The Texas Department of Insurance (TDI) is an agency set up to help defend Texas insurance holders against bad faith practices by insurance companies. Still, with such a complicated process, it can be difficult to understand exactly how the Texas Department of Insurance can help you.
Keep reading to learn more about what the Texas Department of Insurance can do to help you fight for compensation.
As we described briefly above, the TDI helps to defend Texas consumers against unfair insurance practices. What that means in practice is that agents with the department follow up on complaints against insurance companies filed by policyholders. The TDI will start by reviewing the details of your complaint and determining whether or not wrongdoing took place. They will then contact the insurance company and allow them to respond.
The insurance company may respond by providing evidence that disproves the validity of your complaint, but if no such evidence exists, they may respond by paying what you feel you’re owed. If the TDI determines that the insurance company broke the law in the course of handling your claim, then the company may face penalties.
It’s important to note that the TDI has limited powers when it comes to forcing insurance companies to act. In some cases, you will still need to file a bad faith insurance lawsuit to get whatever compensation you may be owed.
The TDI can help with complaints against most types of insurance providers, including home, health, auto, life, and more. In general, you should consider filing a Texas Department of Insurance complaint if your insurance company does any of the following:
If you’re unsure whether or not the TDI can help with your case, you can always call them and ask. If you feel your insurance company has treated you unfairly in any way, you should get in touch with a bad faith insurance lawyer to learn what to do next.
Unfortunately, the TDI has somewhat limited powers, and they often will not be able to help policyholders get insurance settlements. If your insurance company or the TDI have denied the validity of your complaint, or if you feel your insurance company did not break any laws in their treatment of you, then you should contact a McAllen bad faith insurance lawyer for help.
A McAllen bad faith insurance attorney can help you determine whether or not your insurance company acted illegally or in bad faith, and can help you determine the right course of action to fight for what you’re owed. If you feel your insurance company is wrongfully delaying or denying your claim, get in touch with the McAllen insurance lawyers at Millin & Millin Attorneys.
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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If you’ve been living in Texas for a while, you know just how strong the wind can get. While it may not seem like a weather condition that can do a lot of damage, wind damage claims are the most common seen by homeowners in the U.S.
Continue reading to learn how to file an insurance claim for wind damage and how your bad faith insurance legal team can help.
For most home insurance policies, wind damage is any damage to the structure of your home caused by wind-related weather conditions. These conditions can include rain, thunderstorms, tornadoes, hailstorms, and hurricanes. Your home insurance policy may contain dwelling coverage that can pay for the repair or replacement of damages in your home. It’s important to note that each homeowner's insurance policy may vary depending on the state and insurance company, so you must review your policy before moving forward with a claim.
Because wind can be so unpredictable, the damage it causes to your house can vary in every circumstance. So now that you’re facing wind damage, you may wonder whether your home insurance will cover the damages. While you should always review your policy, the types of wind damage that home insurance may cover include:
Depending on your policy, you may get additional coverage for other damages caused by wind. If you’re unsure about your coverage or how your policy works, don’t be afraid to ask questions to better understand how you’re protected.
If you’ve recently had a severe weather event in your area, you may suspect damage to your home. While you should inspect each area and document any damages, don’t enter areas that could be dangerous to your health and safety. Once you’ve checked the area, take the following steps to file a claim:
Filing a claim can be overwhelming as you attempt to get the proper documentation and evidence for your insurance company. If you’re unsure how to file a claim properly, you may need the assistance of an attorney.
Wind can cause a great deal of damage to your home, leaving you with substantial repair and replacement costs. While your home insurance should cover some of the damages, you may have trouble with the claims process.
If you’re filing a wind damage insurance claim and are unsure what coverage you’ll receive, reach out to your bad faith insurance legal team of Millin & Millin today for a free case evaluation.
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Let’s face it – fully understanding your insurance coverage can be an overwhelming task, especially when it comes to the language used in your contract. If you have to file an insurance claim and it’s denied, it can be difficult to know if you were denied in bad faith because of the volume of unfamiliar words and phrases.
Actual cash value (ACV) policies versus recoverable cash value (RCV) policies are just a few of these terms. However, knowing exactly what they mean and the type of policy you should choose is difficult for many people to understand.
The bad faith insurance lawyers at Millin and Millin know better than anyone the confusion that situations like these can cause. We hope to give you a basic understanding of these terms, but always remember that we’re available to talk to if you need more details!
The main difference between actual cash value and recoverable cash value policies is whether or not depreciation is covered by the policy. It’s key to understanding the differences between the two, particularly when you file a large loss claim.
What does this mean for the policyholder? Basically, ACV policies are cheaper than RCV policies due to the fact that they do not cover the depreciation. However, they’ll also pay out sooner but at a lower total.
In addition to explaining these concepts in greater detail, a bad faith insurance lawyer can play a huge role if you feel that you have been a victim of bad faith. The frustration and stress of a denied insurance claim on top of complex language is something we know all too well.
A bad faith insurance lawyer will review your policy as well as the decision made by the insurance company. They will walk you through the process and make sure that you feel understood and heard.
If the insurance company denied the claim in bad faith, failed to pay out the correct amount, or delayed payments, then you definitely need the help of a bad faith insurance lawyer. The delayed payments could be even more of a problem if you opt for an RCV as they can take longer to pay out.
For many people, it’s difficult to realize when you may need the help of bad faith insurance lawyers, especially when the terms and language of the policy are overly complex. Millin and Millin can be there for you and answer any questions you may have if you believe your insurance claim was denied in bad faith.
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The loss of property is an unfortunate circumstance that no policyholder wants to have to deal with. The only thing that can make it worse is to hear that your large-loss insurance claim has been denied.
If your claim is rejected, especially as a result of bad faith, you need to know who to turn to next.
The McAllen bad faith insurance lawyers at Millin & Millin are here to explain the steps you can follow to lower the possibility that your claim is denied by your insurer.
Understanding and taking your role as a policyholder seriously is vital to avoid a claims denial. By having a solid grasp of what your policy covers and does not, you’re more likely to prevent a denial in bad faith.
Follow these steps to correctly do your part:
The idea of losing something as important to you as a home or other large property is horrific, so to imagine your insurance company would take advantage of your situation and deny your insurance claim in bad faith is even more unthinkable. That’s why the bad faith insurance lawyers at Millin and Millin are here to help.
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Every day, millions of people receive the news that their bad faith insurance claims were denied for a variety of reasons. However, in many circumstances, those claims are rejected unfairly or incorrectly.
While they may sound like the same thing, denied insurance claims as a result of bad faith and breach of contract aren’t quite the same thing.
The bad faith insurance lawyers at Millin and Millin are here to clarify the difference as we help to fight for you regardless of the reason!
Insurance claims that are denied either in bad faith or through breach of contract generally depend on two key factors to be considered one or the other — reasoning and intent.
If an insurer attempts to or outright rejects a claim due to a dispute over the language in the contract, then you may have a breach of contract on your hands. However, if the insurance firm tries to deny the claim for malicious purposes outside of the contract’s language, you may have a potential bad faith situation.
General examples of a breach of contract include:
On the other hand, examples of bad faith include:
Whether your insurance claim was denied as a result of breach of contract or bad faith, you can rest assured that the bad faith insurance lawyers at Millin and Millin will fight for you. Call us to speak with an experienced and skilled attorney today!
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For as long as the insurance industry has existed, people have had their insurance claims denied. Unfortunately, in many cases, these claims were denied in an attempt to safeguard the insurance company’s profits rather than protect the claimant.
This is what insurance lawyers refer to as an insurance claim being denied “in bad faith.”
The bad faith insurance lawyers at Millin and Millin have helped many people who have had their claims denied unfairly. Let’s discuss how these professionals prove their case in a court of law.
When a lawyer is attempting to prove that an insurance claim was denied in bad faith, there is certain criteria that must be met and necessary evidence needed to back up any assertions of bad faith.
For it to hold up in a court of law, your bad faith insurance lawsuit must meet the following four conventions:
Now that you’ve established how bad faith is determined, you and your lawyer will then prove it. Useful evidence includes:
If your insurance claim has been denied and it seems completely unreasonable, there’s a chance you’ve become a victim of “bad faith.” The bad faith insurance lawyers at Millin and Millin have the knowledge to help you set things right!
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Property damage, whether it be to our valuables, cars, or in this case, homes, is something that most people have had to deal with in their lives.
However, if a natural disaster or other emergency causes damage to your home, it’s key to understand how to assess restoration costs.
The bad faith insurance lawyers at Millin & Millin are here to explain the process as well as be there for you if an insurance claim is filed but denied unjustly.
Disaster relief agencies are organizations trained to assess the damages caused by a variety of incidents and are instrumental when you work with your insurance company.
These agencies can:
After you’ve ensured the safety of everyone in the home and contacted emergency responders, it’s time to take the next steps in the restoration process.
A general step-by-step guide works like this:
Do NOT attempt to move or clean up the damage if you decide to file a claim, or the insurance company may blame you.
You should note that the amount you are compensated for depends on many factors, so keep this in mind if you file a claim.
These variables include:
If you don’t believe you were compensated fairly or your insurance claim was outright denied, that’s where Millin and Millin come in!
If the damage has been assessed correctly but your insurance claim was denied, it’s time to reach out to the professional bad faith insurance lawyers at Millin and Millin. Our team has years of experience and can make things right!
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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 bad faith insurance lawyers at Millin & Millin are here to present these key factors so that you’re prepared no matter what.
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 some of these in greater detail:
Of course, you’re always able to appeal, and the company must cover your medical expenses if you succeed. If bad faith is involved, you may need the help of legal counsel.
Take it from the professional bad faith insurance lawyers at Millin and Millin, it’s vital to know what you’re covered for and why insurance claims are denied. If you’ve been denied in bad faith, reach out to our office to take the first steps to set things right!
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Imagine a scenario in which your insurance claim is denied in bad faith, and the only remaining option is to file a lawsuit. Bad faith insurance lawyers can certainly help you go down this path, but you may have specific questions involving compensation for damages.
Many individuals in this type of situation may ask themselves, “What kinds of damages could be recovered in a bad faith insurance lawsuit?”
At Millin and Millin, we have years of experience handling insurance-related lawsuits and know exactly how to approach demanding legal situations. We understand all the various types of damages that can be accounted for in lawsuits and how to best recoup your losses.
Let’s examine a general guide on what damages may be recovered through legal action.
Generally, courts will calculate what damages are “worth” based on the losses of the plaintiff, which can range from a variety of costs. Sometimes, these charges relate to non-tangible aspects, such as emotional distress as opposed to loss of physical assets.
These are some of the damages a plaintiff can recover from a bad faith insurance lawsuit:
Additionally, there may be cases where the courts will call for punitive damages to be paid, which serve to discipline the defendant rather than aid the plaintiff. Because there’s a tall requirement for a plaintiff to get back punitive damages, this usually occurs only when the insurance company is grossly out-of-line or behaving intentionally malicious.
Courts will also consider a company’s overall wealth when they make judgments against them. This particular action works as a further deterrent to make sure the insurance company behaves ethically in the future.
It can be overwhelming when you try to understand the complexities of lawsuits regarding bad faith, but that’s why the experienced bad faith insurance lawyers at Millin and Millin are here to help. We want you to feel prepared and know the types of damages you may recover if your insurance claim is denied in bad faith!
