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...Read More

It Is 2022 And Appraisals Are All The Rage Again… But Watch Out For The Same Old Problems!! 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...Read More

Homeowners Insurance Claim Victory Exceeds Policy Limits 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...Read More

Weather Service Report Links Roof Damage to Hailstorm That Insurance Company Claims Never Happened 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...Read More

Federal Courts Adopt the Western District of Louisiana’s Case Management Order 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...Read More

Cosmetic Damage Exclusions & Property Litigation 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”...Read More

Why It’s Important To Take Your Time When Purchasing Property Insurance 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...Read More

Attorney Patrick McGinnis Talks Winning Claims On ‘The Legal Fix’ Radio Show 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...Read More

Courtroom Victories Against State Farm 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. Chad T. Wilson Courtroom Victories Against State Farm: Victory: Texas Jury Awards Damages To...Read More

Huge Victory For Policyholders in Texas Supreme Court! On March 19, 2021 the Texas Supreme Court issued its opinion in Hinojos v. State Farm Lloyds (No. 19-0280), in favor of Louis Hinojos, a client of Chad T. Wilson Law Firm. This was a huge victory for Texas policyholders. The Hinojos opinion will substantially assist policyholders...Read More