Fulgham Hamptom Law Group Blog

How Stimulus Checks Could Help Texans with 2020 Hurricane Season

Flood Insurance | Homeowner Insurance Claims | Hurricane Damage Claims | Insurance Claims

Coronavirus isn’t the only problem Texas coastal residents will be experiencing this spring. Hurricane season is about to be on us and it is expected to be another bad year.

There are 8 hurricanes expected to affect the Texas Gulf Coast and homeowner insurance claims are expected to rise. With many Texans out of work and savings running thin, it’s important to take steps right now to help mitigate potential damages and lower claims numbers.

With stimulus checks being sent out to millions of Americans, it may be worth saving your check to prepare for the hurricane season. There are a few different steps that can be taken to help mitigate potential damages.

It’s [...]

Your House Has Flooded — What Texans Should Do

Flood Insurance | Homeowner Insurance Claims

As we head into the second half of the 2019 Atlantic hurricane season, there isn’t a single Texan who hasn’t already asked themselves, “What should I do if my house gets flooded?”

As of this writing, we’ve weathered seven tropical storms since May and have more than two months left in the season. Do you know the answer to the question?

Today, we provide you with eight easy steps to take that can help to ensure the best possible outcome should you become the victim of residential flooding.

Ready? Let’s begin.

Standard Texas homeowners’ policies do not cover flood damage unless it is directly caused by a “covered peril.” When you purchased your home and [...]

How Do You Know If You Need Flood Insurance in Texas?

Flood Insurance | Homeowner Insurance Claims

Did you know that floods are the leading natural disaster to the U.S.? You may have at least noticed extreme weather events becoming more common.

So in a time when you’re more likely than ever to need it, you would think most homeowners insurance policies would count flood coverage as standard.

You should know, they don’t.

Now, Fort Worth doesn’t see hurricanes like coastal cities such as Houston. Still, the city — the entire DFW area, in fact — is located in the dead center in the northern-most part of a corridor known as Flash Flood Alley. This stretch of land from Central to Northern Texas is always hardest hit by precipitation each year.

Moreover, many parts of Fort [...]

Flood Insurance in Texas: An Overview

Flood Insurance | Homeowner Insurance Claims | Insurance Claims

One of the most affordable insurance policies a Texan can buy? Flood Insurance.

One of the least-purchased insurance policies in Texas? Also Flood Insurance.

One of the top reasons why Texas homeowners file insurance claims? Flooding.

Reportedly, 71% of Texas residences identified as being located in high-risk flood zones do not have coverage for flood waters.

There are a number of contributing factors to that – perception that flood risk is low, that it’s not required to by law, (mistakenly) believing it’s covered by another policy, bad faith claims leaving folks feeling like a policy isn’t going to pay out anyway. The fact remains, however, that your home is probably your biggest asset… and the policies you own — very [...]