Hurricane Deductible Reimbursement Policies
If you own property in an area of the United States with a high hurricane risk, make sure you understand your insurance policy terms with regard to hurricane-related coverage. Beyond…
Wildfires Bring Changes In Fire Insurance
Over the past two years, there has been substantial media coverage of extensive wildfires and their resulting damage. While growing awareness of fire safety practices has led to a decline…
How To Inventory Your “Business Personal Property” For Insurance Reasons
It is very important to have property insurance in the event of damage and loss, but keep in mind you must be able to show proof of your contents and…
Misrepresentation at Insurance Policy Inception
Often, insurance carriers focused on profits will allege policyholder misrepresentation or fraud was committed at the inception of an insurance contract, during the coverage period, and/or when making a claim…
The Duty to Preserve Evidence in an Insurance Claim
One of the most critical pieces of evidence in proving up a commercial property damage claim is the building itself; and failing to preserve evidence relevant to your damages can…
Most Common Reasons For Property Damage Claim Denials
After a disaster such as a fire, major plumbing leak, or windstorm occurs to your business, perhaps the worst news is finding out your claim has been denied. Here are some…
What Is The Unauthorized Practice of Public Adjusting (UPPA)?
A policyholder is entitled to hire a public adjuster to represent their interests after a natural disaster causes property damage. A public adjuster should be certified, licensed, bonded, and adequately…
How The TPPCA Works
In 2003, the Texas Legislature enacted the Texas Prompt Payment of Claims Act (“TPPCA”) to facilitate the prompt investigation and payment of Texas insurance claims. Codified in Section 542 of…
Damages Recoverable in a Bad Faith Insurance Case
When insurance companies adjust a customer’s insurance claim in Texas, they owe the insured the common law and statutory duty of good faith and fair dealing, along with an obligation…
Harris County Water Intrusion Lawsuit
Raizner Law has filed a bad faith insurance lawsuit on behalf of the owners of a residential property with 11,384 square feet of interior space
in Harris County, Texas against…