A Houston homeowner is suing Allstate Vehicle and Property Insurance for fraud, negligent hiring and other claims. Our client’s home suffered severe damage after a brutal storm. Allstate and its adjuster responded to her insurance claim with a substandard and improper inspection of the property, grossly undervaluing the cost of repairs and deliberately yielding an unrealistic amount to underpay coverage.

January 8, 2016 Storm

On January 8, 2016, a severe wind and hailstorm bombarded Harris County, Texas, tearing through neighborhoods and destroying homes as it went. Our client’s home suffered severe damage to the roof and exterior, as well as the central air conditioner. After the storm, the homeowner quickly submitted a claim to Allstate, hoping her insurance company would help her get her life back in order.

Allstate Vehicle and Property Insurance Company Home Insurance Claim

Allstate assigned one of its adjusters to inspect the property and adjust the claim. The adjuster knowingly conducted a subpar investigation, refusing full coverage and finding no damage from the storm. This flagrant fraud left our client with no recovery to make repairs to her home.

The third-party expert hired after the insurance company’s fraudulent inspection found a litany of damages that were either conveniently absent or undervalued in Allstate’s estimate.

The damage to our client’s property is currently estimated at nearly $18,400.

Allstate’s adjuster intentionally undervalued our client’s claims in order to maintain his job, misrepresenting the amount of damage in the hopes that our client would simply rely on his expertise and fraudulent estimate as a true representation of the property’s damages.

Because of Allstate Vehicle and Property Insurance Company’s fraud, our client was unable to complete any meaningful repairs to her home, which resulted in even more damage. She was forced to retain an attorney to pursue her claim for insurance benefits. On January 24, 2017, the Chad T. Wilson Law Firm filed suit, on behalf of our client, against Allstate Vehicle and Property Insurance Company for fraud, breach of contract, negligence, gross negligence, negligent hiring and violations of the Texas Insurance Code and the Texas DTPA.

Texas Property Insurance Lawyers

If your homeowner insurance carrier has denied your insurance claim, we can help. The experienced property insurance attorneys at Chad T. Wilson Law Firm have represented over 1,000 clients in cases against insurance companies, aggressively protecting the rights of insurance policyholders. Our consultations are free, and you owe us nothing until your case is won. Contact us today to see how we can help.

Houston Lawyers Sue Liberty Insurance

Our client, a woman whose home was damaged in a severe storm, recently filed a lawsuit against Liberty Insurance Corporation and its adjuster. Liberty conducted a substandard and improper inspection of our client’s property. They grossly undervalued the cost of repairs and deliberately yielded an unrealistic amount to underpay coverage.

April 27, 2016 Storm

On April 27, 2016, a wind and hailstorm blew through Harris County, tearing through neighborhoods as it went. Our client’s Houston home sustained extensive damage to the exterior, as well as to the electrical and air conditioning systems. After the storm, she promptly submitted a claim to Liberty, hoping her insurance company would help her repair her home.

Liberty Insurance Corporation Home Insurance Claim

Liberty assigned one of its adjusters to inspect the property and adjust the claim. The adjuster knowingly conducted a subpar investigation, refusing coverage. This left our client with zero recovery necessary to make repairs to her home.

The third-party expert hired after the insurance company’s negligent inspection found a litany of damages that Liberty’s adjuster conveniently left out or undervalued in his estimate.

The third party adjuster estimated the real damage to our client’s home at $28,000.

Liberty’s adjuster intentionally undervalued our client’s claims in order to maintain his job. He misrepresented the amount of damage, hoping our client would simply rely on his expertise and fraudulent estimate as a true representation of the property’s damages.

Liberty Insurance Corporation’s fraud forced our client to retain an attorney, just so she could get her roof repaired. On January 16, 2017, the Chad T. Wilson Law Firm filed suit, on behalf of our client, against Liberty Insurance Corporation. The firm is suing for fraud, breach of contract, gross negligence, and violations of the Texas Insurance Code and the Texas DTPA.

Houston Property Insurance Lawyers

If your homeowner insurance carrier has denied your insurance claim, we can help. The experienced property insurance attorneys at Chad T. Wilson Law Firm have represented more than 1,000 clients in cases against insurance companies and aggressively protect the rights of insurance policyholders. Our consultations are free, and you owe us nothing until we win your case. Contact us today to see how we can help.

Insurance Facts You Need to Know

Are you informed and knowledgeable about your Insurance policy? Read these Insurance facts and test your knowledge.

There are some basic things most homeowners know about when it comes to protecting, caring for, or insuring their homes. Let your faucet drip when the nights are especially cold so your pipes don’t freeze. Run water in unused spaces to prevent buildup. Turn off all of your appliances before leaving for a trip.

But, there are a few things most homeowners don’t know about their insurance policies. Check out these 4 Insurance facts you should know.

Even if you have home insurance, you might not have flood insurance.

Flood insurance, usually backed by the federal government, is a separate policy insurance companies offer, so it’s usually not included in your homeowner’s policy. Getting flood insurance is always a good idea, unless you live in the desert. When rain overwhelmed Baton Rouge in August 2016, many homeowners found themselves at a complete loss. They didn’t think they needed flood insurance because they lived in no-flood zones. Learn from their experience and make sure you’re covered for whatever Mother Nature throws at you.

If your deductible sounds too good to be true, it probably is.

Our clients often share that they chose their insurance policy because it had a low deductible. They never realized that low rate meant they were getting an ACV policy, which insures your home for its components’ Actual Cash Value. That means if your roof is rated to last 20 years, and it’s 10 years old, you’re only insured for what the roof costs today. In other words, if that new roof cost you $10,000 ten years ago, you’re only insured for $5,000. After your $2,500 deductible, you only have $2,500 to fix your roof. If you have an ACV policy, you are more than likely throwing your premiums away. You’ll want to make sure you have an RCV, or Replacement Cost Value, policy. In the example above, an RCV policy would have made sure you got the full $10,000, minus the policy deductible, to replace your roof.

Your insurance agent works for you.

If you ever have questions about your policy, it’s your agent’s responsibility to answer them. You pay your insurance company a significant amount of money every single month to make sure they have your back if your home is damaged. So, if you’re not sure if something is covered, or you don’t know what something means, or have any other possible question, your agent has a duty to not only answer your question, but answer it honestly and fully.

It actually IS important to read your policy.

In addition to fully knowing your coverage, reading your insurance policy, and every policy change, diligently, will let you know what your insurance company hopes you don’t see. In those policy updates you receive every so often, your insurance company may change your coverage, your responsibilities, or any number of other things. Recently, Allstate changed the requirements for what homeowners have to do before filing a lawsuit. They made policy changes, which many homeowners didn’t read, that require the insured to submit proof of loss 91 days before they’re allowed to file the suit. If that proof of loss isn’t filed, Allstate can tell the court that the policy requirements weren’t followed and the suit must be dismissed.

Don’t let your insurance company take advantage of you. Do your research, get informed and hold your insurance company accountable. You’re paying them to protect you and your home. Make sure you get your money’s worth. Read more Insurance facts here.

Texas Property Insurance Lawyers

If your homeowner’s insurance carrier has denied your insurance claim, we can help. The experienced property insurance attorneys at Chad T. Wilson Law Firm have represented more than 1,000 clients in cases against insurance companies and aggressively protect the rights of insurance policyholders. Our consultations are free, and you owe us nothing until your case is won. Contact us today to see how we can help.

Two Missouri City homeowners are suing Allstate Vehicle and Property Insurance for fraud, negligent hiring and other claims. Our clients’ home suffered severe damage after a brutal storm. Allstate and its adjuster responded to their insurance claim with a substandard and improper inspection of the property, grossly undervaluing the cost of repairs and deliberately yielding an unrealistic amount to underpay coverage.

June 18, 2016 Storm

On June 18, 2016, a severe wind and hailstorm bombarded Fort Bend County, Texas, tearing through neighborhoods and destroying homes as it went. Our clients’ home suffered severe damage to the roof and exterior, as well as some rooms of the interior. After the storm, the homeowners quickly submitted a claim to Allstate, hoping their insurance company would help them get their life back in order.

Allstate Vehicle and Property Insurance Company Home Insurance Claim

Allstate assigned one of its adjusters to inspect the property and adjust the claim. The adjuster knowingly conducted a subpar investigation, refusing full coverage and estimating damages to total about $950. This ludicrous low-balling left our clients with no recovery to make repairs to their home.

The third-party expert hired after the insurance company’s fraudulent inspection found a litany of damages that were either conveniently absent or undervalued in Allstate’s estimate. The damage to our clients’ property is currently estimated at nearly $35,800.

Allstate’s adjuster intentionally undervalued our clients’ claims in order to maintain his job, misrepresenting the amount of damage in the hopes that our clients would simply rely on his expertise and fraudulent estimate as a true representation of the property’s damages.

Because of Allstate Vehicle and Property Insurance Company’s fraud, our clients were unable to complete any meaningful repairs to their home, which resulted in even more damage. They were forced to retain an attorney to pursue their claim for insurance benefits. On January 5, 2017, the Chad T. Wilson Law Firm filed suit, on behalf of our clients, against Allstate Vehicle and Property Insurance Company for fraud, breach of contract, negligence, gross negligence, negligent hiring and violations of the Texas Insurance Code and the Texas DTPA.

Texas Property Insurance Lawyers

If your homeowner insurance carrier has denied your insurance claim, we can help. The experienced property insurance attorneys at Chad T. Wilson Law Firm have represented more than 1,000 clients in cases against insurance companies and aggressively protect the rights of insurance policyholders. Our consultations are free, and you owe us nothing until your case is won. Contact us today to see how we can help.