Blog

• Posted By Dick Law Firm 24-Feb-2021

  Texas Winter Freeze 2021 Cost Texans $50 Billion

  The impact of Texas's destructive winter storm has been predicted to end up costing the area nearly $50 billion to recover. According to AccuWeather forecasters, the excessive amount will cover the cost of missed wages, the repair of damage to ...

  Continue Reading
• Posted By Dick Law Firm 23-Feb-2021

  Why Blackouts Struck Texas

  Texas power outages: why blackouts struck as temperatures went down. And why some unfairly blame solar and wind for the significant outages. Texas' power grid was on the brink of collapse after a cold snap brought record low temperatures, snow, ...

  Continue Reading
• Posted By Dick Law Firm 22-Feb-2021

  What kind of damage did the winter storm 2021 do?

  The devastating economic toll from broken water pipes, downed trees, wrecked cars, and related weather-induced damage is becoming evident as thawing temperatures begin to release Texas from the record-breaking deep freeze that has engulfed the state ...

  Continue Reading
• Posted By Dick Law Firm 22-Feb-2021

  ERCOT Energy Failure

  On Sunday night, as the Arctic air swept south across the Great Plains, Texas power plants began to flicker offline. Wind generation fell by 32 percent between 9 p.m. It's Sunday and 3 a.m. Local time on Monday, according to the U.S. Data on the ...

  Continue Reading
• Posted By Dick Law Firm 21-Feb-2021

  Historic Texas Freeze Damage

  Property insurers face an estimated $18 billion in losses to homes and businesses during a long period of frigid weather in Texas and many other states, equal to a large hurricane, according to a leading risk modeling company. About half of the ...

  Continue Reading
• Posted By Dick Law Firm 20-Feb-2021

  Will a Pipe Freeze Claim Exceed Your Deductible?

  Should You Make a Freeze Claim? Please keep in mind when reading this article that due to the Covid-19 pandemic and the extent of the Texas freeze, costs can be significantly higher. State Farm: $60 million paid on 2020 freezing pipe claims with $15k ...

  Continue Reading
• Posted By Dick Law Firm 20-Feb-2021

  Pipe Burst Insurance Claims in Texas

  For a lot of homeowners, the brutal temperatures outside could lead to a nightmare inside. We see pipes explode throughout the Houston area because of the cold weather. The damage was caused from Midtown to Missouri City, from apartments on the East ...

  Continue Reading
• Posted By Dick Law Firm 19-Feb-2021

  Are frozen pipes covered by insurance?

  Frozen pipes can create real home damage. It's all bad news, from a full flood to significant water damage. The only worse information that could come along will be the news that your insurance provider refuses to pay for the damage. Though this ...

  Continue Reading
• Posted By Dick Law Firm 18-Feb-2021

  Houston Pipe Burst Insurance Claim Info

  So during the arctic freeze, the water pipes break. What do you have to do? Thanks to the winter weather, the Insurance Council of Texas expects hundreds of thousands of insurance claims, including vehicles, houses, landlords, and companies. Experts ...

  Continue Reading
• Posted By Dick Law Firm 17-Feb-2021

  Houston Frozen Pipe Claims

  Frozen Pipes Insurance Claim Houston Texas Winter weather can make the homeowner's worst nightmare—frozen pipes When water freezes, it increases by about 9%. This causes increased pressure in your home's pipes, which can lead to ...

  Continue Reading
• Posted By Dick Law Firm 16-Feb-2021

  Does Home Insurance Pay for Frozen Pipes?

  Is insurance Going to Pay for Frozen Pipes? The response is yes but the insurance company may deny a portion of your claim. You need to consider the insurance carrier's response as the homeowner. Please keep in mind you have rights to disagree. ...

  Continue Reading
• Posted By Dick Law Firm 15-Feb-2021

  Duty to Cooperate Insurance Clauses

  The insured must cooperate with the investigation and handling of the claim by the insurance company. The insured has a contractual obligation to cooperate with the insurer to investigate and handle the claim. However, the insured is never obliged to ...

  Continue Reading
• Posted By Dick Law Firm 15-Feb-2021

  Can Homeowner's Insurance Cover Damage from Frozen Pipes?

  Can Homeowner's Insurance Covers Damage from Frozen Pipes? Throughout the winter, homes are vulnerable to the possibility of bursted pipes. Pipe bursts typically occur when the water inside the pipe freezes and expands, building the pipe's ...

  Continue Reading
• Posted By Dick Law Firm 14-Feb-2021

  Home Water Damage Recovery What Should Insurance Pay

  Don't Make Assumptions. Don't make assumptions that you will be denied. Although some instances involving burst pipes would be covered by insurance, there are various factors why the insurance company might try to refuse coverage. It is ...

  Continue Reading
• Posted By Dick Law Firm 14-Feb-2021

  Proof of Loss Requirement

  Proof of Loss Requirements Most of the first party property policies require the insured to submit a sworn proof of loss form to the insurer within a certain period, either after the loss or after the insurer has provided evidence of loss form. ...

  Continue Reading
• Posted By Dick Law Firm 13-Feb-2021

  The Duty to Document Your Loss

  Documenting Your Loss If the insured was prudent and prepared, before the loss, an inventory of the contents or a photograph of the contents, the insured should provide the insured with a list and photograph or videotape. The insured and the adjuster ...

  Continue Reading
• Posted By Dick Law Firm 12-Feb-2021

  Insured's Duty to Protect Property from Further Damage

  Protecting all property from further damage Each policy on the first-party property allows the insured to protect the property against further damage. The insured should also turn off any water flow to damaged appliances or pipes, plan for openings ...

  Continue Reading
• Posted By Dick Law Firm 11-Feb-2021

  The Insurance Carrier's Adjuster

  The first experience with the insurance company's adjuster. The first contact between the insured and the insurance adjuster is generally a conversation based on the cause of the loss, the nature of failure when the loss was found, and whether ...

  Continue Reading
• Posted By Dick Law Firm 10-Feb-2021

  When does the home insurance company respond?

  Home Insurance Company's Response The insurer should respond to traditional damage claims by written or verbal contact within 24 hours of the insured's notification of the appeal. The insurer should exchange details on emergency repairs, ...

  Continue Reading
• Posted By Dick Law Firm 9-Feb-2021

  Notice of Loss

  What's a Loss Notice? Suppose you suspect that the property that is the subject of the homeowner's insurance has been impaired or lost by a policy danger insured. In that case, the insured should immediately (or as soon as possible after ...

  Continue Reading
• Posted By Dick Law Firm 8-Feb-2021

  Presenting a Home Insurance Claim

  A Claim Presentation If a wildfire damages the insured's house, accidental fire, windstorm, flood, hurricane, or earthquake, or declared a disaster due to the state. Suppose, before a loss, the insured acquired it. In that case, the insured will ...

  Continue Reading
• Posted By Dick Law Firm 7-Feb-2021

  What is a summary of property coverage?

  Property Coverage Summary If it comes to homeowner compensation, the homeowner requires adequate protection after a failure to cover the expense of the following: 1. Reconstruction of the structure of the residential and attached buildings; 2. ...

  Continue Reading
• Posted By Dick Law Firm 7-Feb-2021

  State Farm Losing Market Share in Texas

  State Farm losing market share in Texas State Farm, for decades the number-one auto insurer in the US, may soon be playing GEICO's second fiddle. Also, State Farm has seen drastic declines in market share for home insurance and will likely lose ...

  Continue Reading
• Posted By Dick Law Firm 6-Feb-2021

  Reviewing your declaration page

  What are the Various Kinds of Home Insurance Plans? The kind of home you buy can decide the type of coverage provided. The HO-2 is a simple named-peril scheme, ensuring unique perils are protected. Personal property policy is essential, although ...

  Continue Reading
• Posted By Dick Law Firm 5-Feb-2021

  How do I read a home insurance policy?

  How do I interpret and comprehend a home insurance contract? Your house is one of your most significant properties, and a homeowners insurance policy plays a big role in shielding your family from financial damage. If you have a mortgage on your ...

  Continue Reading