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29
Apr

California Wildfire Lawsuits Uncover Disaster

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California Wildfire Lawsuits Uncover Disaster

California wildfire lawsuits

Two new lawsuits filed in Los Angeles are shining a spotlight on a worsening insurance crisis in California. Complaints allege that major home insurance companies, including State Farm, have colluded to limit coverage in wildfire-prone communities, forcing homeowners onto the state-run FAIR Plan. This last-resort plan offers only basic coverage and comes with high premiums, leaving thousands of policyholders underinsured and financially vulnerable after recent disasters.

Allegations of a Coordinated Industry Pullout

According to one of the lawsuits, insurers engaged in an “illegal scheme” by simultaneously withdrawing or halting new business in fire-prone areas beginning in early 2023. The lawsuit, filed on behalf of homeowners who lost their homes in the devastating January wildfires, claims this coordinated retreat violated California antitrust and unfair competition laws. The wildfires destroyed nearly 17,000 structures and resulted in at least 30 fatalities, leaving survivors struggling to rebuild with insufficient coverage.

The second lawsuit seeks broader damages for any policyholder forced onto the FAIR Plan after January 2023. The FAIR Plan caps residential coverage at $3 million, which for many homeowners falls far short of the cost to replace or rebuild homes in California’s inflated real estate market.

“By colluding to push plaintiffs and so many like them to the FAIR Plan, the defendants have reaped the benefits of high premiums while depriving homeowners of the full coverage they were ready, willing, and able to purchase,” said attorney Michael J. Bidart, representing the homeowners (KCRA News).

The FAIR Plan: Meant to Be Temporary, Now a Lifeline

The California FAIR Plan is an insurance pool funded by private insurers and designed for homeowners who cannot attain traditional coverage. While intended as a short-term solution, the plan has seen explosive growth. As of March 2025, over 555,000 California homes are insured under FAIR—more than double the number in 2020.

One reason insurers may be driving homeowners toward FAIR is that they do not bear the full burden of financial liability for FAIR payouts. After California’s top insurance regulator ordered insurers to contribute $1 billion to help the plan cover wildfire-related losses, a controversial provision allowed half the cost to be passed onto policyholders statewide. This sparked yet another lawsuit, challenging the legality of the surcharge.

Industry Response and Regulatory Challenges

Insurers argue that their decisions stem from the increasing difficulty of pricing risk due to climate change. As wildfires grow in frequency and intensity, insurers claim they must adjust their exposure to stay solvent. The American Property Casualty Insurance Association called the lawsuits “meritless,” stating that they comply with California antitrust laws and work to solve long-term challenges in the insurance market.

Meanwhile, California’s Department of Insurance has introduced regulations to encourage companies to return to high-risk areas. These include allowing insurers to factor climate risk and reinsurance costs into premiums—a move that may raise rates across the board but potentially restore access to coverage for at-risk homeowners.

“Californians deserve a system that works—one where decisions are made openly, rates reflect real risk, and no one is left without options,” said Gabriel Sanchez, spokesperson for the department (KCRA News).

What This Means for Policyholders 

At the Chad T. Wilson Law Firm, we’ve closely monitored how insurance carriers respond to climate-driven disasters—and we’ve consistently seen a troubling trend: delayed claims, dropped policies, and a growing reliance on state-backed, bare-bones insurance plans.

The case in California is just one part of a national issue. From wildfires in the West to hurricanes in the Gulf and hailstorms in the Midwest, property owners across the country are discovering that the insurance they thought would protect them no longer meets their needs.

Practice Areas

If your insurance claim has been denied, delayed, or underpaid—or if you’ve been forced into a limited policy like a FAIR Plan—you are not without options. Our firm stands ready to challenge bad faith practices and ensure policyholders receive the full compensation they’re owed.

21
Apr

Minnesota Homeowners Face Shrinking Insurance Coverage

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Minnesota Homeowners Face Shrinking Insurance Coverage

As severe weather season approaches in Minnesota, many homeowners are taking a closer look at their property insurance—only to find that coverage isn’t what it used to be. According to a recent report by CBS Minnesota, insurance companies in the state are quietly rolling back protections, increasing deductibles, and limiting how storm-related damage—particularly roof claims—is handled.

Unfortunately, this trend isn’t unique to Minnesota. At Chad T. Wilson Law Firm, we’ve seen these tactics play out in Texas, Colorado, Florida, and California, where insurers have responded to rising climate-related losses by cutting corners—often at the expense of the very policyholders they promised to protect.

With extreme weather events becoming more frequent and insurance companies pulling out of Texas, residents are facing tough decisions. Some are forced into the Texas FAIR Plan, a last-resort insurance option for those denied coverage, while others are considering going without insurance entirely—a risky gamble in a state prone to hurricanes, tornadoes, and hailstorms.

The Shifting Landscape of Roof Coverage

One of the biggest changes Minnesota homeowners are now facing? A dramatic shift in how insurers handle hail damage and roof claims.

“Hail losses, specifically as it relates to roofs, are some of the biggest cost drivers right now,” said Aaron Cocking, an insurance industry lobbyist. To recoup losses, insurance companies are increasingly prorating roof claims—meaning the amount they’ll pay depends on the age of your roof—and applying separate deductibles based on damage type, rather than using a single, standard deductible.

This practice mirrors what we reported in Texas, where we covered how increasingly complex policy language and selective coverage limitations are leading to widespread confusion—and in some cases, outright denial of valid claims.

Homeowners Are Often Unaware Until It’s Too Late

“Many homeowners think, ‘I’ve got home insurance—I’m covered,'” said Cocking, “but they don’t actually read into it.”

This is a dangerous assumption, and one that’s exploited all too often. As noted in our recent coverage of the Texas insurance crisis, more and more policyholders are learning—after damage occurs—that their policies exclude or drastically underpay storm-related repairs.

Dan Walrach, a Minnesota-based contractor, echoed this concern. “Read your policy,” he advised. “If you don’t know how to read your policy, find someone to help you read it.”

What Homeowners Should Do Now

This is sound advice for anyone living in a storm-prone region. Here are key steps every homeowner should take to protect themselves:

  • Review Your Policy Now – Don’t wait for damage to happen. Know your deductibles, exclusions, and whether your roof is covered at replacement cost or actual cash value.
  • Ask Questions – Contact your agent and ask specific questions about hail, wind, and water damage.
  • Document Everything – Take photos of your roof and exterior now, before storm season, as a baseline for future claims.
  • Know Your Rights – If you feel a claim has been unfairly denied, underpaid, or delayed, contact a qualified insurance attorney.

How Chad T. Wilson Law Firm Can Help

At Chad T. Wilson Law Firm, we specialize in helping policyholders fight back when insurance companies fail to honor their contracts. Whether you’re in Minnesota, Texas, or any other storm-prone state, we understand how to navigate complex insurance disputes and hold carriers accountable.

If your claim has been denied, delayed, or underpaid, contact us for a free case evaluation. We don’t get paid unless you do.

14
Mar

Appellate Victory Over State Farm

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Appellate Victory over State Farm

At the Chad T. Wilson Law Firm, we fight for policyholders—and we win. In a pivotal case, we secured a significant victory against State Farm Lloyds, ensuring justice for our client, Alice Ladkin, an 85-year-old widow who simply wanted her rightful insurance benefits. The Second Court of Appeals of Texas ruled in favor of Ms. Ladkin, affirming that insurance companies must uphold their obligations to policyholders.

The Case Background

In July 2019, Ms. Ladkin filed a claim with State Farm Lloyds after a storm caused wind and hail damage to her home, leading to water leaks in her living-room ceiling. Instead of honoring the claim, State Farm disputed the extent of the damage, asserting that the cost of repairs fell below the deductible. Even after an independent appraisal confirmed that a full roof replacement was necessary, State Farm still refused to pay, citing preexisting conditions.

The Legal Battle

Our legal team presented compelling evidence that State Farm failed to conduct a thorough investigation and acted in bad faith by refusing a legitimate claim. The jury sided with Ms. Ladkin, issuing a strong verdict:

  • $40,000 in actual damages for home repairs.

  • $35,000 in treble damages under the Texas Deceptive Trade Practices Act (DTPA) for State Farm’s unfair treatment.

  • Attorney’s fees to ensure Ms. Ladkin wasn’t burdened with legal costs for fighting a rightful claim.

State Farm’s Appeal & The Court’s Ruling

State Farm attempted to overturn the verdict, employing several arguments in an attempt to reduce its liability. Among their primary claims, they contended that Ms. Ladkin should not recover damages exceeding the appraisal award, and they argued that the evidence presented did not justify the treble damages awarded. Additionally, they challenged the trial court’s exclusion of certain expert testimony, asserting that it would have bolstered their position. Finally, they claimed that the appellate attorney’s fees granted to Ms. Ladkin’s legal team were excessive.

Despite their efforts, the Second Court of Appeals found that most of these arguments lacked merit. The court upheld the jury’s findings regarding actual and treble damages, reaffirming that the insurer’s bad faith conduct warranted the significant financial penalties. The only aspect of the ruling that required further review pertained to the appellate attorney’s fees, which were remanded for further proceedings. The core takeaway? State Farm could not escape accountability for its failure to honor a valid claim.

This ruling reinforces a vital principle: insurers who engage in bad faith tactics cannot expect to evade justice through legal maneuvers. This case sets a clear precedent that insurance companies must be held accountable when they attempt to shirk their obligations to policyholders.

Why This Win Matters

This victory extends far beyond one policyholder—it’s a crucial win for all homeowners and business owners who rely on their insurance policies to protect them in times of crisis. Far too often, insurers deploy delay tactics, underpay claims, or outright deny coverage, leaving vulnerable homeowners to bear the financial burden alone. This case shines a light on those practices and underscores the importance of holding insurers accountable.

The implications of this decision are profound. First, it reassures policyholders that they have the right to challenge unfair claim denials. Many homeowners assume they have no recourse when an insurer disputes their claim, but this case proves otherwise. When policyholders stand up for their rights—and have a legal team committed to their fight—they can prevail against even the largest insurance providers.

Furthermore, this ruling puts insurance companies on notice. They cannot simply deny claims in bad faith, hoping policyholders will accept their decision without contest. When they refuse to conduct fair investigations or attempt to shift the burden onto homeowners, they risk severe legal and financial consequences.

For homeowners, this means greater confidence in pursuing claims when they are wronged. It reminds them that insurance policies are contracts, and those contracts must be honored. This ruling empowers individuals to push back against unfair practices and seek the compensation they are rightfully owed.

At Chad T. Wilson Law Firm, we remain dedicated to advocating for policyholders. This victory is a testament to our commitment to ensuring justice prevails, and we will continue to stand up against bad faith insurance practices to protect homeowners and business owners alike.

Is Your Insurance Company Giving You the Runaround? Let’s Talk.

If you’re facing unjust claim denials or delays, don’t settle for less. Contact us today for expert legal representation.

Call us today to schedule your free consultation.

25
Feb

Insurance Companies Denied the Most Claims

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Insurance Companies Denied The Most Claims

The challenges facing homeowners in disaster-prone areas have grown exponentially, particularly in California. In 2023, three major home insurance companies in the state denied claims at rates significantly higher than the national average, according to a report from Weiss Ratings (source). This trend raises concerns about the state of home insurance amid a climate crisis that continues to increase the frequency and severity of natural disasters. Here are the insurance companies that denied the most claims.

The Numbers Behind the Insurance Denials

Weiss Ratings found that affiliates of Farmers Insurance, based in Los Angeles, denied approximately 50% of claims in California in 2023. USAA affiliates followed closely, declining 48% of claims, while Allstate Insurance, headquartered in Illinois, denied 46% of claims. These figures are starkly higher than the nationwide claim denial rate of 37% and represent a sharp increase from 25% two decades ago.

It’s important to note that these numbers reflect claims denied before California’s devastating wildfires in Los Angeles, which have destroyed more than 12,000 structures. The surge in climate-related disasters has sent insurance costs soaring and, in some cases, prompted insurers to drop coverage in high-risk areas altogether (sourc

Understanding Why Insurance Claims Are Denied

While the Weiss report paints a concerning picture, insurance companies argue that the numbers are more nuanced than they appear. Many of the denied claims cited in the report were closed without payouts because:

  • Damages Did Not Exceed the Deductible: Claims were below the policy’s threshold for coverage.

  • Policy Exclusions: The reported damage was not covered under the specific policy.

Despite these explanations, the end result for policyholders remains the same—no financial assistance to repair or rebuild after damage.

The Climate Crisis and Its Impact on Insurance

Martin Weiss, CEO of Weiss Ratings, attributes the rise in denied claims to the increasing number of climate-related disasters that inflict severe damage or total destruction on homes. The human-driven climate crisis has made extreme weather events more frequent, leaving insurers grappling with soaring costs.

In response to the Los Angeles wildfires, California Insurance Commissioner Ricardo Lara took action to protect affected policyholders. Lara prohibited insurance companies from dropping or refusing to renew policies for up to a year for those impacted by the fires, ensuring homeowners have a safety net as they recover (source).

“Losing your insurance should be the last thing on someone’s mind after surviving a devastating fire,” Lara stated.

What This Means for Homeowners

The Weiss report highlights a critical issue for policyholders: even with protections against non-renewals, insurers are not obligated to approve all claims. This underscores the importance of understanding your policy’s terms, including coverage limits, exclusions, and deductibles.

For homeowners facing denied or underpaid claims, working with an experienced insurance attorney can make all the difference. Legal representation can help policyholders navigate the complex claims process, challenge unfair denials, and secure the compensation they deserve.

How Chad T. Wilson Law Firm Can Help

At Chad T. Wilson Law Firm, we specialize in holding insurance companies accountable for their obligations to policyholders. If your claim has been denied or underpaid, our dedicated team is here to fight for your rights and ensure you receive a fair resolution.

Don’t let your insurance company shortchange you in your time of need.

Contact us today for a free consultation and let us help you rebuild with confidence.

16
Sep

Progressive Halts Home Insurance in Texas: What You Need to Know

 

In a significant move affecting Texas homeowners, Progressive Insurance has announced a temporary suspension of offering new homeowners insurance policies in the state. This decision comes on the heels of Hurricane Beryl’s devastation across Houston and raises concerns about the stability of the homeowners insurance market in Texas.

At Chad T. Wilson Law Firm, we understand the challenges that homeowners face when navigating insurance claims, especially during times of crisis. This article aims to provide a comprehensive overview of the situation and offer guidance to those affected.

Progressive’s Decision and Its Implications

Temporary Restriction on New Policies

In a recent letter to shareholders, Progressive Insurance CEO Tricia Griffith stated that the company is “temporarily restricting new homeowners’ business” in Texas. The move is part of a strategic effort to reduce the impact of weather-related volatility on the company’s portfolio.

Focus on Weather-Related Risks

Griffith emphasized the importance of shifting the company’s geographic mix, focusing on growing in states with lower weather risks while reducing exposure in areas more susceptible to catastrophic events like hurricanes and hailstorms.

Impact on Existing Policyholders

While the suspension currently affects new policies, there is concern among existing policyholders about potential non-renewals or premium increases. In Florida, Progressive previously dropped 115,000 policyholders due to similar concerns over natural disasters.

Wind Damage Claims Lawyer

Rising Insurance Costs for Texas Homeowners

Homeowners across Texas are experiencing significant hikes in insurance premiums. Some residents have reported increases from $2,600 to $8,800 within a year, making it increasingly difficult to maintain adequate coverage.

Comparison with National Averages

According to Bankrate, Texas homeowners pay an average of $3,898 for $300,000 in dwelling coverage—72% more than the national average of $2,270. These escalating costs highlight the growing financial strain on Texas residents.

What Is an Insurance Appraiser and What Do They Do?

Other Insurers Following Suit

Progressive is not alone in this trend. Foremost Insurance, a subsidiary of Farmers Insurance, ceased writing and renewing new policies shortly before Hurricane Beryl struck. In communications to customers, the company cited a reassessment of risks related to natural and catastrophic losses.

Potential for a Widening Crisis

The withdrawal of major insurers from the Texas market could exacerbate the homeowners insurance crisis, limiting options for residents and potentially leading to higher rates due to decreased competition.

tornado damaged house with a blue tarpaulin on the roof

Options for Texas Homeowners

Texas Fair Plan Association

For those struggling to obtain coverage, the Texas Fair Plan Association (TFPA) offers a lifeline. Established by the Texas Legislature in 1995, TFPA provides basic property insurance for eligible Texas homeowners who are unable to secure coverage through the voluntary market.

Considerations

While TFPA can be a valuable resource, policies may come with limitations and higher premiums. Homeowners should carefully assess their coverage needs and explore all available options.

Insurance Adjusters

Legal Recourse and Support

Understanding Your Rights

If your insurance policy has been non-renewed or you are facing exorbitant premium increases, it’s crucial to understand your legal rights. Insurance companies are obligated to follow state regulations when making such decisions.

How Chad T. Wilson Law Firm Can Help

Our firm specializes in representing policyholders in disputes with insurance companies. We offer:

  • Free Consultation: Assess your situation with no obligation.
  • Expert Representation: Navigate the complexities of insurance law with seasoned professionals.
  • Contingency Basis: No fees unless we secure a recovery on your behalf.

Steps to Take if Affected

  1. Review Your Current Policy: Understand the terms, coverage limits, and any notices of changes or non-renewal.
  2. Explore Alternative Insurance Options: Seek quotes from other reputable insurers still operating in Texas.
  3. Consult with an Attorney: If you believe your rights are being infringed upon, legal advice can provide clarity and direction.
  4. Stay Informed: Monitor communications from your insurer and stay updated on industry developments.

Conclusion

The decision by Progressive Insurance to halt new homeowners policies in Texas underscores the challenges facing the state’s insurance market. As natural disasters become more frequent and severe, homeowners must be proactive in securing adequate coverage and advocating for their rights.

At Chad T. Wilson Law Firm, we are committed to assisting Texas homeowners during these uncertain times. If you have concerns about your insurance coverage or need legal assistance, please reach out to us.

Contact Us Today

Stay Protected. Stay Informed. We’re Here to Help.

 

26
Aug

Tips for Derecho and Hurricane Beryl Storm Claims

Tips for 2024 Derecho and Hurricane Beryl Storm Claims

 

Texas residents and property owners continue to be absorbed in the post-derecho of 2024, and Hurricane Beryl. Navigating the storm of insurance claims can be maddening and confusing. But that’s not surprising when your house or business is damaged or destroyed and you are dealing with property damage and loss. Here’s a brief blog to address the concerns that most Texas citizens will have after going through a tumultuous time and dealing with an insurer or insurers on a claim.

Reviewing Policy for Derecho and Beryl Claims

Whether you have suffered a home covered by your insurance or not, the first thing you want to do with your insurance company is to read – or better yet, have an attorney read – your policy. This is the document that spells out what is and is not covered in the event of windstorms, hail damage, flood damage and other natural disasters that are often a part of a derecho and a hurricane.

  • Make sure there’s no exclusion on the policy for the things you care about – for example, water damage from certain types of plumbing problems or mold.
  • You Live in the Family Home: Did you know that, for a fire-related claim, you must stay in the home and ensure it is habitable? Know Your Deductibles: Did you know that you have to pay deductibles out of pocket before insurance starts paying your claims?

Common Reasons for Claim Delays and Denials

There why an insurance claim might be delayed or denied – none of them absolute nightmare scenarios, but all of them worth knowing about so you can avoid the common traps.

  • Incomplete Documentation:

    One of the most significant causes for delays is incomplete documentation.
    • Submit all required forms and evidence promptly.
    • Keep detailed records, including photos and receipts.

  • Policy Exclusions:

    Policies often contain specific exclusions that can complicate claims.
    • Carefully read the exclusions section to understand what is not covered.
    • Consult with an attorney if you have concerns about the language of your policy.

Handling Disputes with Your Insurance Company

Unfortunately, disagreements over benefits are not uncommon between policyholders and insurers, especially after a widespread disaster has occurred. Here are some things you can do if you find yourself in a dispute.

  • Always request detailed explanations for any denials or reductions of your claim.
  • Ask for an Unbiased Review: Hire an independent appraiser to come in and review what was broken and objectively describe what was damaged.
  • Keep a Timeline: Keep a meticulous timeline of all your interactions and communications with your insurance company.
  • Document Everything: Writing is better than talking, if you get the message in writing.

Legal Recourse

And if everything else fails, filing a lawsuit may be your last resort. The Chad T. Wilson Law Firm represents policyholders in this regard.

When to Contact an Attorney

It’s not easy to know when to contact an attorney, but typically if your claim is significantly delayed, if you are wrongly denied, or if settlements are extremely low, you should consider hiring an attorney.

  • Prolonged Delays:

    If your claim is delayed without reasonable cause.

  • Unfair Denials:

    If you believe your claim has been unjustly denied.

How We Can Help

Our firm, the Chad T Wilson Law Firm, helps policyholders recover the full measure of their recoverable benefits. We are skilled insurance policy specialists and work to make sure you receive the benefits you are owed.

  • Free Consultation:

    We offer a free consultation to evaluate your case.

  • Contingency Basis:

    based on contingency fees – you don’t pay unless we recover a settlement on your behalf.

Steps to Strengthen Your Claim

Here are some things you can do to prepare yourself well in advance to make a stronger case:

  • Photograph Everything:

    Take multiple photographs of the damage from various angles.

  • Secure Temporary Repairs:

    If possible, secure temporary repairs to prevent further damage.

  • Collect Receipts:

    Obtain receipts for temporary repairs and lodging if you need to leave your home.

  • Keep All Communications:

    Save every email, letter, and note related to your claim.

  • Create a Claim Diary:

    A diary keeping track of every step you take and every person you contact can be useful.

Conclusion

Despite the trauma of surviving the 2024 derecho and Hurricane Beryl (and the aftermath of the record-breaking insurance claims), you don’t have to feel that you’re back in the deep end. You can educate yourself about your policy; know what kinds of claims are most commonly denied; and, when needed, work with an attorney.

The Chad T Wilson Law Firm is dedicated to helping Texans rebuild and recover through these trying times. If you find yourself in a fight with your insurance company over a claim, call us today for a free consultation and let us help you get the compensation you deserve.

Learn more about us at cwilsonlaw.com or call 833-942-0678 to schedule a consultation.

15
Jan

What to do if your pipes freeze during a winter storm: 2024 Update

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Chad T. Wilson – Resources
January 15, 2024
Updated: January 15, 2024 09:20 a.m.
Source: https://cwilsonlaw.com

What to do if your pipes freeze during a winter storm 2024 Update

  • In frigid weather, set your home’s thermostat above 55 degrees.
  • Pour cold water into the faucet that is furthest away from your main valve. Water in motion prevents pipes from freezing.
  • Find emergency shut-off valves.
  • In locations without heat, insulate pipes.
  • To warm the pipes, open the cabinets and vanities.
  • Shut off the internal water supply valves.
  • Open the outside spigots to allow to drain water out.
  • Keep the outside valve open to allow any leftover water in the pipe to expand without rupturing.
  • Turn off the water at outside spigots and remove all water from the line when freezing weather is predicted.

Water utilities are responsible for water mains and pipe lines that connect to your home, but not pipes located on your property. If a pipe bursts on your property, call a plumber immediately for repairs. Help protect your pipes from potential damage and avoid costly repairs by following these steps.

Here are some tips to help avoid frozen pipelines in the future:

  • In frigid weather, set your home’s thermostat above 55 degrees.
  • Pour cold water into the faucet that is furthest away from your main valve. Water in motion prevents pipes from freezing.
  • Find emergency shut-off valves.
  • In locations without heat, insulate pipes.
  • To warm the pipes, open the cabinets and vanities.
  • Shut off the internal water supply valves.
  • Open the outside spigots to allow to drain water out.
  • Keep the outside valve open to allow any leftover water in the pipe to expand without rupturing.
  • Turn off the water at outside spigots and remove all water from the line when freezing weather is predicted.

Water utilities are responsible for water mains and pipe lines that connect to your home, but not pipes located on your property. If a pipe bursts on your property, call a plumber immediately for repairs. Help protect your pipes from potential damage and avoid costly repairs by following these steps.

How can you Prevent Your Pipes From Freezing During a Winter Storm in the future?

The pipes in unheated interior spaces, such as garages, attics, and basements, are the most vulnerable. However, pipes that pass through external walls or cupboards may also freeze. The good news is that you can maintain dry conditions in your home and running water by taking a few easy steps.

The American Red Cross, which deals with emergency preparedness, and the IBHS both offer helpful tips on how to keep your pipes from freezing and how to thaw them if they do.

Why Pipe Freezing is Such a Serious Problem:

One peculiar characteristic of water is that it expands when it freezes. Anything holding it in place, such as metal or plastic pipes, is under extreme pressure from this expansion. Expanding water has the potential to shatter pipes, regardless of how sturdy the container is.

The most commonly freezing pipes are:

  • Pipes that are subjected to extreme cold, such as sprinkler lines, swimming pool supply lines, and outdoor hose bibs.
  • Water supply pipes in unheated interior places such basements and crawl spaces, attics, garages, or kitchen cabinets.
  • Pipes that run against exterior walls that have minimal or no insulation.

Here are some tips to help avoid frozen pipelines in the future:

  • In frigid weather, set your home’s thermostat above 55 degrees.
  • Pour cold water into the faucet that is furthest away from your main valve. Water in motion prevents pipes from freezing.
  • Find emergency shut-off valves.
  • In locations without heat, insulate pipes.
  • To warm the pipes, open the cabinets and vanities.
  • Shut off the internal water supply valves.
  • Open the outside spigots to allow to drain water out.
  • Keep the outside valve open to allow any leftover water in the pipe to expand without rupturing.
  • Turn off the water at outside spigots and remove all water from the line when freezing weather is predicted.

Water utilities are responsible for water mains and pipe lines that connect to your home, but not pipes located on your property. If a pipe bursts on your property, call a plumber immediately for repairs. Help protect your pipes from potential damage and avoid costly repairs by following these steps.

What to do if your pipes freeze during a winter storm: 2024 Update

Even interior pipes can freeze in subzero conditions.

The likelihood of your pipes freezing and rupturing increases dramatically when the weather drops. According to the Insurance Institute for Business and Home Safety, burst pipes are one of the most frequent reasons for property loss during extremely cold weather. They can quickly result in thousands of dollars worth of water damage, or even more. If you experience frozen pipes at your home or business after a winter storm, continue reading this article.

Here are several steps you can take if your pipes freeze during a winter storm this 2024:

  • Activate the faucet and leave it running. In the future, a burst pipe can be avoided by letting the faucet drip, even a little bit.
  • Use a hair dryer to gently apply heat to the frozen spot. Air should be directed toward the faucet end of the pipe and progressively moved toward the coldest part. Take caution not to blow a fuse or overheat the hair dryer. Avoid using a propane torch since it might cause damage to the pipe and increase the risk of a fire.
  • Don’t stop heating until the water pressure is fully restored. Keep applying heat. Even so, after the pipe has thawed, it’s a good idea to leave the faucet open for a few minutes. This will allow the ice to get far enough away from the line.
  • Examine every faucet in your house to look for any further frozen pipes and prevent pipes from freezing in the future. It’s possible that other pipes have been impacted by one frozen pipe.

The pipes will probably take half an hour to thaw. This might change, though, based on the temperature, the length of time the pipe has been frozen, and its location. If none of the aforementioned actions work for you, you should contact a plumber for help.

How urgent is a burst pipe?

Put an end to the leaky pipes as soon as possible!

Even over brief periods of time, undetected burst pipes can result in significant property damage and higher water costs. Known as “water damage,” this problem can lead to flooding, damage walls and furniture, and ruin existing flooring.

Will homeowner insurance cover damage from frozen pipes?

Most homeowner and commercial property insurance policies, in general, will cover damage from a frozen pipe that bursts.

What to do if your insurance claim is denied or underpaid after a pipe burst causes water damage?

You might be able to file a lawsuit against your insurance provider if a burst pipe caused damage to your property and they either rejected your claim or paid you significantly less than the true cost of the damage. A pipe damage attorney can assist you in determining what to do next. Allow The Chad T. Wilson Law Firm insurance lawyers in Houston to defend your rights to justice and recompense. For a free consultation, reach out to us today. If your lawsuit is unsuccessful, there will be no payment due.

How can you Prevent Your Pipes From Freezing During a Winter Storm in the future?

The pipes in unheated interior spaces, such as garages, attics, and basements, are the most vulnerable. However, pipes that pass through external walls or cupboards may also freeze. The good news is that you can maintain dry conditions in your home and running water by taking a few easy steps.

The American Red Cross, which deals with emergency preparedness, and the IBHS both offer helpful tips on how to keep your pipes from freezing and how to thaw them if they do.

Why Pipe Freezing is Such a Serious Problem:

One peculiar characteristic of water is that it expands when it freezes. Anything holding it in place, such as metal or plastic pipes, is under extreme pressure from this expansion. Expanding water has the potential to shatter pipes, regardless of how sturdy the container is.

The most commonly freezing pipes are:

  • Pipes that are subjected to extreme cold, such as sprinkler lines, swimming pool supply lines, and outdoor hose bibs.
  • Water supply pipes in unheated interior places such basements and crawl spaces, attics, garages, or kitchen cabinets.
  • Pipes that run against exterior walls that have minimal or no insulation.

Here are some tips to help avoid frozen pipelines in the future:

  • In frigid weather, set your home’s thermostat above 55 degrees.
  • Pour cold water into the faucet that is furthest away from your main valve. Water in motion prevents pipes from freezing.
  • Find emergency shut-off valves.
  • In locations without heat, insulate pipes.
  • To warm the pipes, open the cabinets and vanities.
  • Shut off the internal water supply valves.
  • Open the outside spigots to allow to drain water out.
  • Keep the outside valve open to allow any leftover water in the pipe to expand without rupturing.
  • Turn off the water at outside spigots and remove all water from the line when freezing weather is predicted.

Water utilities are responsible for water mains and pipe lines that connect to your home, but not pipes located on your property. If a pipe bursts on your property, call a plumber immediately for repairs. Help protect your pipes from potential damage and avoid costly repairs by following these steps.

07
Jan

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

Take Your Time When Purchasing Property Insurance
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 for your money. The same may be said when taking your car into the shop. When purchasing a service, the reason for your visit is more important than how fast you get the service. Learn how to make your property insurance purchase a smooth transaction.

More insurance carriers are making it easier for first-time homeowners to get home insurance. Obtaining property insurance expeditiously is important. Larger insurance companies can move quickly when it comes to purchasing insurance and smaller insurance companies are following the trend. What is the best insurance and what can you do to avoid making a mistake when purchasing it?

Choosing the Right Coverage

The most important thing in any business is to provide excellent customer service. This includes ensuring that the policyholder has all necessary coverages and not just encouraging them with products they will never use or be able to afford.

When an insurance provider rushes through the purchasing process without thoroughly understanding their customer’s needs, they’re harming not only themselves but also other parties involved in this transaction. By focusing on profits instead of getting to know your clientele and what coverages are needed for them – you hurt everyone who has been relying upon these policies!

A company should never sacrifice its morals just because it wants more customers or greater profit margins; doing so will only come back around at some point anyway with negative consequences that could’ve easily been avoided by taking care beforehand.

Homeowner’s insurance or any type of insurance for that matter is a serious subject. Inadequate coverage can result in financial catastrophe. Insurance companies are in the business of making money, they cannot increase their profits if they roll over and pay every insurance claim. Viewing insurance as a simple means to make money is wrong. People need insurance. People need to be protected.

Choosing the right coverage goes hand in hand with finding the right agent for you and your needs. Insurance can be a confusing topic for the average person, but there are ways to find affordable coverage. Your agent is someone you should contact if anything happens with your policy – they’re in the know and will help make sure that nothing gets left uncovered or unpaid!

Filing a Claim

When filing a claim, customers want to know that their insurer will be able to provide tangible evidence of coverage. We need this assurance before putting any money at risk and without it, we feel uncertain about what kind or how much help is available for an event that has occurred while using their product/service.

If you do not have the right insurance, you could find yourself in a significant financial hole. A thoughtful conversation with an insurance agent can help you avoid these errors.

Take Your Time to Find the Right Agent

Good Insurance agents often face a challenging environment where they must balance the needs of their customers with those companies. Insurance leaders who put profit ahead of customer service will struggle in this competitive market, as knowledgeable and trustworthy professionals like insurance brokers can provide better quality products for clients.

Insurance agents are often expected to spend very little time with their customers, but the best ones understand that every second counts. They know it’s not just about making sales or finding new clients; they need customer input and guidance so insurance products can be tailored specifically for them – which is why we find this situation ironic!

The bottom line is you need to take this important purchase seriously and find an agent that takes the time to find YOU out what you need.

If your property insurance claim has been denied, delayed, or underpaid, contact the expert insurance attorneys with the Chad T. Wilson Law Firm at (833)942-0678 or email us at [email protected].

14
Dec

3 Reasons To Think Twice Before Accepting A Fast Settlement Offer

3 Reasons To Think Twice Before Accepting A Fast Settlement Offer

While a fast settlement offer from an insurer might seem like a stroke of luck, you should keep in mind that the amount being offered may be well below what you are actually entitled to. Here are 3 reasons to think twice before accepting a fast settlement offer.

When your home or property has suffered damage, your insurance company should be there to help with repairs to get the situation remedied. Unfortunately, not all insurance companies see it that way. It’s in their best financial interest to avoid paying claims where possible even when the claims are legitimate. They will use tactics like denying, delaying, or undervaluing claims in the hopes that the policyholder will just be quiet and go away. This can include offering to cut a check right away for a quick, no-hassle settlement. Here are 3 reasons to think twice before accepting a fast settlement offer.

1. Adjusters Want The Best Outcome For Their Employer (not you) – Your insurance adjuster might seem like he’s looking out for you and maybe he/she is to a certain extent, but remember they work for your insurer and not you. They may misrepresent or intentionally misinterpret your policy to save their employer money.

2. You May Not Know The Full Extent Of The Damage – When property damage is suffered and you first file a claim you may not fully understand the extent of the damage. Things like hidden structural damage can be present without you realizing it and only later after you’ve accepted the settlement does it come to light. Situations like this can end up costing you much more than what the insurance company paid out.

3. First Offers Are Often Deliberately Low – The first settlement offer is by design a low one. The least amount they can give a policyholder to make them go away the better. If your adjuster gives you a fast settlement offer it could be a sign they know the claim is worth more.

Get A FREE Case Review

If you have recently had home or property damage and already accepted a settlement offer, but now realize it was significantly undervalued you may have a case. If your insurer acted in bad faith you may be entitled to compensation. Contact us today for a free case review.

30
Nov

Twice Denied Homeowners Insurance Claim Leads to New Roof

Twice-Denied-Homeowners-Insurance-Claim-Leads-to-New-Roof

Twice Denied Homeowners Insurance Claim Leads to New Roof

Property damage may include damage to your home, your patio furniture, your fence, your mailbox, or any other belonging to your property. How much you may be able to recover for your property damage can be determined by proof of replacement value, repair costs, the inability of use until fixed or replaced.

Having a roof insurance claim denied is common. Luckily, a roof damage claim denial does not have to be the last word. Understanding the insurance claim process and how to challenge an insurance denial is a valuable skill for every homeowner. In most situations, your homeowner’s insurance covers roof damages due to a storm. You can expect a claim rejection letter if the peril is excluded by your homeowner’s insurance policy. Knowing what your homeowner’s insurance policy excludes is very important. Some standard homeowners insurance policies (HO-3) cover common disasters, but not everything. Some insurance policies have separate wind and hail damage deductibles. Make sure to read your policy carefully to understand what damage is covered.

It Was the Other Storm’s Fault

In the spring of 2016, the Spring, Texas area experienced a wind and hail storm that damaged the roof and exterior of our clients’ home. Our clients, one a 40-year plus emergency room nurse, filed a homeowners insurance claim with their insurer who sent out an adjuster who wrote the damage off as minimal and failed to cover the damage to the roof. The adjuster claimed the roof damage was less than $1000 and under the deductible, even though other houses in the neighborhood received new roofs due to the wind and hail damage. Our clients trusted the results the insurance company provided them with and did not pursue any action after the initial insurance claim denial.

Then came Hurricane Harvey a year later and the roof leaks that followed. Our clients filed another homeowners insurance claim to which their insurance company responded by sending out another adjuster, who came back telling them the roof leaks were a result of previous damage and/or wear and tear, not the storm. That meant the insurance company most likely misrepresented the scope of damages during the first claim back in 2016. Having experience with one denied homeowners insurance claim already, our clients called us to take their case. Our own third-party adjuster concluded the damage from the hailstorm in 2016 that went unrepaired was exacerbated by Hurricane Harvey and ultimately the fault of the insurance company for not fixing the repairs before the hurricane’s impact.

Bad Faith Insurance Claim Seeks Redemption

If the insurance company had fixed the repairs to the home from the initial claim, the damages inflicted during Hurricane Harvey would have been reduced or less severe. We filed suit and sent a demand letter to the insurance company, who settled at mediation with us and provided the funds for the repairs to the exterior of the home as well as a brand new roof for our clients.

Because an insurance company has an obligation of good faith and fairness with the people it insures, those who believe an insurance company has not acted fairly and in good faith also can have a claim for common law bad faith and statutory violations. The Texas Insurance Code also provides the rules for how insurers must behave towards policyholders.

Houston Property Insurance Lawyers

Has your homeowner’s or commercial business insurance claim been denied? We can help. Representing thousands of clients against big insurance companies, our insurance claims attorneys aggressively protect the rights of the policyholder. Our consultations are free, and you owe us nothing until we win your case. Contact us today.

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