Fulgham Hamptom Law Group Blog

Six Types of Coverage Your Texas Homeowner’s Policy Should Include

By: Fulgham Hampton Law Group

Homeowner Insurance Claims

Owning a home is an exciting thing but there’s a lot about owning a home that many people don’t think about at first. One of those things is insurance coverage.

Homeowners insurance provides protection for your property in a variety of circumstances. Unfortunately, there isn’t some super-policy that automatically includes every type of coverage Texas homeowners might need.

Evaluating policy options can feel overwhelming for homebuyers and even the most experienced real estate professionals.

Fortunately, in Texas, it is relatively easy to find the insurance policies that offer the coverage you need — as long as you know what to look for. Here’s what you need to know about each of six types of homeowner’s insurance every Texan should consider.[...]

Has a Texas Summer Hail Storm Got You at Odds with Insurance?

By: Fulgham Hampton Law Group

Hail Damage Claims | Homeowner Insurance Claims

In early June, residents across North Texas were awoken in the middle of the night by the sound of large hail crashing onto their homes and vehicles.

The surprise hail storm dropped baseball-sized pieces of hail onto North Texas towns like Carrolton and Arlington. The severe storms left serious damage to windows, car lights, and trees.

According to the Insurance Council of Texas, a total of 20,000 structures and 25,000 vehicles were damaged during the hail storm, in fact. The estimated total insured losses? A staggering $425 million.

The most recent storm’s hail damage may have been catastrophic, but it was hardly unusual. According to research from Insurance.com, Texas is [...]

How Stimulus Checks Could Help Texans with 2020 Hurricane Season

By: Fulgham Hampton Law Group

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 [...]

How Texans Can Find the Best Homeowners Insurance Policy

By: Fulgham Hampton Law Group

Homeowner Insurance Claims | Insurance Claims

Buying a home is exciting, but comes with a long to-do list that you might not have anticipated before you started attending open houses.

As a homeowner, you might have to pay HOA fees. You might have discussed how you are going to maintain your lawn. You will also need to purchase a homeowner insurance policy that protects your home (and everything in it).

Shopping for homeowners insurance can be one of the most overwhelming aspects of homeownership. Let us answer some of Texans’ most common questions to get you started.

No, but that doesn’t mean you don’t need one. You don’t have to have homeowners insurance when you own a home. Still, it’s [...]

Your House Has Flooded — What Texans Should Do

By: Fulgham Hampton Law Group

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 [...]

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

By: Fulgham Hampton Law Group

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.

[...]

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

By: Fulgham Hampton Law Group

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 [...]