Wilson Blog

California wildfires

California Wildfire Lawsuits Uncover Disaster

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.

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Texas Homeowners Insurance Crisis

Texas Homeowners’ Insurance Crisis

The cost of home insurance in Texas is skyrocketing, leaving many homeowners struggling to keep their coverage—or even questioning if they should keep insurance at all. A recent ABC13 Houston investigation found that insurance rates in the state have soared in recent years, with some homeowners seeing their premiums increase by 25% annually—a trend that has made homeownership more expensive and uncertain.

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Appellate Victory State Farm Chad Wilson Wins

Appellate Victory Over State Farm

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.

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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.

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