Help After Harvey ~ Texas Department of Insurance

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                    Call your insurance agent or company as soon as possible to report property damage. If you need information, have a complaint, or can’t locate your agent or company, call our Consumer Help Line at 1-800-252-3439. The Help Line is open from 8 a.m. to 8 p.m…. Read more »

Re: Hurricane Harvey – Recommending Building and Repair Contractors ~ COMMISSIONER’S BULLETIN # B-0017-17

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        August 26, 2017   To:ALL INSURANCE COMPANIES, CORPORATIONS, EXCHANGES, MUTUALS, RECIPROCALS, ASSOCIATIONS, LLOYDS, OR OTHER INSURERS WRITING PROPERTY AND CASUALTY INSURANCE IN THE STATE OF TEXAS; PREMIUM FINANCE COMPANIES; MANAGING GENERAL AGENTS; ADJUSTERS; AND THE PUBLIC GENERALLY   Re:Hurricane Harvey – Recommending Building and Repair Contractors Governor Greg Abbott issued a… Read more »

Top 5 Must Do’s After a Hurricane Damages Your Home

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                            Superstorm Harvey has ripped up the Texas Coast—destroying lives, homes, and businesses in its path. Hurricanes wreak havoc because they combine two of nature’s most damaging forces: wind and water. If you live on or near the coast, your best defense… Read more »

What Are Homeowners’ Post-Loss Duties In Texas?

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In a case recently decided in Texas, the insurance carrier prevailed against the policyholder when the appellate court found that the policyholder failed to adhere to its post-loss duties under a homeowner’s insurance policy.1 This blog entry examines the facts and holdings in the hope policyholders and professionals assisting them can avoid facing a similar situation…. Read more »

Public Adjuster Representation Typically Resulted In Larger Payment to Policyholders

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  “Policyholders with public adjuster representation typically received higher settlements than those without public adjusters. Policyholders that filed catastrophe claims in 2008 and 2009 generally received larger insurance settlements than policyholders that did not hire these persons.” (OPPAGA Report, January 2010) “The difference in payments was larger for claims related to 2005 hurricanes, with public… Read more »

Your Public Insurance Adjusters and Claims Specialists

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What is a Public Adjuster? A Public Adjuster is an insurance claims adjuster who advocates for the policyholder in appraising and negotiating a claimant’s insurance claim. Aside from attorneys and the broker of records, public adjusters licensed by state departments of insurance are the only type of claims adjuster that can legally represent the rights… Read more »

National Flood Insurance Program Summary of Coverage

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                            This document was prepared by the National Flood Insurance Program (NFIP) to help you understand your flood insurance policy. It provides general information about deductibles, what is and is not covered by flood insurance, and how items are valued at the… Read more »

Homeowners, Flood, and Windstorm Policies Comparison

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If you would like to speak to licensed professional who represents the policyholder only call 855-CLAIM-911 or andy@propertylossdoctors.com Texas Licensed Public Insurance Adjuster, Certified Property Insurance Appraiser & Umpire (CPAU), OSHA 10 Certified & Former National Flood Insurance Adjuster that has handled insurance claims from all sides of the claim since 2003. Contact Us

What Is Covered (and Not Covered) Under My NFIP Policy ?

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Just a few inches of water can cost thousands of dollars in damage to a home. Flood insurance can help homeowners deal with the financial consequences of flooding, although like other types of insurance policies it doesn’t cover all losses. The National Flood Insurance Program covers direct physical damage by flood to your building and/or… Read more »