Protecting Your Most Valuable Assets (Disputing a Property Damage Insurance Claim)

On average, we spend thousands of dollars each year on insurance premiums – property and casualty insurance, automobile insurance, life insurance, health insurance, etc.  Usually, the lion’s portion of this is spent on coverage to insure our most valuable assets – our home and other properties.  Whether it’s a residence, vacation or rental home, or… Read More »

How Does the Insurance Company Justify Adding O&P (Overhead and Profit) to Everything Except the Roof?

How does the insurance company justify adding O&P to everything except the roof? To understand this question, you must first know what O&P means. In the insurance industry, Overhead (10%) and Profit (10%), commonly referred to as O&P, is owed when it becomes necessary to have multiple subcontractors perform work to repair damages to your… Read More »

The Hail Storm Bill (Blue Tarp Bill) SB10 Pending in Texas

Lots of news coming from Texas this week as the battle in Austin continues over the Hail Storm Bill (Blue Tarp Bill) (SB 10). Big insurance companies are the only beneficiary of passage of this bill. "The easiest and most effective way to make more money is to increase premiums, to pay less on any… Read More »

Use of Drones for Property Damage Insurance Claims Inspections

The adults are getting in on all the fun when it comes to personal drones. It was only a matter of time before the insurance industry found them useful too when assessing property damage insurance claims. From surveying the damages caused by storms, to inspecting roofs, to taking an inventory on insured crops, the drone… Read More »

The Tell-Tale Signs You Need a Public Adjuster

I’m always telling people to choose their battles. Whether it comes to your kids or other family and friends (or even work), there’s no need to be the devil’s advocate all the time. When it comes to a property damage insurance claim, it can certainly turn into a battlefield and it’s no fun. However, this… Read More »

Why Would a Roofer Say Don’t Hire a Public Adjuster?

Often we have a potential client call after they have visited with their insurance agent or maybe even their contractor or roofer. They question us specifically on why to hire a public adjuster. Usually this means they have already been told by one of the foregoing not to hire a public adjuster. Let’s just say… Read More »

Insurance Companies Love UPPA (Unauthorized Practice of Public Adjusting)

The unauthorized practice of public adjusting (“UPPA”) is alive and well. From those contractors and roofers who straight up tell the policyholder they don't need the help of a public adjuster to those husband/wife teams where one is the public adjuster and the other is a contractor (who are they kidding). There is a reason… Read More »

You Do the Math – The Push for a Legislative Remedy in Texas

A recent article by the Fort Worth Star-Telegram concerning SB10 proposing constraints on litigation surrounding hail claims in Texas includes some interesting numbers. According to the data contained in the article, there were nearly 400,000 hail claims filed in Texas in 2015 which resulted in 9,910 lawsuits. You do the math – that is a… Read More »

Looking to Place Limits on Hail Storm Litigation in Texas

Hail Storm Senate Bill 10 pending in Texas as a result of complaints and lawsuits filed following the major hail storms across South Texas. Texas Watch group is responding and calls these storm bills “tornadoes that are bearing down on every property owner in this state.” The passage of these types of bills would result… Read More »

Hiring a Qualified Property Damage Insurance Claim Attorney

“He who represents himself has a fool for a client.” -- Abraham Lincoln This phrase remains as applicable today as it was 200 years ago when said. Mostly attributable to Abraham Lincoln, the above quote may have had earlier origins. In the context of our famous President, who was also a lawyer, he means that… Read More »