# 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 damage caused by this storm may potentially be covered by your insurance. Key Takeaways About the Severe Weather Event The storm was identified as a lone, rapid-strengthening supercell with straight-line winds reaching 70 miles per hour. We break it down more below: RGV Storm Damage […] - [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 owe. Bad faith tactics include unfairly delaying claims, failing to properly investigate claims, refusing to pay valid claims, underpaying claims, and other wrongful actions. If you feel your insurance company is acting in bad faith, you should contact a bad faith insurance attorney for help […] - [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 claim may be denied with just cause.  The Most Common Justifications for Insurance Claims To Be Denied Though the specific details of each case differ, there are a few reasons frequently cited which can cause someone’s health insurance claim to wind up denied. Let’s explore […] - [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 step in to aid you where the insurance companies do not. One of the more common occurrences of bad faith is when an insurance company refuses to uphold its “duty to defend.” Let’s explore what this means and how it affects policyholders. “Duty to Defend:” […] - [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 of the state faces the might of a strong storm. Insurance That Protects Against Hurricanes A storm can cause structural damage in a number of ways. What first comes to mind is flooding, a catastrophe that is not covered in your typical homeowner’s insurance. Instead, […] - [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 claim denied for a loss that should have been covered by your policy, then you may need to sue in order to get the compensation you are owed. Today, your compassionate McAllen bad faith insurance attorneys at Millin & Millin will help you determine if, […] - [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 right to compensation can be difficult, and insurance companies will often do what they can to minimize or outright deny you what you’re owed. Because of this, it’s important for all Texans to know their rights and what they can do if those rights are […] - [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 kinds of losses.  Thankfully, those losses may be covered by a civil authority clause. While a civil authority clause may offer coverage for losses caused by coronavirus restrictions, making a successful claim under this provision can be difficult, partially due to coronavirus claims being a […] - [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, your insurance company may try to avoid paying what you are owed. If you’ve been injured or suffered damage against insured property, our McAllen bad faith insurance lawyers at Millin & Millin can help you explore your options. If you’ve filed a claim only to […] - [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 insurance policy, your contractual limitations period may have been as short as one year from the date you first suffered a financial loss — which means your deadline may be fast approaching — or already passed. Our McAllen bad faith insurance lawyers at Millin & […] - [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 that the money provided will be able to pay for expenses such as a mortgage, outstanding debts, living costs, and other expenditures. Being aware of your life insurance policy and its coverage is important, especially right now with a global pandemic leading to much loss […] - [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 viruses.  In order to get the relief they need, many business owners have begun suing their insurance providers. Whether you’ve had your claim denied or simply want to ensure the strength of your claim in the first place, you may wish to seek the advice […] - [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 earlier this year, businesses closed and residents stayed inside in an effort to stem the tide of coronavirus cases. In the months since those closures, many businesses have faced a business coverage denial by their insurance carriers. In some instances, business owners are claiming that […] - [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 be closed is through a business interruption insurance claim. Unfortunately, insurance carriers know that an unprecedented number of businesses will be looking for help, and they will likely try to deny as many claims as they can to save themselves money.  In fact, insurance companies […] - [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 only form of survival throughout this time of slowed business. Unfortunately, some insurance providers have taken measures to prevent businesses from getting the assistance they most definitely deserve.   But there is still hope. The trusted team at Millin & Millin is willing to work tirelessly […] - [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 greatly affected the revenue business owners would normally bring in during this time frame. In order to stay afloat and provide for employees, many companies have been making claims against their business interruption insurance.  Due to the widespread need for financial help right now, insurance […] - [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 the country. Due to the government’s decision to issue shelter-in-place orders because of the COVID-19 virus, we know that many business owners are suffering tremendous losses in revenue. While many have coverage for business interruption and orders issued by a civil authority, we expect the […] - [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 the country. Due to the government’s decision to issue shelter-in-place orders because of the COVID-19 virus, we know that many business owners are suffering tremendous losses in revenue. While many have coverage for business interruption and orders issued by a civil authority, we expect the […] - [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 protect construction projects while they are taking place. So in the case of an incident that leads to damage, construction companies and project owners are protected against any potential financial losses. The reliable bad faith insurance attorneys of Millin & Millin want to provide you […] - [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 save you from a ton of problems should you have to file an insurance claim down the road. By knowing exactly what coverage you have and - perhaps more importantly - what you are missing, you’ll be able to make the right decisions about your […] - [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 the driver chose to drink and drive, it was as if they were acting intentionally, which is not covered in their policy and thus they were not liable for damages. The victim of the accident was forced to sue the insurance company as a result. […] - [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 adjuster who handled your claim. Many people are unaware that insurance claim adjusters — who investigate cases on behalf of the insurance company— can face civil lawsuits in Texas for errors and omissions (E&O) whether they are company, independent or public adjusters. Our bad faith […] - [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 important. You not only want to have a plan in order to protect yourself and your loved ones, but you also want to make sure that you have the right insurance coverages in place so that you don’t have to handle the costs of hurricane […] - [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 you are going to file for workers’ compensation in Texas, you’ll want to review all information available to you on the Texas Department of Insurance website. You’ll be able to find guidance on how to seek workers compensation as well as the forms necessary to […] - [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 bad faith claims as insurers sold policies without disclosing important information regarding price inflation, reduction or denial of benefits, and failing to inform policyholders of restrictions. At Millin & Millin, our bad faith insurance lawyers are dedicated to ensuring you receive the benefits that are […] - [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 4.7 million past and current customers out of $1.05 billion that was rightfully owed to them. Trust your bad faith insurance attorneys at Millin & Millin to stay up-to-date on major insurance news in order to deliver top-quality representation designed to get you the compensation […] - [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 cover physical damages to your business, Business Interruption Insurance (also known as Business Income Insurance) helps to cover expenses and lost income that come as a result of the disaster. With the 2018 hurricane season underway, now is the time to consider purchasing Business Interruption […] - [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 preparing now for the 2018 hurricane season, which starts June 1st. While residents of deep south Texas have been fortunate to avoid any major storms in some years, all it takes is one hurricane to devastate your home and property. Don’t wait until it’s too […] - [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 without further issue, others may require the help of an experienced construction attorney. The construction lawyers of Millin & Millin have the knowledge and the resources that you need on your side when a construction dispute arises. We will work hard to protect your interests […] - [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 all the time, leading to delayed jobs and potential litigation between parties. One common issue that arises is when subcontractors cannot complete the job they are assigned on time. In an ideal scenario, subcontractors tell you the truth about their ability to do the work, […] - [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. An injury at work. An accident on the road. A  natural disaster that destroys their home. It’s moments like this when they face some of their biggest challenges in life that they need support and protection the most. They turn to their insurer, expecting their […] - [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 and lasting change to law and policy.  TCRP believes that by serving the rising social justice movement in Texas with excellent legal representation and bold strategies, they can respond to the needs of the communities served.  TCRP has offices in Houston, Dallas, El Paso, McAllen […] - [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 the necessary precautions and steps to ensure that they are protected.According to NOAA’s Hurricane Research Division statistics, the U.S. averages one to two hurricane landfalls each year. While these odds may seem to work in your favor, a hurricane, or even tropical storm for that […] - [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 and adults to recognize the risks and hazards associated with pools. PoolSafely.gov recorded that between 2011-2013 there were over 4,900 pool and spa-related injuries and drownings among children 1-14 years old. Also, more than 50% of drowning victims treated in emergency departments required hospitalization or […] - [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, and more, who are all involved in some manner in the undertaking of commercial and industrial projects. The Millin & Millin Attorneys understand that even with the best intentions and efforts to work together, disputes can (and do) arise amongst the many groups involved. Our […] - [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 carrier. USAA Texas Lloyds Co. v. Menchaca The Texas Supreme Court’s opinion was issued on a case between homeowner’s insurance company, USAA Texas Lloyds Co. and Gail Menchaca. The high court reversed the decisions of both the court of appeals and the trial court judgement. […] - [Bad Faith and Canceled Policies](https://millinmillin.com/post/bad-faith-and-canceled-policies/): Insurance companies have a number of tactics they use when they are attempting to act in bad faith. One of the most objectionable actions that an insurer can take is to cancel a policy after having received premium payments for years.The attorneys at Millin & Millin recognize such bad faith insurance tactics for what they are and fully believe that no policyholder should ever be subjected to such deceitful behavior. While insurance companies do have certain rights when canceling a policy, they also have duties owed to the consumer and must follow the terms of the agreement in order to […] - [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 insurance claims increase over the last few years. In 2016, March and April recorded storms that caused more than $4 billion in damages to thousands of homes. Having to file an insurance claim after a disastrous storm can be a difficult process, especially when insurance […] - [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 companies deny claims and coverages in hopes that the denial will not be challenged. Going up against a large company can seem like a daunting task, but our experience team of bad faith insurance lawyers understand how this industry works, and the tactics they use […] - [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. In the state of Texas, an action for damages against a person who constructs/repairs an improvement must be brought within 10 years of substantial completion. If the claimant presents a written claim for damages during the 10-year period, the period is extended for two years […] - [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 that you have a viable claim that won’t get rejected by your insurer. Consider the following tips to help you through the process when filing a disability insurance claim: Be honest on all your claim forms. Failing to answer each question truthfully and factually can […] - [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 for the larger U.S. insurance corporations. Though Fitch did stipulate that a new presidency would not have an immediate impact on the insurance industry, as well as the fact that insurance agencies are generally regulated by in-state laws, the macroeconomic trends that could emerge from […] - [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 may be needed immediately to diminish unexpected financial burdens. Unfortunately, insurance companies do not always act in the best interests of their policyholders, and they use bad faith techniques to diminish the payout or completely reject the claim on illegal grounds. But you can fight […] - [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 insurance companies acting in bad faith can be downright deplorable. In the aftermath of such a misfortune, your family will expect to file an insurance claim and quickly receive compensation for the damage done to their home - this isn’t always the case. The attorney’s […] - [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 of the roof nor did he find a need to replace it. Naturally, Davis purchased an insurance policy to ensure the coverage of any future damages. Davis was running his business from the building, and living there as well, which further cemented his need for […] - [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 winter weather can mean having to file an insurance claim. But unfortunately, insurance companies may try to deny, delay, or underpay your winter damage claim by placing fault on you. If you’re having issues with your insurer over a winter damage claim, then contact the […] - [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 involved in an auto accident. Whether traveling to visit family, or simply enjoying the evening at a friend’s holiday celebration, it’s important to remain diligent on the road. Unfortunately, during the holiday season, 2 to 3 times more people die in alcohol-related crashes, with 40% […] - [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 unlawful circumstances, especially when they have found themselves filing a claim for a situation that requires financial attention. But who exactly is educating insurers on unethical tactics and entertaining the wrongdoing of policyholders? Were you a victim of bad faith insurance practices? Let the team […] - [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 compensation during an unfortunate event. The unfortunate truth is that not all insurance companies intend to provide their policyholders with the help that the individuals sign up for. Although insurance bad faith acts are illegal and insurance companies face the risk of being penalized, it […] - [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 little bit more cautious and patient, as one bad step can send you to the emergency room. The attorneys at Millin & Millin, PLLC understand that sometimes accidents happen, but the best way to avoid them is to recognize what steps you can take to […] - [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 deeper issues when their insurer deceives them. Although acting in bad faith, or implementing unfair practices in a valid claim, is out of compliance with the Texas Insurance Code, insurance companies sometimes prefer to not fulfill contractual obligations for their own advantage. Are you currently dealing with a […] - [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, your insurer will send over an adjuster to evaluate the damage. Sadly though, the adjusters are representing the company’s interest first and foremost, which means the homeowner gets the short-end of the stick. In a catastrophic house fire, for example, the insurer will often recommend […] - [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 have access to free meals and other privileges. It appears that close relationships between state insurance commissioners and insurers are the leading reason why consumers are at greater risk of unfair treatment. Have you been treated unfairly by your insurance provider? Let Millin & Millin […] - [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 areas such as the neck and spine. If these injuries occur and an insurer is involved, the adjuster assigned to the claim will attempt to minimize the compensation received. Unfortunately, this means offering the injured party the lowest amount possible without having to litigate. Adjusters […] - [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 a curveball? Perhaps you were in an accident that caused severe injuries, or you were a victim of catastrophic loss, in which your property and belongings were destroyed. The most reasonable response would be turning to your insurance company to obtain the necessary compensation. After […] - [Health Insurance Claim Denied? Here’s 5 Reasons Why.](https://millinmillin.com/post/health-insurance-claim-denied-heres-5-reasons-why/): “Know what to look for to avoid claim denials.” Dealing with a major illness is enough stress as it is. There’s no reason any one should add to your burdens, but sometimes insurance companies can make it downright difficult in helping you get the resolution you need by denying your claim and leaving you with a large medical bill on your hands. However, it’s still very important that you understand the reason for the denial so that you can take the necessary steps to appeal the decision. While there is always the slim chance that the denial was simply an […] - [Bad Faith Insurance: How to Get Your Insurer to Pay](https://millinmillin.com/post/bad-faith-insurance-how-to-get-your-insurer-to-pay/): If you are having to file an insurance claim, it’s likely due to the fact that you have just suffered through a terrible event. Having to deal with the unscrupulous tactics of an insurance company is the last thing you need on your plate during this time. Luckily, there are steps that you can take to help you avoid the frustration of dealing with purposely dragging insurance companies. You can also depend on the responsiveness of the Millin & Millin legal team. Our dedication to justice and results means you get the support you need when seeking your rightful compensation […] - [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 in seeking just compensation in their dispute with the offending party. Many businesses will engage in bad faith behavior to avoid liability for their actions. When a company commits a wrongful act against your property, you’ll want a law firm that is willing to fight […] - [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 to a drunk driver. More than $5.7 million of the total sum was awarded in a 2009 trial against the negligent party, and as of the the most recent trial, the court has still yet to determine an awarding for attorney fees because Nationwide did […] - [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 driving responsibilities, all children need to be aware of the risks that can lead to personal injuries. Personal injuries can be very traumatizing for your child, and insurance agencies don’t always work as morally or effectively as they should. That’s why you need attorneys like […] - [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.  However, it’s important to remain as calm and aware as possible, during the entire phase, so as to avoid mistakes that can negatively affect you, your finances, and your claims should you decide to pursue legal actions. At Millin & Millin, PLLC our lawyers understand […] - [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. Unfortunately, complicated business jargon, deliberately placed delays, and purposely underestimated losses run rampant throughout the industry. A Haunting Truth to find out about a recent incident that exposed the dark side of the business. Realistically, insurance companies are businesses, which means profitability is the final […] - [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 physical injury endured by others as a result of your property.  Usually more than just the owner of the house is protected, but not everyone is covered in all of these various areas. Understanding what is covered, should be followed by the best practice of […] - [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 you choose Millin & Millin PLLC, you are never alone in the process. In fact, here are some tips and information that will help to ease the stress of going through the various steps of the claim. The first thing we advise you to do […] - [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 wide range of damage to a home and vehicle. Insurance companies don’t always make it easy to file a hail damage claim and some claims are not always accepted. Homeowners find themselves having difficulty with claims and compensation for payments that have already been towards […] - [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 them to fend for themselves. If you have been injured in a motor vehicle accident the last thing you want to worry about is the auto insurance company. As an injured victim you are in pain and focusing all your energy and time on recovering. […] - [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 case, here are a few tips to help you during those dire days. Use That Tech The first step you want to take before submitting a claim is to utilize technological resources to your advantage.  That means using insurers’ apps, Web tools, smart-phones, and various […] - [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 premium finds its way into your monthly budget. But what if that money never makes it to your family and you’re last gift ends up in the pockets of the same companies that promised you a peace of mind? As originally reported here, dozens of […] - [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 and evaluate the state of our children’s educational environment. A Committee Centered on Students The FFAC is a community-based endeavor that consists of nearly 130 members and is made up of teachers, district staff, students and parents, along with members of the business community. Gina […] - [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 the city. Will Problems Arise? In April 2014, the Commission reviewed the proposal that might fuel development by designating agricultural open-space land for future residential and commercial purposes. Proposed zoning changes may cause complaints regarding favoritism and trigger other problems, according to Millin. “I hope […] - [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 is terrific news for anyone wanting to pursue a journey in entrepreneurism. The business litigation attorneys of Millin & Millin want your business, large or small, to succeed and will do the best they can to ensure its protection. Texas: Good for Business Each state […] ## Pages - [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 you have a valid property insurance policy, you should be able to seek compensation for fires caused by accidents. Keep reading to learn more about the claims process, the compensation owed for valid claims, and when you should get help from a Texas law firm. 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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 deserve. Keep reading to learn more about what bad faith insurance is, some bad faith offenders in the industry, and how a Texas bad faith insurance lawyer can help you hold insurers accountable. What Is Bad Faith Insurance? Bad faith insurance happens when an insurance […] - [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/) - [Proving Bad Faith in Court in Texas: Your How-To Guide](https://millinmillin.com/education/bad-faith-insurance-claim/proving-bad-faith-in-court-in-texas-your-how-to-guide/) - [The Worst Insurance Companies in the U.S.](https://millinmillin.com/education/bad-faith-insurance-claim/the-worst-insurance-companies-in-the-u-s/) - [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 link to these legal terms (the “Legal Terms“) (collectively, the “Services“). You can contact us by phone at (956) 631-5600, email at john@millinmillin.com, or by mail to 4107 North 22nd Street, McAllen, TX 78504, USA. These Legal Terms constitute a legally binding agreement made between […] - [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 “the Company”, “We”, “Us” or “Our” in this Disclaimer) refers to Millin & Millin, PLLC, 4107 North 22nd Street, McAllen, TX 78504, USA. Service refers to the Website. You means the individual accessing the Service, or the company, or other legal entity on behalf of […] - [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 the Service, you agree to the collection and use of information in accordance with this policy.  Information Collection And Use We collect several different types of information for various purposes to provide and improve our Service to you. Types of Data Collected Personal Data While […] - [Litigation - Construction](https://millinmillin.com/legal-services-tx/civil-litigation/construction/) - [Litigation - Subcontractor](https://millinmillin.com/legal-services-tx/civil-litigation/subcontractor/) - [Litigation - Real Estate](https://millinmillin.com/legal-services-tx/civil-litigation/real-estate/) - [Litigation - Probate](https://millinmillin.com/legal-services-tx/civil-litigation/probate/) - [Litigation - Employment](https://millinmillin.com/legal-services-tx/civil-litigation/employment/) - [Litigation - Commercial](https://millinmillin.com/legal-services-tx/civil-litigation/commercial/) - [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/) - [Education Hub - Health Insurance](https://millinmillin.com/education/bad-faith-health-insurance/) - [Education Hub - Bad Faith Insurance](https://millinmillin.com/education/bad-faith-insurance-claim/) - [Education Hub - Auto Insurance](https://millinmillin.com/education/bad-faith-car-insurance/) - [Education Hub - Fire Damage](https://millinmillin.com/education/bad-faith-fire-damage-claim/) - [Results & Awards](https://millinmillin.com/verdicts-and-awards/) - [Commercial Property](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/commercial/) - [FAQ](https://millinmillin.com/faq/) - [Residential Property](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/residential/) - [Life Insurance](https://millinmillin.com/legal-services-tx/bad-faith/life-insurance/) - [Property Damage](https://millinmillin.com/legal-services-tx/bad-faith/property-damage/) - [Auto Insurance](https://millinmillin.com/legal-services-tx/bad-faith/auto-insurance/) - [Bad Faith Insurance](https://millinmillin.com/legal-services-tx/bad-faith/) - [Gina Karam Millin](https://millinmillin.com/texas-lawyers/gina-millin/) - [Blog](https://millinmillin.com/post/) - [Firm Overview](https://millinmillin.com/texas-lawyers/) - [Testimonials](https://millinmillin.com/testimonials/) - [John A. Millin, IV](https://millinmillin.com/texas-lawyers/john-millin/) - [Education Hub](https://millinmillin.com/education/) - [Contact](https://millinmillin.com/contact-lawyer-tx/) - [Home](https://millinmillin.com/) - [How and When to File a Texas Department of Insurance Complaint](https://millinmillin.com/education/bad-faith-insurance-claim/how-and-when-to-file-a-texas-department-of-insurance-complaint/): Your insurance company is meant to help you when you suffer losses they have agreed to compensate against. Unfortunately, not all insurers fulfill their promise; some even scam their customers by wrongfully denying their claims or indulging in unfair billing practices. Thankfully, you can send a formal request to the Texas Department of Insurance to investigate the problems you’re having with your insurer. Read on to learn more about this department and how filing a complaint can help you speed up your case. What Is the Texas Department of Insurance? The insurance industry is essential for getting people the compensation […] - [What To Do if Your Insurance Claim Is Denied in Texas](https://millinmillin.com/education/bad-faith-insurance-claim/what-to-do-if-your-insurance-claim-is-denied-in-texas/): Dealing with denied insurance claims can be draining, especially if you have to rely on your coverage to manage unexpected losses. Without proper guidance, the complexities of claim disputes can lead to financial distress or missed opportunities for you. Keep reading to learn what to do if your insurance claim is denied and how a bad faith insurance attorney can fight for your interests. Valid Reasons Insurance Claims Are Denied Before you decide on how to respond to your insurance claim getting denied, it’s important you determine whether the denial is based on bad faith or a valid reason. Typically, […] - [When to Send an Insurance Demand Letter for Property Damage](https://millinmillin.com/education/bad-faith-insurance-claim/when-to-send-an-insurance-demand-letter-for-property-damage/): When your home or commercial property is damaged, dealing with repairs can be an expensive and demanding process. Beyond the repairs, you’ll also need to manage the insurance claim process. If you suspect that your insurance company is unrightfully denying your claim or is attempting to underpay you, you can submit a demand letter to seek the coverage you feel you are owed. Knowing when to send an insurance demand letter can help ensure your claim is processed fairly and seriously. Keep reading to learn what a demand letter is, when to send a demand letter to insurance company representatives, […] - [What Is Actual Cash Value 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 insurances have lower premiums, they often don’t provide enough coverage to repair the property. Keep reading to learn more about ACV and what factors to consider when choosing actual cash value insurance coverage for your property. What Is Actual Cash Value? The question of what actual cash value is is very common when it comes to property damage or loss. Actual cash value (ACV) covers the […] [comment]: # (Generated by Hostinger Tools Plugin)