variety of problems when making their claims. It’s important…