# Millin & Millin, PLLC


## Posts

- [Surveying the Damage of the March 7-8 Rio Grande Valley Storm](https://millinmillin.com/post/surveying-the-damage-of-the-march-7-8-rio-grande-valley-storm/): On the evening of March 7 into the early hours of March 8, a severe thunderstorm hit the Rio Grande Valley (RGV), particularly impacting Roma and Rio Grande City. If you live in these areas or you were impacted by this storm, you can keep reading to learn more about it. Keep in mind that […]
- [Sending a Bad Faith Letter to Your Insurance Company](https://millinmillin.com/post/sending-a-bad-faith-letter-to-your-insurance-company/): When you sign up for comprehensive homeowner’s insurance, you should be able to rely on that coverage in case of an emergency. Unfortunately, insurance companies don’t always want to hold up their end of the bargain. In those cases, they may act in bad faith in an attempt to get out of paying what they […]
- [Reasons Your Health Insurance Claim Might Be Denied](https://millinmillin.com/post/reasons-your-health-insurance-claim-might-be-denied/): Unfortunately, accidents happen and things don’t always go as planned. An insurance claim that's denied only adds to the frustration of an already difficult situation. People end up in predicaments like this all the time, but why and how? While some claims are denied in bad faith, there are many reasons why a health insurance […]
- [Bad Faith Insurance Lawyers and The “Duty to Defend:” What You Should Know](https://millinmillin.com/post/bad-faith-insurance-lawyers-and-the-duty-to-defend-what-you-should-know/): The fact of the matter is that individuals need insurance for a variety of circumstances. From protecting our families to protecting our property from the unpredictability of the world, insurance is essential.  But what happens when an insurance company doesn’t follow through with its end of an agreement? This is where bad faith insurance lawyers […]
- [What You Need to Know About Hurricane Homeowner Claims](https://millinmillin.com/post/what-you-need-to-know-about-hurricane-homeowner-claims/): Gulf Coast living provides many exciting recreational activities that the land-locked residents of most other states do not get to experience. But these opportunities come with a risk; warm-water hurricanes. Homeowners know they must prepare for these events, and that includes knowing how to purchase insurance that will help you rebuild in case your part […]
- [Where Should I File My Bad Faith Insurance Lawsuit?](https://millinmillin.com/post/where-should-i-file-my-bad-faith-insurance-lawsuit/): There’s no denying that insurance coverage and insurance claims can be frustratingly complex and confusing. Unfortunately, this is especially true of cases in which a person needs to sue their own insurer.  Even seemingly simple questions, like where to file your suit, can lead to complicated and unclear answers. Still, if you had an insurance […]
- [M&M: Keys To Legal Savviness in 2021: How Knowing Your Rights Is The First Step In Protecting Yourself](https://millinmillin.com/post/mm-keys-to-legal-savviness-in-2021-how-knowing-your-rights-is-the-first-step-in-protecting-yourself/): Keys To Legal Savviness in 2021: Know Your Rights to Protect Yourself The pandemic has affected all of us in a wide variety of ways, few of them good. Along with the wave of harmful events that affected businesses and individuals alike came a wave of insurance claims related to that harm. Unfortunately, proving your […]
- [M&M: What to know about civic authority coverage](https://millinmillin.com/post/mm-what-to-know-about-civic-authority-coverage/): Civil Authority Coverage, Natural Disasters, and the Coronavirus While most business owners are probably familiar with the more common types of insurance claims, they may be at a loss when it comes to seeking coverage for more rare types of damage. After a year like 2020, business owners are probably dealing with some pretty rare […]
- [5 Common Insurance Claims You Need to Know About](https://millinmillin.com/post/5-common-insurance-claims-you-need-to-know-about/): While insurance policies may vary widely in the kinds of losses they cover, the sorts of claims a person might make come in a few common forms. Whether you’ve been involved in a car accident or suffered a house fire, you may be able to file an insurance claim for the compensation you need.  Unfortunately, […]
- [Time is of the Essence: COVID-19 Business Interruption Claim Deadlines Approaching](https://millinmillin.com/post/time-is-of-the-essence-covid-19-business-interruption-claim-deadlines-approaching/): It has been a year since the COVID-19 pandemic began and drastically changed the world and the way society functions.  This date is doubly important for business owners and policyholders who may not be aware that the deadline for filing a COVID-19 business interruption insurance claim is fast approaching. Depending on the specifics of your […]
- [What to Know About Life Insurance and COVID-19](https://millinmillin.com/post/what-to-know-about-life-insurance-and-covid-19/): Life insurance is a valuable resource for anyone, as it pays out a lump sum to family and/or other dependents in the event you pass away during the term of the policy. A life insurance policy affords the peace of mind that loved ones will be financially protected in the event of your death, and […]
- [Seeking Compensation Through COVID-19 Business Interruption Claims](https://millinmillin.com/post/seeking-compensation-through-covid-19-business-interruption-claims/): COVID-19 has had a devastating impact not only on the American people, but also on the economy. Many businesses are closed in order to do their part to slow the spread. Because of this, business interruption relief is in high demand. Unfortunately, many businesses are seeing their claims denied, even if their policy doesn’t exclude […]
- [Cheers Owner Sues Over Business Coverage Denial](https://millinmillin.com/post/cheers-owner-sues-over-business-coverage-denial/): The owner of Cheers in Boston is suing its insurance carriers over what it claims was a wrongful denial of its business interruption insurance claims. Hampshire House, the owner of five restaurants and a distribution center, claims to have lost millions of dollars due to the pandemic. As the novel coronavirus spread across the globe […]
- [Tips for Fighting Against a Business Interruption Denial](https://millinmillin.com/post/tips-for-fighting-against-a-business-interruption-denial/): Many business owners are filing business interruption claims for the first time this year. As COVID-19 has spread across the globe, shutdowns and social distancing have necessarily followed it. Businesses that rely on a healthy economy are finding themselves facing substantial financial difficulties.  One way to seek financial support for the time your business will […]
- [What Business Owners Should Know About Business Interruption Insurance Claims](https://millinmillin.com/post/what-business-owners-should-know-about-business-interruption-insurance-claims/): COVID-19 has monumentally shifted how the world does business, putting a great deal of small business owners in financial hardship. While the government has given small businesses and large corporations some monetary relief, the case still stands that business owners are living through a time of great financial turmoil.  Business interruption insurance might be the […]
- [Millin & Millin Supports Companies During COVID-19](https://millinmillin.com/post/millin-millin-supports-companies-during-covid-19/): Trying to stay healthy and safe during the coronavirus pandemic is at the forefront of everyone’s mind right now. However, in order for social distancing to take place and be effective, businesses have had to adjust to local, state and federal mandated orders to either shut down operations or alter them significantly.  These changes have […]
- [MILLIN & MILLIN: EXPERIENCED ATTORNEYS FIGHTING FOR YOUR COVID-19 BUSINESS INTERRUPTION CLAIM](https://millinmillin.com/post/millin-millin-experienced-attorneys-fighting-for-your-covid-19-business-interruption-claim-2/): For two decades, Millin & Millin, PLLC has represented hundreds of policyholders in their fight against insurance companies who wrongfully denied or underpaid their commercial property insurance claims. During this time, our firm has litigated claims for business interruption and property damage for hotels, retail centers, churches, office buildings, warehouses, and public schools all over […]
- [MILLIN & MILLIN: EXPERIENCED ATTORNEYS FIGHTING FOR YOUR COVID-19 BUSINESS INTERRUPTION CLAIM](https://millinmillin.com/post/covid-19-business-interruption-claim/): For two decades, Millin & Millin, PLLC has represented hundreds of policyholders in their fight against insurance companies who wrongfully denied or underpaid their commercial property insurance claims. During this time, our firm has litigated claims for business interruption and property damage for hotels, retail centers, churches, office buildings, warehouses, and public schools all over […]
- [What Construction Companies should know about Texas Builder’s Risk Insurance This Spring Season](https://millinmillin.com/post/what-construction-companies-should-know-about-texas-builders-risk-insurance-this-spring-season/): As we start spring, construction projects are likely to increase now that the winter months have come to an end. Unfortunately, spring is also the season of storms, so it is extremely important to have the right builder’s insurance set in place in preparation for a bad situation.  The purpose of construction insurance is to […]
- [A New Year Should Mean an Annual Insurance Review](https://millinmillin.com/post/a-new-year-should-mean-an-annual-insurance-review/): At the beginning of the new year, many people often make resolutions to better themselves. From eating healthier to exercising more, saving money to completing a project, we all make goals for the year.  In 2020, resolve to better protect yourself and your loved ones by performing an annual insurance review. This simple act can […]
- [Insurance Companies MUST Pay for Accidents Caused by a Drunk Driver](https://millinmillin.com/post/insurance-companies-must-pay-for-accidents-caused-by-a-drunk-driver/): While insurance companies are obligated to compensate victims of drunk driving accidents, there have been instances where they attempt to avoid paying out by placing blame solely on the driver.  For instance, one agency attempted to classify a drunk driving accident as intentional in order to avoid paying the verdict. The insurer argued that because […]
- [Insurance Adjusters Can Face Civil Lawsuits in Texas](https://millinmillin.com/post/insurance-adjusters-can-face-civil-lawsuits-in-texas/): Have you ever had a questionable or unfair insurance claim settlement in Texas? If so, you may be able to challenge the decision with the help of the bad faith insurance claim lawyers of Millin & Millin. One party that can be held legally liable for an act of insurance bad faith is the insurance […]
- [Protecting Your Home This Hurricane Season](https://millinmillin.com/post/protecting-your-home-this-hurricane-season/): The past few years have seen a few devastating hurricanes cause massive amounts of damage to Texas’ coastal region. While we here in the Rio Grande Valley have been fortunate to avoid any catastrophes, the reality is that a major storm can eventually hit our region. That’s why being prepared this hurricane season is so […]
- [Employees, Do You Know What Mistakes to Avoid When Filing Your Texas Workers’ Compensation?](https://millinmillin.com/post/employees-do-you-know-what-mistakes-to-avoid-when-filing-your-texas-workers-compensation/): Workers’ compensation is a form of insurance that allows for employees to seek out wage replacement and medical benefits in the case that they are injured or harmed in any manner while performing their work duties. Every state has its own conditions and requirements for employees who are attempting to file for these benefits. If […]
- [Seniors With Long-Term Health Care Claims: Victims of Bad Faith Insurance](https://millinmillin.com/post/seniors-with-long-term-health-care-claims-victims-of-bad-faith-insurance/): As the baby boomer population reaches their senior years, they have begun to seek out the benefits of the long-term care insurance they purchased years ago. These policies were set to provide benefits which are not normally included in traditional health insurance policies. However, these long-term care policies have lead to a substantial growth of […]
- [Major Insurance Company Acts in Bad Faith, Settles in a Major Class-Action Lawsuit](https://millinmillin.com/post/major-insurance-company-acts-in-bad-faith-settles-in-a-major-class-action-lawsuit/): A class-action lawsuit filed in 2012 has finally been settled with a big name in the insurance industry having to pay out those they have wronged. State Farm has gathered the attention of the public eye recently when they settled a class-action lawsuit for $250 million. It was claimed that the company tried to defraud […]
- [Business Interruption Insurance](https://millinmillin.com/post/business-interruption-insurance/): The 2017 hurricane season was the most expensive in U.S. history, causing over $200 billion in damages. This was especially true of Harvey in Texas. As a business owner in the Rio Grande Valley, your business is much more susceptible to flooding, hurricane damages, and other weather-related damages. While commercial property insurance will help to […]
- [The Insurances You Need For This Hurricane Season](https://millinmillin.com/post/the-insurances-you-need-for-this-hurricane-season/): Texas had a rough 2017 hurricane season with Harvey causing major damage to southeast Texas and the Houston metro area. Unfortunately, forecasts from North Carolina State University and Colorado State University are predicting another above-average season for 2018. It’s important for residents living along the Gulf Coast and in the Rio Grande Valley to begin […]
- [What to Know About the Common Causes of Construction Lawsuits](https://millinmillin.com/post/what-to-know-about-the-common-causes-of-construction-lawsuits/): Even a well-organized construction project can run into issues and problems. Because there are often many different parties involved, from owners to contractors and subcontractors, disputes often arise. Some of the most common causes of construction disputes are contract errors or omissions, contract non-compliance, and site issues. While some disputes may be resolved quickly and […]
- [Tips for Dealing with Subcontractors](https://millinmillin.com/post/tips-for-dealing-with-subcontractors/): With so many people and moving parts involved in a construction project, a single problem can derail an entire project. From construction companies to contractors and subcontractors, a number of different entities have an obligation to act in good faith and complete the job they’ve agreed to do in a timely manner. Unfortunately, disputes happen […]
- [The Eye-Opening Investigation Into Insurance Giant Aetna](https://millinmillin.com/post/the-eye-opening-investigation-into-insurance-giant-aetna/): It’s a story we’ve heard told over and over again, but still, it remains a seemingly consistent worry in the minds of the insured. All across the nation, upstanding and responsible individuals are paying their insurance premiums on time. They are working hard and making sure that they handle their financial obligations. Suddenly, tragedy strikes. […]
- [Fighting the Good Fight: Gina Millin Joins Texas Civil Rights Project Board of Directors](https://millinmillin.com/post/fighting-the-good-fight-gina-millin-joins-texas-civil-rights-project-board-of-directors/): Millin & Millin PLLC is pleased to announce that Gina Karam Millin has joined the Board of Directors of the Texas Civil Rights Project.  TCRP believes that legal advocacy and litigation are critical tools to protect and advance the civil rights of everyone in Texas, particularly our state’s most vulnerable populations, and to effect positive […]
- [What You Should Know About Hurricanes and Your Insurance Policy](https://millinmillin.com/post/what-you-should-know-about-hurricanes-and-your-insurance-policy/): Hurricane season just started (June 1st) and residents all across the McAllen metro area and Greater  Rio Grande Valley should begin preparing for these potential storms. While the 2017 Atlantic hurricane season forecast has predicted a lower number of storms than historical averages, it is still always in the best interest of homeowners to take […]
- [Avoid a Pool Accident and Personal Injury Claim This Summer](https://millinmillin.com/post/avoid-a-pool-accident-and-personal-injury-claim-this-summer/): Summer offers perfect weather for poolside entertainment. This is especially true here in the Greater McAllen metro area where temperatures can soar into the 100s. There’s nothing quite like spending a blazing afternoon cooling off in your very own pool or with friends at the local water park. But it is absolutely vital for parents […]
- [6 of the Most Frequent Construction Disputes](https://millinmillin.com/post/6-of-the-most-frequent-construction-disputes/): One thing the common citizen lives with, without noticing, is the constant construction going on around them. From the new house going up right down the street to the new retail malls popping up everywhere. Something is always being built.All of this construction involves a number of different parties including owners, contractors, builders, suppliers, vendors, […]
- [Texas Supreme Court Issues New Bad Faith Standards](https://millinmillin.com/post/texas-supreme-court-issues-new-bad-faith-standards/): The Texas Supreme Court has set a new precedent regarding statutory bad faith.On April 7, 2017, the high court addressed the issue in a lengthy 37-page opinion, establishing five rules about statutory bad faith in the state’s Insurance Code. These news standards will determine when a policyholder can recover damages and policy benefits from a […]
- [Avoid a Home Insurance Denial With These 8 Tips to Prepare Your Home For Spring Storms](https://millinmillin.com/post/avoid-a-home-insurance-denial-with-these-8-tips-to-prepare-your-home-for-spring-storms/): April showers bring May flowers...and sometimes a little more than that.Springtime in Texas can change from beautiful breezes one moment to torrential rainfalls the next. For deep South Texas and the McAllen metro area,hail has proven itself to be a devastating natural disaster.From thunderstorms to hailstorms and more, Texas has seen record breaking losses and […]
- [Independent Medical Exams (IME) and What You Should Know](https://millinmillin.com/post/independent-medical-exams-ime-and-what-you-should-know/): After years of paying insurance premiums on time, you may find it shocking to have your personal injury claim denied by your insurer. Unfortunately, the insurance industry is a business like any other and the model is to make profits, even at the cost of the client. At Millin & Millin we know that insurance […]
- [Construction Contractors—Tips to Avoid Construction Defects and Litigation](https://millinmillin.com/post/construction-contractors-tips-to-avoid-construction-defects-and-litigation/): The attorneys at Millin & Millin understand that construction litigation can be a costly and time-consuming issue for you as a contractor, builder, or developer. Whether you are a General Contractor or a Subcontractor, liabilities laws that can still come into effect after years, can mean unexpected lawsuits for mistakes you aren’t even responsible for. […]
- [Disability Insurance Claims: What You Should Know](https://millinmillin.com/post/disability-insurance-claims-what-you-should-know/): The attorneys at Millin & Millin understand that the process of filing for long-term disability insurance can be complicated. Insurers will expect a lot from claimants and will often deny a claim because of a small mistake in the filing process. There are quite a few things that you should be aware of to ensure […]
- [What New Presidency May Mean for Insurance](https://millinmillin.com/post/what-new-presidency-may-mean-for-insurance/): Fitch Ratings, one of the three largest credit rating agencies in the United States, has speculated about the new presidential administration and what that means for the insurance industry. While Fitch did not expect any policy initiatives to be directly focused on the non-health insurance industry, extensive changes to the financial industry would ease regulations […]
- [FAQs About Bad Faith Insurance](https://millinmillin.com/post/faqs-about-bad-faith-insurance/): After filing an insurance claim, most families will expect their insurer to act in good faith. As a policyholder, it’s natural to expect the process to work in your favor, especially when you have maintained a solid payment record. When an individual has been involved in a situation that affects their way of life, compensation […]
- [Bad Faith Insurance Tactics to Watch for When Making a Fire Insurance Claim](https://millinmillin.com/post/bad-faith-insurance-tactics-to-watch-for-when-making-a-fire-insurance-claim/): During the holiday season, accidental fires tend to occur more frequently because of various reasons: Christmas trees catching ablaze, bad wiring on Christmas lights igniting, electric blankets malfunctioning, or electrical space heaters being placed too close to fire hazards. When a family faces a catastrophic event like a house fire, the stress added on by […]
- [Texas court affirms no bad faith occurred in the denial of a claim due to contract terms.](https://millinmillin.com/post/texas-court-affirms-no-bad-faith-occurred-in-the-denial-of-a-claim-due-to-contract-terms/): After purchasing a building in 1994, a Houston man known as Davis, found himself in a horrible bind after realizing that his roof had sustained damages from natural causes. When Davis originally purchased the building, he knew that the roof was composed of asphalt and a rubber material, but he didn’t know the exact age […]
- [Winter Damage Insurance Claims That Are Frequently Denied](https://millinmillin.com/post/winter-damage-insurance-claims-that-are-frequently-denied/): Winter is here in the Rio Grande Valley, and while we might not get as cold as the rest of the state, there is still the occasional cold front that sweeps through the area. These cold spells can bring with them chilly temperatures, rain, and heavy winds. An accidental fire or roof damage caused by […]
- [Avoid a Car Insurance Claim this Holiday Season](https://millinmillin.com/post/avoid-a-car-insurance-claim-this-holiday-season/): The holiday season is one of the most joyful times of the year; there’s family, friends, food, and a festive spirit that makes the whole time of the year seem like one giant celebration. However, a day of celebration can quickly turn into a moment of tragedy, especially if you or a loved one are […]
- [Behind Every Fraudulent Insurer is a Company Instructing it  How to Increase Profit](https://millinmillin.com/post/behind-every-fraudulent-insurer-is-a-company-instructing-it-how-to-increase-profit/): Although the fraudulent acts of an insurance company can be subject to penalty and are a direct violation of a state’s insurance code, insurers persist in taking part in these malpractices to retain financial stability. The individuals who continue to be a target of these violations are its policy holders and have had to face […]
- [Why is the Insurance Industry a Profit Leader?](https://millinmillin.com/post/why-is-the-insurance-industry-a-profit-leader/): Throughout the years, numerous cases involving unethical insurance practices have proven that the insurance industry has become a profit leader by purposely harming its policyholders. Lamentably, the insurance companies involved in these illegal acts are the same ones that spend billions of dollars persuading consumers to purchase their policies while guaranteeing the best coverage and […]
- [Holiday Safety Tips to Help You Avoid Personal Injury Claims](https://millinmillin.com/post/holiday-safety-tips-to-help-you-avoid-personal-injury-claims/): ‘Tis the season to be jolly, but if you’re unfortunate, the holiday season can also mean personal injury. Every year, thousands of people end up in the hospital because of holiday-related injuries. Whether you’re putting up lights, hanging wreaths, preparing a festive meal, traveling, or just working in wintry weather, you’ll want to be a […]
- [Avoid Being a Victim of Bad Faith Negotiating Practices in Texas](https://millinmillin.com/post/avoid-being-a-victim-of-bad-faith-negotiating-practices-in-texas/): Every insurance company owes it to their policyholders to act in good faith. When an insured individual has been involved in a circumstance that directly affects his or her way of life, the policyholder usually files an insurance claim immediately so that compensation can be granted and to diminish unexpected financial burdens. Lamentably, policyholders face […]
- [Staying Safe: Avoid A Holiday Home Insurance Claim](https://millinmillin.com/post/staying-safe-avoid-a-holiday-home-insurance-claim/): The holiday season is one of the most joyous times of the year. There’s a wonderful abundance of family, friends, festivities, and cheer. But there’s also an increased risk for a holiday mishap. Especially fires. Naturally, the first instinct is to turn to your homeowners insurance company after a disaster. Once a claim is filed, […]
- [Close bond between insurance commissioners and insurers negatively affects policy holders.](https://millinmillin.com/post/close-bond-between-insurance-commissioners-and-insurers-negatively-affects-policy-holders/): What on the outside appear to be simple meetings with State Department of Insurance employees and insurance companies, has individuals worried that these engagements are actually being used to persuade regulators to approve increased premiums. Perhaps most tellingly, insurance companies are spending hundreds of thousands of dollars developing meetings at prime vacation spots where regulators […]
- [When Insurance Companies Say “No Damage, No Injury”](https://millinmillin.com/post/when-insurance-companies-say-no-damage-no-injury/): If there isn’t any damage there can’t be any injury right? Wrong! After a low speed impact collision, your insurance company may associate a lack of damage as an absence of injury. But this isn’t always the case. It is entirely possible for passengers in a auto accident to be injured, especially in soft tissue […]
- [Does Your Insurance Truly Have Your Best Interest in Mind?](https://millinmillin.com/post/does-your-insurance-truly-have-your-best-interest-in-mind/): In life, one thing that is guaranteed and cannot be avoided is change, and it sometimes comes as a surprise whether one likes it or not. But there are two types of change: those that we embrace and the ones that negatively affect our well being. So, what do you do when life throws you […]
- [Demolition company tears down wrong house in Texas and homeowner sues](https://millinmillin.com/post/demolition-company-tears-down-wrong-house-in-texas-and-homeowner-sues/): Lindsay Diaz lost her duplex home in Rowlett, Texas when Seagoville based Billy L Nabors Demolition mistakenly tore down the house following a rash of deadly tornados in late December 2015. Unfortunately, individuals who have suffered damage to their home or property because of a negligent act by a business or corporation often encounter difficulty […]
- [Major Insurance Firm Hit With $8M Bad Faith Judgment](https://millinmillin.com/post/major-insurance-firm-hit-with-8m-bad-faith-judgment/): As originally found in the Daily Report Online, a federal judge ordered Nationwide Mutual Insurance Co. to pay more than $8.1M to the family of an auto accident victim. A jury determined that the insurer acted in bad faith by denying a claim for the death of the deceased woman, Stacey Camacho, who lost her life […]
- [Back-to-School Safety Tips](https://millinmillin.com/post/back-to-school-safety-tips/): It’s that time of the year again when our little ones and teens start their weekly treks to and fro school. Whether you drop them off, they walk, or they drive themselves, it’s important to remind your children about the necessary precautions to take when on the road and at school. From the playground to […]
- [Personal Injury Victims: Don’t Make These Mistakes](https://millinmillin.com/post/personal-injury-victims-dont-make-these-mistakes/): Getting in a car wreck, or having a work related injury occur, can be a very trying time in your life and cause an unnecessary amount of stress to you and your loved ones.  Understandably, the occurrence of such a predicament can mean an endless array of thoughts, emotions, and worries will cross your mind.  […]
- [5 Things Insurance Companies Don’t Want You to Know](https://millinmillin.com/post/5-things-insurance-companies-dont-want-you-to-know/):   Every year, the average American spends thousands of dollars on insurance.  Whether it’s medical, homeowners, automobile, or any other sort of coverage, the vast majority of people do not have to deal with filing large claims.  This means most people have very little experience in dealing insurance agencies...and the companies are aware of this. […]
- [Who is Insured?](https://millinmillin.com/post/who-is-insured/): Insurance policies can be a bit complicated, especially in their use of market terminology.  To understand who is covered under your homeowner’s policy, the first thing is to know what they cover. Most traditional homeowner’s policies cover three areas: the physical structure of your home and other buildings on the property; personal belongings; liability from […]
- [What You Need to Know About Insurance Claims](https://millinmillin.com/post/what-you-need-to-know-about-insurance-claims/): Making an insurance claim on a motor vehicle accident, construction issue, or personal injury incident, can be outright confusing; especially if it’s your first time going through the process. Don’t worry though.  Millin & Millin PLLC are more than capable of advocating for you and helping you find the peace and justice you deserve.  When […]
- [Oh Hail! What do I do?](https://millinmillin.com/post/oh-hail-what-do-i-do/): The largest report of hail this year near McAllen was 1.75 inches. Don’t wait around for hail to damage your home and vehicle. Prepare ahead of time and protect your property. It is imperative that a homeowner knows what to do in the event that their home is damaged by hail. Hail can cause a […]
- [The Case That Exposed Fraudulent Insurance Practices](https://millinmillin.com/post/the-case-that-exposed-fraudulent-insurance-practices/): Can we trust our auto insurance companies to protect the public when a motor vehicle accident occurs? These big bad wolf companies disguise themselves as public protectors, but when it comes down to protecting they look the other way. Auto insurance companies lie, defraud and steal from victims injured in motor vehicle accidents and leave […]
- [Tips for When Your Insurance Company Won’t Pay Your Claims](https://millinmillin.com/post/tips-for-when-your-insurance-company-wont-pay-your-claims/): It’s no secret that insurance companies tend to react slowly, especially when it comes to claims.  And in all likelihood, if you’re having to submit an insurance claim, then you’re probably going through a horrid situation.  Having to fight for your what’s rightfully owed to you shouldn’t even be an issue, but if that’s the […]
- [A Haunting Truth](https://millinmillin.com/post/a-haunting-truth/): A startling discovery reveals that life insurance companies have secretly avoided paying out billions of dollars worth of policies to unknowing families.   April 20, 2016   With age comes a little wisdom and you begin to realize you’re not going to live forever.  Family becomes your priority and the all important life insurance policy […]
- [Gina Millin Presents Findings to McAllen School Board](https://millinmillin.com/post/gina-millin-presents-findings-to-mcallen-school-board/): When it comes to important educational matters, the attorneys of Millin & Millin believe that involvement in the local education system is vital to the future of our children and, by extension, our community. Earlier this year, the Facilities Forecast Advisory Committee (FFAC) visited all of McAllen Independent School District’s facilities to identify any needs […]
- [John Millin Evaluates McAllen’s New Zoning Proposal](https://millinmillin.com/post/john-millin-evaluates-mcallens-new-zoning-proposal/): The attorneys of Millin & Millin believe legal representation involves more than advocating for clients’ rights. It involves engagement with the local community and taking on important issues. As a member of McAllen’s Planning and Zoning Commission, John Millin recently gave his take on a preliminary proposal to re-examine zoning for agricultural open-space land throughout […]
- [Texas Ranks Second in “America’s Top States for Business” List](https://millinmillin.com/post/texas-ranked-second-in-americas-top-states-for-business-list/): Texan entrepreneurs and business owners can rejoice and take comfort in the fact that they are at a distinct advantage, according to a recent study conducted by CNBC. The state’s strong economy combined with its technology, infrastructure and innovation has helped it reach the number two spot on “America’s Top States for Business” list. This […]

## Pages

- [The Life Insurance Contestability Period: What You Should Know](https://millinmillin.com/education/bad-faith-life-insurance/what-you-should-know-about-life-insurance-contestability-period/): The death of a loved one can have a profound effect on our lives. Losing a close relation is difficult enough, but sometimes insurers can make the recovery process much more challenging by not paying out on a life insurance policy, including by challenging coverage during the contestability period. If you plan on getting life […]
- [Brownsville Insurance Claim Lawyer](https://millinmillin.com/areas-we-serve/brownsville-insurance-claim-lawyer/)
- [Actual Cash Value vs. Replacement Cost Insurance Coverage](https://millinmillin.com/education/bad-faith-insurance-claim/what-is-actual-cash-value-insurance-coverage/): Insurance provides a financial safety net for your property against unexpected events. When safeguarding your property, you need to understand the difference between actual cash value (ACV) and other types of coverage.  Although ACV insurance policies have lower premiums, they often don’t provide enough coverage to compensate for the repairs to the property. Keep reading […]
- [Worst Insurance Companies for Denying Claims in Bad Faith](https://millinmillin.com/education/bad-faith-insurance-claim/worst-insurance-companies-for-bad-faith/): Whenever you sign up for insurance, either life, home, or auto, you do so under the belief that you will be protected should you or your property suffer some sort of damage. Insurance companies claim that they have all the resources and knowledge needed to help you successfully settle your claim - and that you […]
- [Harlingen Bad Faith Insurance Lawyer](https://millinmillin.com/areas-we-serve/harlingen-bad-faith-insurance-lawyer/)
- [How and When to Send a Demand Letter to Insurance Company](https://millinmillin.com/education/bad-faith-insurance-claim/how-and-when-to-send-a-demand-letter-to-insurance-company/): When your home is damaged, you're involved in a car accident, or you lose a loved one, making an insurance claim can be essential for recovery. Unfortunately, insurance companies sometimes deny claims or make offers below fair settlement value. If you suspect that your insurance company is wrongfully denying your claim or is attempting to […]
- [San Antonio Insurance Lawyer](https://millinmillin.com/areas-we-serve/san-antonio-insurance-lawyer/)
- [Houston Bad Faith Insurance Claim Law Firm](https://millinmillin.com/areas-we-serve/houston-bad-faith-insurance-claim-law-firm/)
- [How Long Does a Bad Faith Lawsuit Take?](https://millinmillin.com/education/bad-faith-insurance-claim/how-long-does-a-bad-faith-lawsuit-take/)
- [Austin Property Damage Claim Lawyer](https://millinmillin.com/areas-we-serve/austin-property-damage-claim-lawyer/)
- [How to Make a Fire Damage Claim: What to Expect](https://millinmillin.com/education/bad-faith-fire-damage-claim/how-to-make-a-fire-damage-claim-what-to-expect/): House fires and fires at businesses can cause significant damage, from smoke damage to harm to the physical structure of the building. Even the efforts made by local fire departments to stop fires can cause serious damage, including water damage and broken windows.  If your home or business has been damaged by a fire, and […]
- [Insurance Attorney South Padre Island](https://millinmillin.com/areas-we-serve/insurance-attorney-south-padre-island/)
- [Port Isabel Insurance Lawyer](https://millinmillin.com/areas-we-serve/port-isabel-insurance-lawyer/)
- [Cast Iron Pipe Damage Attorney Texas](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/cast-iron-pipe-damage-attorney-texas/)
- [Texas Fire Department Damage Lawyers](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/texas-fire-department-damage-lawyers/)
- [Lightning Damage Lawyer Texas](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/lightning-damage-lawyer-texas/)
- [Debris Removal Insurance Attorney Texas](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/debris-removal-insurance-attorney-texas/)
- [Frozen Pipe Claims Attorney Texas](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/frozen-pipe-claims-attorney-texas/)
- [Bad Faith Insurance Lawyer In Roma, TX](https://millinmillin.com/areas-we-serve/bad-faith-insurance-lawyer-in-roma-tx/)
- [Bad Faith Insurance Attorneys In Rio Grande City, TX](https://millinmillin.com/areas-we-serve/bad-faith-insurance-attorneys-in-rio-grande-city-tx/)
- [Insurance Claim Lawyer Kingsville, TX](https://millinmillin.com/areas-we-serve/insurance-claim-lawyer-kingsville-tx/)
- [Texas HVAC Insurance Claims Lawyer](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/texas-hvac-insurance-claims-lawyer/)
- [Port Mansfield Insurance Lawyer](https://millinmillin.com/areas-we-serve/port-mansfield-insurance-lawyer/)
- [Insurance Attorney Corpus Christi](https://millinmillin.com/areas-we-serve/insurance-attorney-corpus-christi/)
- [Texas Power Surge Damage Attorney](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/texas-power-surge-damage-attorney/)
- [Texas Temporary Housing Insurance Claims Lawyer](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/texas-temporary-housing-insurance-claims-lawyer/)
- [Texas Window Damage Lawyer](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/window-damage/)
- [Insurance Claims Lawyer Port Aransas](https://millinmillin.com/areas-we-serve/insurance-claims-lawyer-port-aransas/)
- [Texas Tree Damage Insurance Lawyer](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/tree-damage/)
- [Insurance Claims Lawyer Rockport](https://millinmillin.com/areas-we-serve/insurance-claims-lawyer-rockport/)
- [Structural Damage Claim Lawyer Texas](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/structural-damage-claim-lawyer-texas/)
- [Mold Damage Attorney Texas](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/mold-damage-attorney-texas/)
- [Fire and Smoke Damage Claim Services in Texas](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/fire-and-smoke-damage-claim-services-in-texas/)
- [Texas Hail Damage Lawyer](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/hail-damage/)
- [Business Interruption Attorney Texas](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/commercial/business-interruption-attorney-texas/)
- [Commercial Theft Damage Claim](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/commercial/theft-attorney/)
- [Texas Roof Damage Lawyer](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/texas-roof-damage-lawyer/)
- [Commercial Property Wind Insurance Lawyer Texas](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/commercial/wind-damage-lawyer/)
- [Texas Commercial Tornado Damage Attorney](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/commercial/tornado-damage-attorney/)
- [Commercial Hurricane Insurance Lawyer Texas](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/commercial/hurricane-damage-lawyer/)
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- [Insurance Lawyer McAllen](https://millinmillin.com/areas-we-serve/insurance-lawyer-mcallen/)
- [Texas Wind Damage Lawyer](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/texas-wind-damage-lawyer/)
- [Texas Tornado Damage Claims Lawyer](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/texas-tornado-damage-claims-lawyer/)
- [Texas Litigation Attorneys](https://millinmillin.com/legal-services-tx/civil-litigation/)
- [Texas Hurricane Damage Claims Lawyer](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/texas-hurricane-damage-claims-lawyer/)
- [Texas Personal Injury Litigation Attorney](https://millinmillin.com/legal-services-tx/civil-litigation/texas-personal-injury-litigation-attorney/)
- [Commercial Flood Insurance Lawyer Texas](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/commercial/commercial-flood-insurance-lawyer-texas/)
- [Texas Commercial Storm Damage Claim Lawyer](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/commercial/texas-commercial-storm-damage-claim-lawyer/)
- [Texas  Commercial Pipe Burst Lawyer](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/commercial/texas-commercial-pipe-burst-lawyer/)
- [Texas Flood Damage  Attorney](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/texas-flood-damage-attorney/)
- [Storm Damage Insurance Claim Lawyer Texas](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/storm-damage-insurance-claim-lawyer-texas/)
- [Texas Pipe Burst Lawyer](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/texas-pipe-burst-lawyer/)
- [Theft Damage Claim Services in Texas](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/theft-damage-claim-services-in-texas/)
- [Texas Commercial Water Damage Attorney](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/commercial/texas-commercial-water-damage-attorney/)
- [Commercial Fire Damage Insurance Lawyer](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/commercial/fire-damage-insurance-lawyer/)
- [Water Damage Claim Services in Texas](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/water-damage-claim-services-in-texas/)
- [Fire Damage Attorney](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/fire-damage-attorney/)
- [Unreasonable Demands in Insurance Bad Faith](https://millinmillin.com/education/bad-faith-insurance-claim/unreasonable-demands-in-insurance-bad-faith/)
- [Legal Services](https://millinmillin.com/legal-services-tx/)
- [Underpaid Insurance Claims: What to Do](https://millinmillin.com/education/bad-faith-insurance-claim/underpaid-insurance-claims-what-to-do/)
- [Can I Sue Insurance Companies for Delaying Claims?](https://millinmillin.com/education/bad-faith-insurance-claim/can-i-sue-insurance-companies-for-delaying-claims/)
- [Misrepresentation in Insurance: How to Spot When Your Insurer Lies](https://millinmillin.com/education/bad-faith-insurance-claim/misrepresentation-in-insurance-how-to-spot-when-your-insurer-lies/)
- [Wrongful Insurance Denials: What to Watch For](https://millinmillin.com/education/bad-faith-insurance-claim/wrongful-insurance-denials-what-to-watch-for/)
- [Why Do Insurance Companies Deny Claims: 12 Valid Reasons](https://millinmillin.com/education/bad-faith-insurance-claim/8-valid-reasons-for-insurance-claim-denial/)
- [What Is Bad Faith Insurance? How to Spot It](https://millinmillin.com/education/bad-faith-insurance-claim/what-is-bad-faith-insurance-how-to-spot-it/): Facing bad faith insurance can feel overwhelming, especially when you need the coverage to recover from unexpected hardships. When insurance companies act in bad faith, policyholders may face unfair financial issues that can negatively affect their lives. Understanding bad faith insurance practices can help you protect your rights and ensure you get the compensation you […]
- [Is Wind-Driven Rain Covered by Home Insurance?](https://millinmillin.com/education/bad-faith-property-damage-insurance/is-wind-driven-rain-covered-by-home-insurance/)
- [When Can an Insurance Company Cancel Your Policy?](https://millinmillin.com/education/bad-faith-insurance-claim/when-can-an-insurance-company-cancel-your-policy/)
- [How to Prove Bad Faith Insurance in Court in Texas](https://millinmillin.com/education/bad-faith-insurance-claim/proving-bad-faith-in-court-in-texas-your-how-to-guide/)
- [What Damages Are Available for Bad Faith Claims in Texas?](https://millinmillin.com/education/bad-faith-insurance-claim/what-damages-are-available-for-bad-faith-claims-in-texas/)
- [Terms & Conditions](https://millinmillin.com/terms-and-conditions/):  Last updated: June 13, 2025 AGREEMENT TO OUR LEGAL TERMS We are Millin & Millin, PLLC (“Company,” “we,” “us,” “our“), a company registered in Texas, United States at 4107 North 22nd Street, McAllen, TX 78504, USA. We operate the website deniedpropertyinsurance.com (the “Site“), as well as any other related products and services that refer or […]
- [Disclaimer](https://millinmillin.com/disclaimer/): Last updated: June 13, 2025 Interpretation and Definitions Interpretation The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural. Definitions For the purposes of this Disclaimer: Company (referred to as either […]
- [Privacy Policy](https://millinmillin.com/privacy-policy/): Effective date: June 13, 2025 Millin & Millin, PLLC operates the https://millinmillin.com/ website. This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data. We use your data to provide and improve the Service. By using […]
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- [Education Hub - Water Damage](https://millinmillin.com/education/bad-faith-water-damage-insurance/)
- [Education Hub - Property Damage Insurance](https://millinmillin.com/education/bad-faith-property-damage-insurance/)
- [Education Hub - Life Insurance](https://millinmillin.com/education/bad-faith-life-insurance/)
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- [Education Hub - Bad Faith Insurance](https://millinmillin.com/education/bad-faith-insurance-claim/)
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- [Education Hub - Fire Damage](https://millinmillin.com/education/bad-faith-fire-damage-claim/)
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