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Fulgham Hamptom Law Group Blog

Oct 7
2020

Texas First-Party Claims: Is My Insurer Acting in Bad Faith?

Bad Faith Insurance | Insurance Claims

When making an insurance claim in Texas, you’re basically requesting compensation from an insurance company for losses you may have had from an accident or other event that should be covered by your policy.

Once a claim is filed, the insurance company reviews the details of your case and issues payment to the parties affected. That’s how it should work, anyway.

First-party insurance claims in Texas can be a little confusing at times, but that confusion can be compounded by dealing with the insurance company.

How do you know if your insurance company is acting in bad faith and what can you do? Read on to find out.

What is a First-Party Insurance Claim?

A first-party insurance claim is an [...]

Jun 5
2020

Hail Claim Denied? Here Are the Most Likely Reasons Why

Hail Damage Claims | Insurance Claims | Uncategorised

Heavy storms can cause devastating damage to your personal property, including your home and car. Hail storms especially can leave you with serious damages to your home.

Recent storms in the DFW area have left residents in this exact situation. Homes across the metroplex have sustained hail damage leaving residents with costly repairs.

There is only one thing worse than having to deal with hail damage to your home, and that’s having to deal with the insurance company after.

What’s worse, your claim may not be accepted. Find out some common reasons hail insurance claims are rejected and what you can do about it.

What Kinds of Damages Can Hail Cause?

Hail size can range from a small BB up [...]

May 18
2020

Language to Look for in Your TX Business Insurance Policy

Bad Faith Insurance | Business Insurance Claims | Business Interruption Insurance Claims | Coronavirus / COVID-19 | Insurance Claims

Lockdowns brought on from the COVID-19 pandemic have virtually decimated businesses around the country. Texas is no different, and our business owners around the state are struggling to reopen, too.

Most Texas business owners purchased business interruption insurance for these exact types of situations. However, even those who planned carefully for scenarios like this are finding out the hard way that the language surrounding insurance policies can be tricky.

It turns out the policies they’ve purchased don’t automatically allow for payouts when the interruption was from a viral outbreak or similar circumstances.

So, how do you know if your business can file a business interruption claim? There is specific legal language you need to look for and understand in [...]

May 7
2020

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.

What Mitigation Opportunities Can Texans Take

It’s [...]

Nov 17
2019

How Texans Can Find the Best Homeowners Insurance Policy

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.

Is Homeowners Insurance Required in Texas?

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 [...]

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

[...]
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, [...]

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