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Fulgham Hamptom Law Group Blog

Sep 27
2019

Common Reasons Texas Insurers Deny Homeowners’ Claims (And What to Do)

Bad Faith Insurance | Homeowner Insurance Claims | Insurance Claims

When an unforeseen accident or disaster causes damage to your house, you may be stressed but reassured by the thought, “At least I have homeowners’ insurance!”

So when your homeowners’ claim is denied by your insurance company, it can come as an especially heartbreaking shock. Unfortunately, this situation is all too common in Texas.

Self-interested insurance companies may seek every possible opportunity to deny your claim in order to avoid paying it. We’ve explained some of the most common reasons insurers deny claims in Texas below.

Of course, for all the reasons your claim could be denied, there are usually ways to avoid them, so we’ve included a bit of advice, too.

You Filed Your Claim Too Late

[...]
Jul 31
2019

Even If Your Insurer Pays, It Might Still Be Bad Faith in TX

Bad Faith Insurance

Texas Supreme Court opinions on two recent “bad faith” claims are likely to change the way insurers do business in the Lone Star State.

In both cases, the policyholder submitted a claim to State Farm – one of the five worst insurers profiled in our Bad Faith Rogues Gallery earlier this year.

Both claims were denied coverage on the basis that the observed damage didn’t exceed either policy deductible. Only when first-party bad faith lawsuits were filed did this insurer attempt to take corrective action.

What exactly happened?

Below, we’re going to take a closer look at these cases, what “bad faith” means in Texas, and the changes expected in the handling (or mishandling) of future insurance claims due to [...]

Jun 28
2019

Texas Insurance Claim Problems? What You Can Do

Bad Faith Insurance | Insurance Claims

As a policyholder, you no doubt took care to select a policy that would ensure financial relief in the event of a loss. You’ve also probably paid your premium faithfully to make sure that you’d be covered should disaster strike.

So when your insurance company doesn’t come through for you, the impact can be devastating. What most people don’t realize is that they don’t have to accept this behavior. If you’re having trouble with your Texas insurance claim, there are many options to make things right.

Its possible issues can be resolved simply by working with your insurer, but sometimes Insurers unreasonably deny or delay a claim, or unfairly undervalue valid claims.  If working directly with your insurer isn’t effective, [...]

May 9
2019

First Party Bad Faith vs. Third Party Bad Faith in Texas

Bad Faith Insurance

At its most basic, an insurance policy is a contract. You pay your premiums on time, make an honest effort to protect whatever or whomever the policy covers, and in exchange, your insurance company agrees to evaluate your claims fairly and pay them on time.

That’s the deal. The agreement. The very minimum that they should do.

When that doesn’t happen and it appears they’re acting in dishonest and deceptive ways, your insurer is considered to be acting in bad faith. This means that you have grounds to file claim against them in civil court in an attempt to recover compensation.

Before you do that, though, it’s important to understand which kind of bad faith claim you’re going to [...]

Feb 15
2019

The Bad Faith Rogues Gallery: Texas Insurers Known for Behaving Badly

Bad Faith Insurance

This day and age, it seems nearly every company we each do business with attempts to fleece us in one way or another, and insurance companies are some of the worst.

We pay our premium with the belief that when we need help, our insurers will financially back us. However, time and time again, this isn’t the way it ends. Instead, far too many claimants end up caught in unnecessary and often illegal battles with the very organizations that are supposed to be protecting them.

If you feel you have not been treated fairly when attempting to have an insurance claim processed, don’t just assume you’re overreacting. Not only does this happen, there are actually a number of insurers who [...]

Nov 14
2018

Top Reasons Why Texas Homeowners File Insurance Claims

Bad Faith Insurance | Homeowner Insurance Claims | Insurance Claims

Your house is likely your largest and most valuable asset, and chances are you have a homeowners’ insurance policy to protect it.

If you’ve ever filed a claim, however, you may have discovered that your expectations about your insurer didn’t match up with reality. They ignored you. They kept delaying and delaying. They made up an excuse to deny your claim.

It’s an unfortunately reality that many insurers will do whatever they can to avoid paying out, and you have to know the best way to deal with home insurance claims to make sure you don’t become a victim.

Wondering if your situation is even worth filing a claim? Check out these common reasons Texans file home insurance claims:[...]

Nov 1
2018

Types of Insurance Bad Faith Practices Texans Should Watch Out For

Bad Faith Insurance

You may have been affected by bad faith insurance if you were denied for no apparent reason.

In this post, we’re going to teach you about the different ways that insurance companies can act in bad faith and what Texans can do to fight back and demand their rightful insurance benefits.

What Is Bad Faith Insurance?

Before going further, we should define bad faith insurance. Quite simply, it’s when an insurance company does not deliver the promised benefits to an individual who holds a valid insurance policy.

When you purchase a policy, you expect the company to act in good faith. That when you file a claim, they will investigate it without bias and communicate with you in a [...]

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