An insurance agreement is a contract between a policyholder and an insurance company. Most of the contracts spell out whose job it is to investigate the loss. Many policies track the language of the Texas Insurance Code respecting such duties. Even if the contract leaves out the “investigate” language (see below) in the “Our Duties After Loss,” they still owe the duty under Texas Insurance Code. […]
When and How to File a Bad Faith Insurance Claim
After suffering from injuries in an accident or damage to your property, you expect your insurance company to help and provide you with the compensation that you need. Unfortunately, there are times when insurance companies do not act in a fair and honest manner. Some ways in which insurance companies do not act in good faith include: Refusing to pay […]
Can My Insurance Company Cancel My Policy?
Oftentimes insurance companies will cancel policies without having the required reasons to do so. An insurance company is not allowed to simply cancel a policy out of the blue. Purchasing an insurance policy forms a contract between you and your insurance company. There are duties of the company along with the consumer when it comes to acting in good faith and following the terms of […]
Signs of Bad Faith Insurance
Insurance companies are supposed to act in good faith which means acting fairly to the people insured by their company. Unfortunately, many companies do not always treat their customers in the fair and honest manner that they should. There is also not much room for customers to negotiate the insurance offers. The law protects individuals against this disparate bargaining power […]
Was Your Hurricane Damage Claim Denied?
Hurricanes can be devastating experiences and they can result in severe damage. In Texas, insurance companies that provide coverage for hurricane damage are obligated to provide an insurance claim that is fair after damage is done due to a hurricane. Unfortunately, there are many times that people file claims to their insurance company and have them denied or receive the minimum coverage possible that does […]
The Texas Insurance Code Provides Remedies if Payments Are Delayed
Insurance premiums are one more obligation that responsible people remit every month to protect against losses involving automobiles, homes, businesses and health. When policy holders have paid what was due and then unexpected events trigger that insurance coverage, they have every right to expect what they paid for and not have to experience delays in payment. When an insurance company […]
Insurance is Essential for Businesses in Disaster-prone Areas
Any business can succumb to an unexpected disaster, and purchasing adequate property insurance coverage is important for every small business owner. But, in some parts of the country, floods, hurricanes, earthquakes, and other destructive natural phenomena present unique recurring threats. Business owners should carefully consider just what level of coverage is appropriate to offset normal risks, as well as whether […]
Beware of Your Mortgage Lender’s Practices
The housing crisis, economic downturn, and confusion regarding mortgages that have been sold to different banks again and again have created a climate ripe for mortgage abuse cases. Distressed homeowners, facing threats of potential foreclosure, are often unaware of lender abuses or unsure where to turn for assistance. Last month, Chase Home Finance LLC agreed to a settlement of over […]
The case for sobriety checkpoints in Texas: Part I
New Year’s Eve has come and gone. Though New Year’s Eve is notorious for the number of drunk driving accidents that occur on roads in Texas and across the nation on that day and deep into the night, December 31 is not the only night of the year that bears witness to devastating drunk driving accidents. In an effort to […]
Brasher Law Firm Continues Success in Recovering Damages for Church
The First Baptist Church of Vidor was still battling their insurance company over damages from Hurricane Rita when Southeast Texas was battered by a second massive hurricane-Hurricane Ike. Ike was as destructive as Rita on the Church’s buildings. The metal roof of the Fellowship Hall was peeled back by the high winds, allowing heavy rain to pour into the structure. […]
