Denied or Underpaid Insurance Claim? Know What Your Policy Actually Covers
Have you ever looked at your homeowner’s insurance policy and thought, “I have no idea what any of this means”? If so, you’re not alone—and it could cost you.
Have you ever looked at your homeowner’s insurance policy and thought, “I have no idea what any of this means”? If so, you’re not alone—and it could cost you.
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.
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.
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.
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 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.