Springtime in Texas is often a welcome change! The weather is warmer, and more flowers bloom again with the rain. Although the showers bring this beautiful life back to Texas, they can also bring destruction for homeowners.
If your home has suffered rain damage, you’re probably working with your insurance company to get it repaired. Keep reading to get a better understanding of rain damage claims and how a McAllen insurance lawyer can help.
Your insurance company will cover certain types of rain damage, depending on how the rain entered your home. Most insurance companies stipulate that some kind of extreme weather condition must cause the rain to get into your house, causing damage inside your home.
For example, if your home has rain damage due to a flood in the area, it’s likely that your home insurance won’t cover the damages. However, if an ice dam were to fall on your roof and cause it to collapse, sending rain into your home, then it would probably be covered by insurance.
Since you can’t control the rain, you might think that most rain damage would be covered, but again, only some damage will be covered by your home insurance. Sometimes insurance companies can be quite stingy when it comes to what they will and won’t cover. Most basic home insurance policies cover the following types of rain damage:
While the process of filing a rain damage claim will vary depending on your insurance company and how they operate, the general process is usually similar:
Once rain makes its way into your home, the damage can be endless. As a homeowner, you may be dealing with mold, structural damage, and the loss of personal items inside your home. While many insurance companies may try to deny your claim, this doesn’t have to be the end for you.
At Millin & Millin, our team of experienced insurance lawyers knows the ins and outs of rain damage claims. If you’ve recently dealt with rain damage to your home, schedule a FREE evaluation today to get started on your case.
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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 won’t have to worry about a thing.
While they know how to sell to the consumer, do they actually know how to take care of them? The answer might be a bit startling.
The American Association for Justice (AAJ) did extensive research to compile a list of “The Ten Worst Insurance Companies.”
The organization dug through thousands of court documents (including those from the SEC and FBI), investigations, complaints, news pieces and testimonials from former agents and adjusters. The organization wanted to uncover which agencies were most prone to acting in bad faith. This refers to an intentional dishonest act by not fulfilling legal or contractual obligations, misleading another, entering into an agreement without the intention or means to fulfill it, or violating basic standards of honesty in dealing with others.
The organization found the following 10 companies were the worse culprits of conducting bad faith insurance.
There is a sense of irony when Allstate’s motto is “You’re in Good Hands” and end up being the worst offender. Based on the claims by the AAJ, the reason Allstate was at the top of their list was because of the company’s focus on increasing profits for shareholders rather than actually focusing on delivering quality customer care.
The company utilized deceitful tactics to essentially “lowball” their customers into taking minimal settlements. If the customers did not comply, the insurance would deny the claim.
The others are equally guilty as charged. The reports found that they all play by their own rules, meaning they’ll do whatever they can in order to save the company money while increasing profits. These insurance companies sadly put profits over the policyholders, and because of this, the insurance industry makes $30 billion a year in profits, on top of the $1 trillion they obtain off premiums.
Luckily, if you have experienced bad faith by your insurance, there is hope.
If you need a bad faith lawyer that can defend your rights and help you secure the recovery you so rightfully deserve, then contact the insurance claim attorneys of Millin & Millin. We have the skill, knowledge, and compassion necessary to achieve a favorable outcome you.
