State Farm, California’s largest home insurer, is requesting a 30% rate increase on homeowners insurance. The company cites wildfire risks and rising reconstruction costs as reasons for the hike. However, advocacy group Consumer Watchdog has raised concerns about the fairness of these rates. Why is Consumer Watchdog criticizing State Farm?Read More

On August 5, 2024, Hurricane Debby made landfall in Florida, bringing 99 mph winds, a 6-foot storm surge, and dozens of tornadoes. The storm caused extensive flooding and wind damage, leaving thousands of homes and businesses demolished and tragically resulting in eight fatalities.Read More

Cosmetic Damage Exclusions & Property Litigation Recently proposed property exclusions have created intense debates among agents, adjusters, insurers and insureds. As chaotic weather conditions across the country continue to rise, these exclusions claim to focus on the type of roof damage in an effort to circumvent coverage.  Essentially, what the insurer deems as “cosmetic damage”...Read More

Victory: Texas Jury Awards Damages To State Farm Policyholder Over Unfair And Deceptive Practices Linda Veach first called her insurance company, State Farm, the day after a big and loud storm passed through Irving, Texas on June 6 of 2018. When she called to report her concerns, she was told that nobody from State Farm...Read More

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

Hailstorm Damage Puts Faith in Question The roof damage was so severe that our client submitted a homeowners insurance claim through his insurance provider, State Farm. After filing the roof damage claim, the insurer sent out their adjuster who inspected the property damage and determined there was none or below our client’s deductible. Blindsided by...Read More

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...Read More

Homeowner’s Insurance Claim Gets Back On Track Have you had storm damage and are now struggling with a homeowner’s insurance claim? Storm damage hits Mineola, Texas, a small community in Wood County about 80 miles east of Dallas. Mineola is a railroad town and can trace its roots back as far as 1873. With a...Read More

Windstorm Rips Through Plano June 9th, 2019 was a rough day in North Dallas. The region experienced powerful windstorms that toppled a crane, caused extensive damage to crops, and killed a young woman in Dallas. The massive amounts of ping pong ball-sized hail caused considerable roof damage to numerous properties and left thousands without power....Read More

Houston Women Blamed For Damage From Storm A Houston client was forced to sue her insurance company, Allstate, because of the mismanagement of her claim and the actions of Allstate’s engineer and two of their adjusters. Allstate underpaid the claim after our client was initially told that all storm damages would be covered. Allstate then...Read More