Making a claim to your homeowner’s insurance is nerve-wracking. You worry about being denied, and you worry about the effect on your insurance costs. However, you may not think about how supplemental costs are handled. Once your homeowner’s insurance claim in Texas...
Delayed And Denied Insurance Claims
Insurance companies using AI to determine how much to pay out for claims
We've all been hearing a lot about artificial intelligence over the past few years. Much of this discussion concerns AI-generated imagery and its implications for art, entertainment and news. We sometimes fail to notice how the technology is already at work in some...
The difference between the duty to defend and the duty to indemnify
Most businesses that purchase liability insurance policies expect the insurer to provide a defense if the policy holder is sued for a negligence act. In the mind of most insureds, the duty to defend is the same as the duty to indemnify. Unfortunately, the two...
Your legal protections for delayed or denied insurance claims
Our readers in Texas understand the basic concept of an insurance policy: the policyholder pays regular premiums and the insurance company pays any valid claims when necessary. Most people in Texas have home insurance, car insurance, health insurance, life insurance...
Once I file my insurance claim, how long do they have to respond?
For Austin, Texas, homeowners dealing with property damage, the expectation of a swift and equitable settlement from their insurance company is common. However, many find delays, denials or inadequate offers. The first question is often how long they have to respond...
Making sure a home insurance claim is assessed fairly
Given the recent weather-related insurance disputes, people in Texas are increasingly concerned about the limited options they have when they are seeking property insurance. Obstacles aside, it is imperative to have some form of insurance in case of a storm, fire,...
Understanding life insurance claim denials
Many people purchase life insurance to ensure their loved ones are financially protected when they pass away. A claim for payment under the policy may be denied, however. The beneficiaries of the policy may have an opportunity to appeal. Life insurance overview A life...
Appealing an insurance claim denial in Texas
Most Texans are familiar with the process of purchasing insurance. Once the need for insurance is identified, the person who seeks the insurance contacts an agent who sells the kind of policy (homeowners, automobile, business interruption and the like) and asks for...
Homeowners insurance is crucial in Texas
On its website the National Centers for Environmental Information's has a map noting every billion-dollar weather-related disaster in the United States so far in 2023. Calling a disaster a billion-dollar event means its damages are estimated to cost $1 billion or...
Filing a business interruption insurance claim
Business owners may encounter situations that are beyond their control which cause them to suffer serious financial losses. Business interruption insurance is intended to help a business cover loss from an event that interferes with their normal operations. Business...