How did we get here? All homeowner’s insurance policies have a provision, which provides that any payments for damages to the dwelling must include the insured’s mortgage company as a payee on the check. The mortgage lender is included on the check to protect the lender to make sure the insured repairs the property (the [...]
I have handled bad faith insurance cases all of my 30 years as a trial lawyer, but predominantly started handling first-party property damage cases in 2005 after Hurricane Rita hit the Beaumont area. Since then, I have noticed certain claims handling trends are cyclical. They are popular…they die out…then they come back again as [...]
Policy limits put a cap on how much an insurer has to pay for an insurance claim. Policy limits determine the maximum amount an insurer has to pay and are set at the time the insurance policy is written. Some circumstances invalidate policy limits, such as the insurance company's actions when handling the claim. [...]
Paying a high premium on an insurance policy can be a burden most people are familiar with. At some point in everyone’s life, you will need insurance. Whether that’s to pilot a boat, drive a car, or own a home, insurance is meant to financially compensate the policyholder if their property is lost, damaged, [...]
The U.S. District Court for the Western District of Louisiana and the 14th Judicial District Court for the Parish of Calcasieu have adopted a Case Management Order (CMO) that allowed for a streamlined litigation process for insurance claims that arise due to property damage resulting from Hurricanes Laura and/or Delta. The CMO helps produce [...]
Recently proposed property exclusions have created intense debates among agents, adjusters, insurers and insureds. As chaotic weather conditions across the country continue to rise, these exclusions claim to focus on the type of roof damage in an effort to circumvent coverage. Essentially, what the insurer deems as “cosmetic damage” is excluded from coverage when/if [...]
When you see a doctor, you expect that they will take their time to do their job and understand the need for your visit. When investing money in a business opportunity, you would want to review all available information to make the best decision for your money. The same may be said when taking [...]
Chad T. Wilson Law Firm Attorney, Patrick McGinnis, was a special guest on The Legal Fix radio show last month where he talked about winning denied insurance claims. Has your insurance company unfairly denied your property damage claim? If so, contact us today for a free case review. You may be entitled to compensation. https://youtu.be/h5E42-SYngU
Chad T. Wilson recently sat down with Roofing Insights to discuss his firm's recent legal victories against State Farm. Watch the full interview below. You can also read about the State Farm cases here and here. https://youtu.be/Jpwk8VO-CWU Chad T. Wilson Courtroom Victories Against State Farm: Victory: Texas Jury Awards Damages To State Farm Policyholder Over [...]
Do you have an underpaid homeowners insurance claim? Many insurance companies regard plumbing to be part of routine homeowner maintenance. Maintenance is entirely the property owner's responsibility. Damage to pipes that develops over time because of lack of maintenance is typically not covered. Pipes in this state could potentially flood an entire house, causing catastrophic [...]
