Our client recently filed a lawsuit against Auto Club Indemnity Company (AAA) and its adjuster. The man’s home was seriously damaged in a hailstorm that bombarded Fort Bend County, Texas in June 2016. AAA and its adjuster conducted a substandard and improper inspection of our client’s property, grossly undervaluing the cost of repairs and deliberately yielding an unrealistic amount to underpay coverage.

June 4, 2016 Storm

On June 4, 2016, a severe storm tore through Missouri City, pelting our client’s home with hail and heavy rain. His roof and exterior, as well as several rooms inside the home, suffered serious damage. After the storm, our client quickly submitted a claim to AAA, hoping his insurance company would help him get his life back in order.

AAA Home Insurance Claim

AAA 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 $3,200. After applying the deductible, this left our client without any recovery to make repairs to his 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 AAA’s estimate.

The damage to our client’s property is currently estimated at $36,100.

AAA’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.

Because of AAA’s fraud, our client could not complete any meaningful repairs to his home, resulting in even more damage. AAA’s inadequacies forced him to retain an attorney to pursue his claim for insurance benefits. On December 13, 2016, the Chad T. Wilson Law Firm filed suit, on behalf of our client, against Auto Club Indemnity 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, then we can help. The experienced attorneys at Chad T. Wilson Law Firm have represented more than 1,000 clients in cases against insurance companies. Our property insurance lawyers 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.

Our client, a liquor store in Colorado, was recently forced to file a lawsuit against Auto-Owners Insurance Company and its adjusters. The store suffered extensive damages when a severe storm passed through Highlands Ranch, Colorado in September 2014. After the hail had passed, our client found themselves in a storm of Auto-Owner’s fraud and deceit.

September 29, 2014 Storm

On September 29, 2014, a severe wind and hailstorm bombarded Douglas County, Colorado, tearing through neighborhoods and destroying homes and businesses as it went. Our client became one of the storm’s many victims when the torrential hail damaged the property. After the storm, the store submitted a claim to Auto-Owners, hoping it would help it get back in business.

Auto-Owners Insurance Company Property Insurance Claim

Auto-Owners hired Monaco Adjusters, which then assigned an agent to adjust the claim. The adjusters estimated the damages to be around $31,000.

But, after applying depreciation and the policy deductible, the store received $13,300. Damages to the liquor store are currently estimated at more than $577,000. They received less than 3 percent of what they were owed based on their policy.

Due to Auto-Owners’s breach of contract, our client was unable to complete any meaningful repairs to the building. They were forced to retain an attorney to pursue their claim for insurance benefits. On September 29, 2016, the Chad T. Wilson Law Firm filed suit, on behalf of our client, against Auto-Owners Insurance Company for breach of contract, bad faith breach of insurance contract, and statuary bad faith.

Colorado 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.

State Farm Commits Fraud Against the Federal Government

The Supreme Court has spoken: State Farm committed fraud.

On Tuesday, the highest court in the land unanimously affirmed a jury verdict that State Farm Fire and Casualty Co. committed fraud against the federal government after Hurricane Katrina.

The case against State Farm began when sisters Cori and Kerry Rigsby witnessed the insurance giant shifting private wind insurance claims in Mississippi to federal flood insurance.

Flood insurance policies are backed by the federal government, so insurance companies are reimbursed for the flood policies they paid. Wind insurance, however, comes out of the insurance company’s pocket. State Farm took advantage of the massive flooding during the hurricane by lying about wind insurance claims so that they would get reimbursed by the federal government.

The sisters, who worked as independent adjusters for State Farm, filed suit, ultimately winning the case in 2013. The Court ordered State Farm to pay $750,000 in damages. Thirty percent of the award went to the Rigsbys, and the remaining went to the federal government.

After the Rigsbys won the case, other claims that State Farm defrauded the National Flood Insurance Program surfaced. In 2015, Mississippi filed its own civil fraud lawsuit against the insurance company. The state claimed it had paid as much as $522 million to State Farm policyholders after the company exploited its adjusters’ and engineers’ reports to benefit itself.

On Tuesday, the justices rejected State Farm’s claims that this whistleblower case be dismissed because its existence was leaked while it was supposed to be secret.

Justice Anthony Kennedy wrote the opinion for the Court upholding an appellate ruling that there is no requirement in federal law that the lawsuit be dismissed. The Supreme Court’s opinion was mostly limited to the provisions of the federal False Claims Act. The rule requires that the existence of whistleblower lawsuits remain secret for a minimum of 60 days.

It says a lot that State Farm chose to argue a technicality and not whether or not it actually committed fraud.

The Rigsbys’ lawyer at the time, Dickie Scruggs, emailed information to reporters that revealed the lawsuit’s existence before the case was public, Kennedy wrote.

The Associated Press, ABC News and The New York Times each published stories about fraud allegations, without specifically mentioning the sisters’ lawsuit.

If you would like to read the Supreme Court opinion in its entirety, the citation is: State Farm Fire and Casualty Company v. United States, 15-513.

MetLife Denies Hailstorm Damage

Our client recently filed a lawsuit against Metropolitan Lloyds Insurance Company and its adjusters. The man’s home was seriously damaged in a hailstorm that bombarded Montgomery County, Texas, in May 2016. MetLife and its adjusters conducted a substandard and improper inspection of our client’s property, grossly undervaluing the cost of repairs and deliberately yielding an unrealistic amount to underpay coverage.

May 29, 2016 Storm

On May 29, 2016, a severe hailstorm tore through Montgomery, pelting our client’s home with hail and heavy rain. His house suffered severe damage to the roof and exterior, as well as several rooms inside the home. After the hailstorm, our client quickly submitted a claim to MetLife, hoping his insurance company would help him get his life back in order.

MetLife Insurance Company Home Insurance Claim

MetLife 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 $1,400. After the deductible, this left our client without the necessary recovery to make repairs to his home.

Unsatisfied with the denial, our client requested a re-inspection. MetLife’s second adjuster arbitrarily added a few more items to the first damage list, estimating damages to total $3,100. Again, this left our client with little recovery after the deductible.

Both adjusters’ assessments of the damages swayed heavily to favor MetLife. They found no damage to the roof, but they did find interior damages. These covered damages were determined to be the result of conveniently uncovered damages to the roof.

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 MetLife’s estimate.

The damage to our client’s property is currently estimated at $50,400.

MetLife’s adjusters intentionally undervalued our client’s claims in order to maintain their jobs. They misrepresented the amount of damage hoping our client would simply rely on their expertise and fraudulent estimate as a true representation of the property’s damages.

Because of MetLife’s fraud, our client could not complete any meaningful repairs to his home, resulting in even more damage. MetLife’s inadequacies forced him to retain an attorney to pursue his claim for insurance benefits. On December 1, 2016, the Chad T. Wilson Law Firm filed suit, on behalf of our client, against Metropolitan Lloyds 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, then we can help. The experienced attorneys at Chad T. Wilson Law Firm have represented more than 1,000 clients in cases against insurance companies. Our property insurance lawyers 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.

Harris-County-Homeowners-Fight-Back-Against-Allstate

Our clients, homeowners whose home was damaged when a severe storm passed through Houston, Texas, were forced to file a lawsuit against Allstate Vehicle and Property Insurance Company and its adjuster after they conducted a substandard and improper inspection of the couples property, grossly undervaluing the cost of repairs and deliberately yielding an unrealistic amount to underpay coverage.

January 9, 2016 Storm

On January 9, 2016, a severe wind- and hailstorm bombarded Harris County, Texas, tearing through neighborhoods and destroying homes as it went. Their 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 $1,700, which, after the deductible, 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 client’s property is currently estimated at nearly $37,000.

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 November 17, 2016, 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 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.

Chad T. Wilson Law Firm Outplays State Farm

For years, insurance companies like State Farm have taken advantage of policyholders through the misuse of Texas insurance law. The Chad T. Wilson Law Firm is fighting to stop this abuse.

Attorney Stephen Mengis leads the firm’s charge in protecting its clients against State Farm’s misguided practice. “State Farm uses appraisal as a ‘Get Out of Jail Free’ card,” Mengis explained. “They use appraisal to get away with paying policyholders as little as possible, sometimes years after the fact.”

What is appraisal?

When a homeowner makes a claim on their insurance policy, their insurance will send out an adjuster to inspect the home and claim. Too often, the adjuster will seriously low-ball estimates to assert that the insurer owes nothing under the policy.

Many savvy policyholders will hire a third-party, unbiased inspector to assess damages and see if the insurance company left anything out. Based on the inspector’s estimate, the homeowner can sue the insurance company.

During the lawsuit, either side can invoke appraisal. Each side will hire an adjuster who will give them the best damages amount — the insurance company will want another low estimate, and the policyholder’s attorneys will want a high estimate.

After each side inspects the property and determines the amount of damage, the two adjusters will meet to find a compromise. If they can’t agree, they’ll bring in another adjuster (umpire, if you will) who will pick a side. Whatever amount the third adjuster chooses is what the insurance company pays.

Texas Insurance Law

If an insurance company doesn’t pay a claim within 60 days, Texas law mandates they pay any attorney’s fees accrued during a lawsuit, along with an 18 percent interest rate on the amount of the damages. “In one case,” Mengis shared, “we got an appraisal award exactly one year after the damages occurred. That’s well outside of the 60 days.”

State Farm invokes appraisal on every case, then uses a 2004 case to justify only paying the appraisal amount. “With State Farm’s logic, they can deny any claim they want for any reason,” Mengis said. “For the small percentage of denied claims that file lawsuits, they can invoke appraisal, pay the appraisal award (sometimes more than two years after the damages occur) and say they don’t owe anything else under Texas law.”

What’s worse, according to Mengis, is that appraisal only sets the amount of the loss. It doesn’t account for the expenses and fees that go along with appraisal and the lawsuit, including attorney’s fees. “That’s the advantage of appraisal and why they use it.”

Mengis provided the example of a $10,000 appraisal award to replace a roof. After accounting for a $2,500 deductible, the policyholder is left with $7,500. The insurance company will then deduct a fee for the depreciation of the roof. If the roof is seven years old and was supposed to last 25 years, they’ll deduct 33 percent of the value of the roof. Now, the award is at $4,500. After fees for lawyers, appraisers, inspection and filing the lawsuit, the policyholder may actually owe money.

And State Farm still claims they awarded enough money to fix the roof. (And, if the homeowner doesn’t make the repairs, State Farm can cancel the policy.)

Houston Law Firm Combats Misuse of Appraisal

Mengis has taken to using State Farm’s logic against them. “Since the insurance company claims appraisal makes the lawsuit go away, we do, too,” he said.

The firm files a motion for Summary Judgement, asking the court to rule that the insurance company broke the law. “The appraisal award is evidence that they didn’t pay what they owed the policyholder within the 60-day time limit the law sets,” Mengis explained.

In this new set of circumstances, both sides have a valid argument for why they should win, making it harder for either to win. “That’s enough to keep the case alive after appraisal, so we can keep fighting for our clients.”

IF your claim has been denied, call us for a FREE consultation!

Houston Man Sues Geovera Insurance for Fraud

Our client recently filed a lawsuit against Geovera Specialty Insurance Company and its adjuster. The man’s home was seriously damaged in a thunderstorm that bombarded Harris County, Texas in August 2015. According to Plaintiff’s original petition, Geovera and its adjuster conducted a substandard and improper inspection of our client’s property, grossly undervaluing the cost of repairs and deliberately yielding an unrealistic amount to underpay coverage.

August 11, 2015 Storm

On August 11, 2015, a severe wind- and hailstorm tore through Houston, leaving a trail of damaged homes and lives. Our client’s house suffered severe damage to the roof and exterior, as well as several windows. After the storm, he quickly submitted a claim to Geovera, hoping his insurance company would help him get his life back in order.

Geovera Specialty Insurance Company Home Insurance Claim

Geovera assigned one of its adjusters to inspect the property and adjust the claim. Allegedly, the adjuster knowingly conducted a subpar investigation, refusing full coverage and estimating damages to total about $1,500. After the deductible, this left our client with no recovery to make repairs to his home.

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

The damage to our client’s property is currently estimated at $26,600.

As stated in the petition, Geovera’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.

Our client could not complete any repairs to his home, resulting in even more damage. Grover’s claims handling process forced him to retain an attorney to pursue his claim for insurance benefits. On November 2, 2016, the Chad T. Wilson Law Firm filed suit, on behalf of our client, against Geovera Specialty Insurance Company for fraud, breach of contract, 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, then we can help. The experienced attorneys at Chad T. Wilson Law Firm have represented more than 1,000 clients in cases against insurance companies. Our property insurance lawyers 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.

Montgomery County Woman Sues Travelers Insurance

Our client, a woman whose home was damaged in an accidental flood, was forced to file a lawsuit against Travelers Home and Marine Insurance Company and its adjusters. Travelers conducted a substandard and improper inspection of our client’s property, grossly undervaluing the cost of repairs and deliberately yielding an unrealistic amount to underpay coverage.

October 12, 2015 Flooding

On October 12, 2015, our client’s home in Montgomery County and its contents sustained extensive accidental water damage. Her home suffered damage to the entryway, hallway, den, dining room, living room, utility room, two bedrooms, two bathrooms and more. After the flooding, she promptly submitted a claim to Travelers, hoping her insurance company would help her get her life back in order.

Travelers Home and Marine Insurance Company Home Insurance Claim

Travelers assigned two of its adjusters to inspect the property and adjust the claim. The adjusters knowingly conducted a subpar investigation, refusing full coverage and estimating damages to total about $38,800. After the deductible, our client was left without the necessary funds to make repairs to her home.

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

The damage to our client’s property is currently estimated at $61,600.

Travelers’s adjusters intentionally undervalued our client’s claims in order to maintain their jobs. They misrepresented the amount of damage in the hopes that our client would simply rely on their expertise and fraudulent estimate as a true representation of the property’s damages.

Because of Travelers Home and Marine Insurance Company’s fraud, our client was forced to retain an attorney to pursue her claim for insurance benefits. On September 9, 2016, the Chad T. Wilson Law Firm filed suit, on behalf of our client, against Travelers Home and Marine Insurance Company for fraud, breach of contract, negligence, gross negligence, 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.

Two Houston residents, our clients, recently filed suit against Allstate Vehicle and Property Insurance Company and its adjuster. Their home was seriously damaged in a severe storm that ripped through Harris County, Texas in April 2016. Allstate and its adjuster conducted a substandard and improper inspection of their home, grossly undervaluing the cost of repairs and deliberately yielding an unrealistic amount to underpay coverage.

April 17, 2016 Storm

On April 17, 2016, a severe storm bombarded Houston, pelting our clients’ home with damaging hail. Their property suffered severe damage to the roof and exterior, as well as much of the house’s interior. After the storm, our clients 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 $1,800. After the deductible, this left our clients with no money to repair their home.

The third-party expert hired after the insurance company’s negligent inspection found a litany of damages that were either conveniently absent or undervalued in Allstate’s estimate. For example, the adjuster failed to recognize damage to the roof, but discovered the interior water damage that was caused by the damaged roof.

The damage to our clients’ property is currently estimated at $34,500.

Allstate’s adjuster intentionally undervalued our clients’ 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.

Because of Allstate’s fraud, our clients could not complete any meaningful repairs to their home, resulting in even more damage. Allstate’s inadequacies forced them to retain an attorney to pursue their claim for insurance benefits. On October 19, 2016, the Chad T. Wilson Law Firm filed suit, on behalf of our clients, against Allstate Insurance Company and its adjuster for fraud, breach of contract, negligence, gross negligence 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, then we can help. The experienced attorneys at Chad T. Wilson Law Firm have represented more than 1,000 clients in cases against insurance companies. Our property insurance lawyers 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.

Missouri City Man Sues Farmers Insurance for Breach of Contract

Our client recently filed a lawsuit against Texas Farmers Insurance Company and its adjuster. The man’s home was seriously damaged in a thunderstorm that bombarded Fort Bend County, Texas in May 2015. Farmers and its adjuster conducted a substandard and improper inspection of our client’s property, grossly undervaluing the cost of repairs and deliberately yielding an unrealistic amount to underpay coverage.

May 13, 2015 Storm

On May 13, 2015, a severe storm tore through Missouri City, striking our client’s home with lightning. His house suffered severe damage to the roof and exterior, as well as several electronics inside the home. After the storm, our client quickly submitted a claim to Farmers, hoping his insurance company would help him get his life back in order.

Texas Farmers Insurance Company Home Insurance Claim

Farmers 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 $6,200. After the deductible, this left our client without the necessary recovery to make repairs to his 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 Farmers’s estimate.

The damage to our client’s property is currently estimated at $38,300.

Farmers’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.

Because of Farmers’s fraud, our client could not complete any meaningful repairs to his home, resulting in even more damage. Farmers’s inadequacies forced him to retain an attorney to pursue his claim for insurance benefits. On October 4, 2016, the Chad T. Wilson Law Firm filed suit, on behalf of our client, against Texas Farmers Insurance Company for fraud, breach of contract, 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, then we can help. The experienced attorneys at Chad T. Wilson Law Firm have represented more than 1,000 clients in cases against insurance companies. Our property insurance lawyers 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.