Meet Shannon, our most recent employee of the month candidate!

Shannon began her career in accounting in 2013 within the oil and gas industry, where she quickly advanced and cultivated her passion for numbers. She also holds over 20 years of customer service and office administration experience. She made the move into legal and trust accounting in 2017, when she joined Chad T. Wilson Law Firm. Shannon currently manages all settled cases for the firm, along with various other accounting and administrative aspects.

In her free time, she loves spending time with her family. Shannon has three children and two grandchildren who keep her busy. She also enjoys traveling, cooking, reading, and art.

When other candidates were asked why they nominated Shannon July’s Employee of the Month, one said:

“Shannon goes above and beyond every day. She is my go-to for a second opinion and is always thinking ahead. She is not only very smart, but also wonderful to work with.”

Congratulations on this wonderful achievement Shannon.

Learn more about our team at:
https://cwilsonlaw.com/meet-the-team-chad-t-wilson-law-firm-pllc-insurance-attorney/

 

Insurance companies often deny claims for storm damage due to a lack of evidence, incorrect information, or a failure to meet the policy requirements. However, homeowners who feel that their claim has been unfairly denied can take legal action to challenge the decision.

If an insurance claim is denied, the first step is to contact the insurance company and request an explanation. If the denial is not justified, the next step is to appeal the decision. If the appeal is unsuccessful, consider consulting a lawyer to discuss potential legal recourse.

These days, agents have limited information about an insurance claim. They may only have access to a few pieces of data, such as the claimant’s name, address, and type of insurance. Without additional information, it can be difficult for agents to make an informed decision about the claim. This problem can lead to delays and customer dissatisfaction.

Thank you for having us discuss the difficulties people are facing while in fear of their insurance claim being denied by major insurance companies. We all agree that the process of filing a claim can be complex and overwhelming and that many people may not have the resources or knowledge to properly navigate the system. Going forward, we must work together to ensure that people are not unfairly denied the coverage they need.

The Chad T. Wilson law firm is here to help you get the compensation you deserve after a claim has been denied. We have a team of experienced attorneys who specialize in fighting for the rights of individuals and businesses.

We will work with you to ensure that you receive a fair and just outcome. Contact us today for a free consultation. Our team will use their expertise and knowledge of the law to fight for you. We are committed to working tirelessly to make sure your rights are protected. Let us help you today!

View the complete Story Here:

https://www.newschannel10.com/video/2023/06/22/chat-chad-t-wilson-law-firm-talks-about-storm-damage-claims/

Learn more about our attorneys:
https://cwilsonlaw.com/meet-the-team-chad-t-wilson-law-firm-pllc-insurance-attorney/

 

Property damage from hailstorms costs billions of dollars annually ¹ and the cost seems to be increasing. Hundreds of home and business owners have damaged property when a storm clears. They must therefore deal with the unforeseen repair expense.

Siding, windows, roofs, and other components of buildings are frequently severely damaged by hail. In many cases, the degree of the harm is not immediately apparent.

When hail damage does occur, your insurance provider should pay for any necessary property repairs or replacements.

Unfortunately, getting insurance to cover hail damage is not always simple.

At Chad T. Wilson Law Firm, we recommend that you recognize why your hail claim was rejected.

First, you have to recognize the basis for the rejection.
An insurance provider must provide a thorough written justification for their judgment when denying a hail claim. Examine the justification in detail to make sure you comprehend the decision to reject your claim.

The written justification may shed light on “bad faith” actions, for example:

The insurance company provided a repair cost estimate that was significantly lower than the estimate of the contractor who assessed the damages. If this is the case, the insurance provider might be attempting to provide you with less money than you need to pay for the repairs.

Speak with your insurance provider if you’ve read the claim and are still unsure of the reason it was rejected. It is required by law to justify your denial.

Here are some tips that we recommend:

Investigate Your Insurance Policy.

You can better grasp what your insurance covers if you read your policy from beginning to end. Your insurance provider should be paying for the damage if your policy includes coverage for hail damage.

Gather all documentation related to hail damage.

Keep thorough records while making an insurance claim for hail damage. The more details you can offer, the more likely it is that your damage will be covered.

Take close-up photos of the hail damage.

Keep the contractor’s repair estimate, the claim denial, an in-depth description of the damages that includes the storm’s date and time, as well as any other pertinent documents and information.

Speak With A Property Damage Lawyer About The Claim.

Look for a lawyer with an understanding of and experience handling insurance denials. The lawyer will walk you through your situation during your free initial appointment and should be able to assess whether you have a case against your insurance provider. You are protected if insurance rejects claims it should be paying for. Furthermore, even little hail damage could cost a lot to fix.

The financial fallout from a hailstorm should NOT be your responsibility.

Chad T. Wilson Law Firm, PLLC, offers a legal team that will help you get the justice and compensation you deserve.

Our practice areas include:
🌨 Hail Damage Claims
🌪 Windstorm/Hurricane Damage
🏢 Commercial Claims
💧 Water Damage Claims
🔥 Fire & Smoke Damage

Get a free consultation today!

When Life Throws Curveballs: Navigating Insurance Claim Denials with Chad T. Wilson Law Firm.

Story:

A family in Edgard, Louisiana had it all and lost it all due to Hurricane IDA. Thus, leaving them with nothing but devastation and the fear that they could be homeless soon. Valuable insights from the Chad T. Wilson Law Firm can help regarding the challenges of insurance claims being denied. In this news blog, we dive into the story of a family in Louisiana whose story relies on the importance of seeking legal counsel in such circumstances.

After August 29th, you can no longer file a suit against your insurance company, only 2 years after the anniversary of Hurricane IDA.

After filing an insurance claim, Shalon Saul was met with a disheartening response: her claim was underpaid and unfairly denied.

“It’s just unfair that you do what you’re supposed to do. You pay your insurance, and they take you through these motions of going back and forth, and for what? You know, I did it right. You need to do right,” said Shalon.

Families feeling overwhelmed and unsure of their rights, highly suggest that everyone should seek legal advice from Chad T. Wilson Law Firm, PLLC.

The Chad T. Wilson Law Firm, known nationwide for expertise in insurance claim denials, can offer much-needed guidance and support during challenges of this kind. Chad T. Wilson can inform you and your family about all insurance denial rights and discuss the potential legal avenues available to challenge the denial.

Our firm emphasizes the importance of thoroughly reviewing insurance policies, understanding the fine print, and ensuring accurate disclosure of all pertinent information when filing a claim.

Conclusion:

Shalon Saul’s story is a testament to the resilience of the human spirit and the importance of seeking legal counsel when faced with insurance claim denials. The Chad T. Wilson Law Firm’s valuable insights and expert guidance can empower people like Shalon to navigate the complex legal landscape and secure the justice they deserve. It serves as a reminder to all individuals facing similar challenges to never lose hope and to explore all available legal options. When life throws curveballs, having Chad T. Wilson Law Firm by your side can make all the difference.

View Complete Story Here:
www.wwltv.com

Bills proposed:

• House Bill 1706, authored by Representative Mary Ann Perez. Read House Bill 1706.

• Senate Bill 796, authored by Senator Mayes Middleton. Read Senate Bill 796.

Good News

Governor Abbott just signed one of the bills, HB 1706, into law. Because of this, insurers, even surplus lines, are not permitted to issue any policy endorsements that forbid an insured from hiring a public adjuster. Out of concern regarding the increasing number of carriers adopting “Anti-Public Adjuster” language in their policies, TAPIA pursued this legislation. The right of policyholders to work with public adjusters is protected by the new law. Go through House Bill 1706. Since it safeguards both policyholders’ right to receive assistance with their claim and public adjusters’ right to contract, this is likely the most crucial of the two bills. 

Bad News

It’s important to remember that once the law was passed and the regular session ended, Texans for Lawsuit Reform vowed to reject it. TLR remained mute during every hearing and didn’t get in touch with TAPIA to discuss any issues with the bill. There is no way to determine if the Governor’s decision was caused by the unexpectedly late opposition.
In order to develop plans for the upcoming session in 2025, TAPIA continues to investigate ideas during special sessions.

All TAPIA members are sincerely appreciated for their membership and engagement in support of these initiatives.

Bills proposed:

• House Bill 1706, authored by Representative Mary Ann Perez, prevents insurers – including surplus lines –from issuing any policy endorsement prohibiting an insured from contracting with a public adjuster. TAPIA pursued this legislation out of concern for the growing number of carriers including “Anti-Public Adjuster” language in their policies. The new statute will preserve policyholder rights to contract with public adjusters if they want to. Read House Bill 1706.

• Senate Bill 796, authored by Senator Mayes Middleton, requires arbitration for cases originating in Texas to be held in Texas. This puts an end to the long-standing practice of holding arbitration proceedings related to surplus lines insurance contracts in New York. The new law is expected to save Texas policyholders considerable time and expense should they pursue arbitration. Read Senate Bill 796.

In today’s world, passing legislation in a successful manner is difficult.

Hundreds of measures introduced in the first few weeks of the session were never even heard. The legislative branch, state agencies, friends, and the industry as a whole all value and trust TAPIA as a voice for the public adjusting community. They have been working on it since TAPIA’s early years in the 1990s, so this is not an accident.

Their ability to show how unethical behavior harms consumers puts us in a much stronger position to advocate for regulation.

The only insurance experts in the sector who are dedicated to protecting policyholder rights are public adjusters. Legislators respect that viewpoint and pay attention to it. Both of their bills were born out of one or more communications from members raising fresh issues with surplus line endorsements and practices. Good things happen when members and the Board communicate with one another. All of this will be covered in the next meetings and communications.

At the TAPIA Fall 2023 Conference (October 9–11 in Corpus Christi), there will be further information concerning the application of the new legislation. On the TAPIA homepage, you may find additional information about the conference.

 

You may have recently received a notification outlining the additional costs associated with your flood insurance. According to insurance experts, the bulk of policyholders would be impacted by this rise. The Federal Emergency Management Agency declared a modification to have charges reassessed a few years ago. Since then, the cost of almost everything has increased.

That has worsened the problem. According to projections, 80% of Texans would pay upwards of $10 more per month or roughly $100 more annually when FEMA made revisions.

As opposed to what FEMA predicted, the Insurance Council of Texas claims that the majority of Texans are paying an additional $15 per month. Leaders claim that inflation is to blame. It has become necessary to raise insurance premiums in tandem with rising home prices.

The price you pay is affected by three factors, according to FEMA. Your proximity to a source of flooding, the frequency of your floods, and the expense of rebuilding your house all factor into this decision. Insurance industry representatives claimed that FEMA made the modifications because the previous method of calculating premiums was ineffective.

According to Rich Johnson, a spokesman for the Insurance Council of Texas, “In the past, they were actually paying out more in claims than they were getting in premiums, and that’s just not a way to do business.” 

Maybe you don’t have flood insurance if you didn’t receive a notice in the mail. The homeowner’s insurance you have is not included in this. Although it is hurricane season, you won’t immediately get a response if you call your provider. 30 days are needed. This is why it’s critical to make that decision right away.

How Long Does a Texas Home Insurance Claim Take?

You need money to pay for repairs as soon as possible if a calamity like a fire, hail, storm, or water damages your home. Insurance companies have strict guidelines for when you should pay your premiums, but they don’t use the same standards in cases where they are required to pay you instead of the other way around. The insurance claim procedure is governed by the Texas Department of Insurance; however, insurers don’t always abide by the regulations. When this occurs, you should always get advice from a knowledgeable Houston insurance claim attorney since you can be entitled to interest if your claim is not processed promptly..

What are the deadlines an insurance company must follow in Texas?

The business has 15 days from the time you notify them of the loss under the law before it must confirm receipt of your claim and begin an investigation. The firm will then dispatch an adjuster to assess the damage to your home. The insurance provider will be inundated with claims if a natural disaster strikes the area, and it can take them longer to send an adjuster to your home. You will also need to provide evidence of loss, an estimation of the cost of repairs, and a list of the things that were harmed by the covered incident.  The corporation may be employing delay strategies if it continually requests additional documentation or switches the adjuster in charge of your case. The only thing you can do is request that they call your Houston homeowners insurance attorney. The business has 15 days from the time you submit the necessary paperwork to accept or reject your claim. If the insurance provider provides a plausible justification for the delay, they are permitted to extend the response window to 45 days. For instance, the insurer has 30 days to accept or deny liability if they suspect arson.

When will I receive my insurance funds?

How long does it take to process a house insurance claim? Your claim must be paid by the insurance company within five days. If they don’t, there might be a valid reason for the holdup; however, if they’re just stalling, your attorneys will remind them that they’ll also be required to pay interest on that money. That might hasten the process a little. However, if the business denies your claim, wait for the denial letter and take it right away to your attorneys. You have the ability to appeal the judgment if your counsel determines that the denial was unfair.

Important Deadlines for Home Insurance Claims

The text of your insurance policy, which is essentially a contract between you and the insurance company, often governs time frames for filing claims more so than state regulations. Texas home insurance rules, however, offer assistance to insureds in the state of Texas. The time frame for insurance companies to reply to a claimant once they submit a claim is particularly governed by Texas Code 542.056.

How long do claims for home insurance typically take to process?

Check your policy for the dates for how long you have to file a claim if you sustain damage or a sizable loss. Keep in mind that there may be other smaller deadlines, such as those for submitting specific papers, in addition to this major date. Learn more about the deadlines for insurance claims on your policy.

Providing your insurance company with loss information

The majority of insurance plans require prompt or predetermined notification. In any case, it is advised to inform the insurer as soon as possible after learning of a loss. If a wait lasts too long, insurance firms frequently try to prevent homeowners from receiving money from an insurance claim. They can claim that the homeowner’s tardiness has “prejudiced” them and that forcing the insurance provider to deal with the claim now that so much time has gone by would be unjust.

Hurricane Season has officially begun and will finish on November 30th. Make sure you and your family are safe by having a strategy.

Plan beforehand

– In your home, write down the emergency phone numbers and post them on the refrigerator or close to each phone. Also, program them into your mobile device.

– Prepare a supply kit for emergencies.

– Find the closest shelter and the many routes you can use to travel there from your house. 

– Learn how to locate shelters in your area if they haven’t been established before a disaster.

– Pet Owners Determine in advance where you can take your pets in the event of an evacuation, such as pet-friendly hotels, out-of-town friends or relatives, or shelters. If you are asked to leave your house, local animal shelters might be able to advise you on what to do with your pets.

Collect supplies for emergencies

Gather everything you could possibly require. Be sure to prepare the following:

– A store of food and water for emergencies.

– An emergency supply of medication.

– Emergency power sources like flashlights (and additional batteries, of course).
both personal items and safety.

– Important papers, such as wills, passports, and personal identification documents.

– Extinguisher for fires. Make certain that your family is aware of where it is and how to use it.

– Read the recommendations for utilizing fire extinguishers from the National Fire Protection Association.

Understand the distinction between a hurricane “watch” and “warning.”

Check online, on TV, or the radio for National Weather Service advisories. Alerts come in two varieties:

– A hurricane watch indicates that hurricane conditions, defined as sustained winds of 74 mph or more, are possible in the designated area. 48 hours before they anticipate tropical cyclone-force winds (persistent winds of 39 to 73 mph) to begin, meteorologists issue hurricane watches.

– An advisory for a hurricane is more serious. It signifies that a specific area is likely to see hurricane-force winds. To give residents ample time to make preparations for the storm, experts issue these warnings 36 hours before tropical-storm-force winds are anticipated in the area.

– Visit the Hurricane Center of the National Weather Service for further details on hurricane watches and warnings. Upon learning that there is.

Prepare your Vehicle

Before the storm arrives, make sure your car is prepared.

– Fill the gas tank of your car.

– Transport vehicles under cover or into your garage.

– Keep an emergency kit in your car at all times.

– For details on how to get your automobile ready and what to put in your kit, go to Ready.gov.

– If you don’t have a car, think about arranging transportation with friends or family or contacting the authorities if you need to escape.

Prepare your family and pets

– Talk to your family members about your emergency plan.

– Keep monitoring for storm-related developments. Check the internet, watch TV, or listen to the radio.

– Concerning specific needs, contact the hospital, the public health agency, or the police.

– Get guidance on what to do if you or a loved one is elderly or incapacitated and won’t be able to go right away.

– Put agricultural and domestic animals in a secure location. Learn more about keeping pets safe in emergencies.

Prepare your house

– Organize your yard. Check your home for anything that can blow around during the storm and cause damage. Bikes, outdoor furniture, grills, propane tanks, and construction supplies should be moved inside or underneath the cover.

– Lock the doors and windows. To protect your windows, use storm shutters or staple pieces of plywood to the exterior window frames. This can protect you from shards of broken glass.

– Prepare to shut off your electricity. Turn off your power if you notice water, or downed power lines, or if you have to leave your home.

– Drinking water should be placed in clean water containers. This is something you should do in case the storm causes you to lose access to water. You can also restock your bathtub and sinks.

Prepare to evacuate or stay at home

– When officials say to evacuate or stay put, always heed their advice.

– Authorities may issue an order to evacuate (leave your home) if a hurricane is imminent. Never disobey a warning to evacuate. Even strong, well-constructed homes might not withstand a hurricane. Staying at home to preserve your possessions is not worth putting your health and well-being in danger.

– A request to stay at home can be heard. It could be safer to stay home if driving conditions are hazardous.