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 […]
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 […]
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 […]
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 […]
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 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 […]
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 […]
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 […]
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 […]
‘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 […]
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 […]
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, […]
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 […]
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 […]
