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.

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.

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!

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.

Woman Sues Travelers Lloyds for Undervaluing Tornado Damage

Our client, a woman whose home was damaged when a tornado passed through Rowlett, Texas,  was forced to file a lawsuit against Travelers Lloyds of Texas Insurance Company and its adjuster after they 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.

December 26, 2015 Tornado

On December 26, 2015, a severe tornado ripped through Rockwall County, Texas, leaving in its wake a path of desolation and destruction. Instead of celebrating the holidays, our client was scrambling to pick up the pieces of her broken home. Her home suffered severe damage to the roof, exterior and garage, among other damages. After the storm, the woman quickly submitted a claim to Travelers, hoping her insurance company would help her get her life back in order.

Travelers Lloyds of Texas Insurance Company Home Insurance Claim

Travelers 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 $24,000, leaving our client with only $11,500 to repair her entire home after subtracting the deductible.

The third-party expert hired after the insurance company’s deceptive inspection mostly found the same damages as Travelers’s adjuster, but the costs of repair were significantly higher than the adjuster’s low-balled estimates. When Travelers’s adjuster estimated the roof repairs would cost $4,400, the expert estimated nearly $7,000. Where the adjuster found damage to the front exterior of her home, the expert estimated damage five times greater, as well as more than $5,000 in damages to the other three sides of the property.

The damage to our client’s property is currently estimated at $59,650.

Travelers’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 Travelers Lloyds of Texas 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 September 13, 2016, the Chad T. Wilson Law Firm filed suit, on behalf of our client, against Travelers Lloyds of Texas 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, 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.

Suit Filed Against Standard Casualty Company

Our client, a woman whose home was damaged during a severe storm, was forced to file a lawsuit against Standard Casualty Company and its adjuster after they 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 26, 2016 Hailstorm

On May 26, 2016, a severe hail- and windstorm swept across Montgomery, Texas, destroying homes and lives as it went. Our client was no exception. Her home suffered significant damage, including damage to the roof, windows, master bathroom, dining room, living room, hallway, laundry room, and second bathroom, among other damages. After the storm, the woman hastily submitted a claim to Standard, hoping to mend her home quickly so she could start living again.

Standard Casualty Company Home Insurance Claim

Standard 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 only $2,000, leaving our client without the recovery needed to repair her home.

The third-party expert hired after the insurance company’s negligent inspection found a myriad of damages — that were conveniently absent from Standard’s inspection — totaling more than $33,000.

Standard’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 Standard Casualty Company’s gross negligence and fraud, our client was unable to complete any substantive repairs to her home, which resulted in even more damage. She was forced to retain an attorney to prosecute her claim for insurance benefits. On September 1, 2016, the Chad T. Wilson Law Firm filed suit, on behalf of our client, against Standard Casualty 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.