Fulgham Hamptom Law Group Blog

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 [...]

Texas Businesses: How to Make an Insurance Claim Checklist

Business Insurance Claims | Homeowner Insurance Claims | Insurance Claims

Got your own company? It’s not about if, but when you will end up filing a business insurance claim.

Unfortunately, there are a number of steps for filing a business insurance claim in Texas, and a number of common missteps and often-overlooked items throughout the process.

We believe preparation is the best strategy for avoiding those mistakes and dealing with business losses and insurance claims more efficiently. To that end, you need an easy-access insurance claim checklist ready and available, and in this post, we want to share five of the most important considerations when creating one. That way, when it’s time to file a claim, you’ll be ready.

After reading this article, if you still have [...]

Why Is Your Texas Homeowner’s Insurance Denying Your Claim?

Homeowner Insurance Claims | Insurance Claims

While homeowners carefully choose a policy to ensure financial relief should any damage occur to what is likely their most valuable asset, sometimes all their hard work doesn’t matter. Sometimes, insurers simply don’t hold up their end of the bargain, doing everything in their power to delay or deny claims that should be completely valid.

What far too many people don’t realize is that they don’t have to accept this kind of behavior. There are ways to dispute the settlement that your insurer offers you. You can do this on your own or, if you believe it’s warranted, you have the right to work with a knowledgeable Texas homeowners insurance claims attorney to take legal action against them.

Before doing [...]

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:[...]

Your Guide to Filing a Roof Insurance Claim in Texas

Homeowner Insurance Claims | Roof Insurance Claims

Roofs are one of the most expensive repairs a homeowner can make. Worse, the severe weather here in Texas can lead to frequent roof damage. Even if your insurance covers roof repairs, navigating the insurance claim process is often stressful, requiring several follow-ups with insurance adjusters, roofing contractors, and potentially even your mortgage company.

To make roof insurance claims more painless and maximize the chance of payment for your claim, we’ve provided some helpful tips and tricks, as well as common mistakes to avoid.

To successfully file a roof insurance claim, it’s important to document the damage and contact your insurance provider as soon as possible. You should also select your contractor [...]

The Best Way to Deal with Texas Home Insurance Claims

Homeowner Insurance Claims

When your home is damaged, you want to get it repaired quickly and correctly – and you expect your home insurance provider to cover your costs.

Unfortunately, as many people discover when they file a claim, the expectations they have about their insurer don’t always match the reality. In this post, we’ll help you understand how the claims process works so you can ensure that everything goes smoothly and your insurer treats you fairly.

Check your policy. Before you call your insurance agent, look over your policy to make sure you truly understand your coverage. Depending on the damages you’ve incurred, it may be easier to pay for it yourself rather than filing a [...]