Blog Posts in August, 2023

• Posted By Dick Law Firm 31-Aug-2023

  Does My Homeowner's Insurance Cover Damage Caused By Natural Disasters?

  Homeowner's insurance typically covers damage caused by a range of natural disasters, but the extent of coverage can vary based on the specific terms and conditions of your policy. Most standard homeowner's insurance policies provide coverage ...

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• Posted By Dick Law Firm 31-Aug-2023

  Do All Types Of Claims Have The Same Impact On My Insurance Rates?

  No, all types of claims do not have the same impact on your insurance rates. The impact of a claim on your insurance rates depends on various factors, including the type of claim, the severity of the incident, your overall claims history, and the ...

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• Posted By Dick Law Firm 30-Aug-2023

  Can I Make Improvements To My Property To Qualify For Lower Insurance Rates?

  You can make improvements to your property to potentially qualify for lower insurance rates. A lot of insurance companies offer discounts or reduced premiums to policyholders who take proactive steps to mitigate risks and enhance the safety and ...

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• Posted By Dick Law Firm 30-Aug-2023

  How Do I Assess The Risk Of Natural Disasters In My Area, And How It Affect My Insurance Rates?

  Assessing the risk of natural disasters in your area involves evaluating the likelihood and potential impact of various hazardous events. This assessment plays a significant role in determining your insurance rates and coverage options. Here's ...

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• Posted By Dick Law Firm 29-Aug-2023

  What Is Commercial Liability Insurance?

  Commercial liability insurance, often referred to as general liability insurance, is an imperative form of coverage designed to secure businesses from a wide range of third-party claims and lawsuits. It provides financial protection in case a ...

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• Posted By Dick Law Firm 29-Aug-2023

  Is There A Cap On How Long You Can Stay With A Home Insurance Company?

  There is generally no specific cap on how long you can stay with a home insurance company. Homeowners have the freedom to maintain their insurance policy with a particular company for as long as they choose, as long as they continue to pay their ...

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• Posted By Dick Law Firm 28-Aug-2023

  How Does ERCOT's Performance Affect Insurance Rates Or Coverage Availability

  ERCOT's (Electric Reliability Council of Texas) performance can indirectly influence insurance rates and coverage availability in Texas due to its impact on power supply, infrastructure, and the frequency of events that might lead to insurance ...

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• Posted By Dick Law Firm 28-Aug-2023

  How Long Does a Bad Faith Lawsuit Take?

  The duration of a bad faith lawsuit varies depending on several factors, including the complexity of the case, the legal processes involved, the court's docket, and the willingness of the parties to negotiate or settle. A bad faith lawsuit is a ...

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• Posted By Dick Law Firm 27-Aug-2023

  How Do I File A Claim For Roof Repairs Under My Home Warranty?

  Filing a claim for roof repairs under your home warranty involves a series of steps to ensure that the process is smooth and efficient. Here's a guide on how to file a claim for roof repairs under your home warranty: Review Your Home Warranty ...

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• Posted By Dick Law Firm 27-Aug-2023

  Can My Insurance Premiums Increase If I Sue for Bad Faith?

  Whether or not your insurance premiums will increase if you sue for bad faith depends on various factors, including the outcome of the lawsuit, the laws and regulations in your state, and the insurance company's policies. Let's explore the ...

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• Posted By Dick Law Firm 26-Aug-2023

  What Is The Typical Coverage Period For Roof Repairs Under A Home Warranty?

  The typical coverage period for roof repairs under a home warranty can vary depending on the specific terms of the warranty and the provider you choose. Home warranties often offer different coverage durations for various components of your home, ...

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• Posted By Dick Law Firm 26-Aug-2023

  Why Do Some Insurance Companies Act In Bad Faith?

  While most insurance companies operate ethically and fulfill their contractual obligations diligently, some may engage in bad faith practices. Bad faith refers to actions or behavior by an insurer that demonstrate a lack of honesty, fairness, and ...

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• Posted By Dick Law Firm 25-Aug-2023

  Does Home Insurance Cover The Same Things As A Home Warranty?

  Home insurance and a home warranty provide different types of coverage and serve distinct purposes, although there may be some overlap in what they cover. Recognizing their differences can help you make informed decisions about protecting your home ...

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• Posted By Dick Law Firm 25-Aug-2023

  How Would I Know If My Insurance Claim Was Underpaid?

  Determining whether your insurance claim was underpaid requires careful review and analysis of your insurance policy, the claim settlement, and the details of the loss or damage. Here are some steps to help you assess if your insurance claim was ...

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• Posted By Dick Law Firm 24-Aug-2023

  Do I Need Both A Home Warranty And Home Insurance?

  Whether or not you need both a home warranty and home insurance depends on your needs, preferences, and willingness to take risks. Both types of insurance protect your house, but they do so in different ways and cover different parts of being a ...

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• Posted By Dick Law Firm 24-Aug-2023

  What If My Insurance Claim Isn't Enough To Make Repairs To My Business?

  Suppose your insurance claim isn't enough to cover your business's full cost of repairs. In that case, you may find yourself in a challenging financial situation. Dealing with property damage or business interruption can be stressful, and ...

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• Posted By Dick Law Firm 23-Aug-2023

  Do I Need To Readjust My Home Insurance Once I Have Kids?

  Yes, it is important to readjust your home insurance once you have kids. The addition of children to your household brings new considerations and potential risks that may require updates to your home insurance policy. Here are several reasons why you ...

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• Posted By Dick Law Firm 23-Aug-2023

  Does A Home Warranty Cover Roof Repairs Or Replacements?

  A home warranty typically covers certain components of a home's major systems and appliances, but coverage for roof repairs or replacements can vary depending on the specific terms of the warranty and the provider. In general, most standard home ...

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• Posted By Dick Law Firm 22-Aug-2023

  What Are Insurance Coverage Gaps?

  Insurance coverage gaps refer to situations where there are deficiencies or exclusions in an insurance policy that leave certain risks or losses unprotected. These gaps can arise due to various factors, such as policy exclusions, inadequate coverage ...

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• Posted By Dick Law Firm 22-Aug-2023

  What Happens if I Fail to Disclose Rental Activities to My Home Insurance Provider?

  Failing to disclose rental activities to your home insurance provider can have significant consequences and may result in the denial of coverage or the cancellation of your policy. When you fail to inform your insurance company that you are renting ...

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• Posted By Dick Law Firm 21-Aug-2023

  Why Doesn't Home Insurance Cover Wear and Tear Issues?

  Home insurance is designed to protect homeowners from sudden and accidental damage or losses to their property. It is not intended to cover issues related to wear and tear or normal aging of the home. Here are a few reasons why wear and tear issues ...

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• Posted By Dick Law Firm 21-Aug-2023

  What Does Home Insurance Cover for Rental Properties?

  Home insurance for rental properties, often referred to as landlord insurance or dwelling fire insurance, provides coverage to property owners who lease out their homes to tenants. This type of insurance offers protection for various aspects of the ...

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• Posted By Dick Law Firm 20-Aug-2023

  What Are Some Reasons My Commercial Insurance Claim Was Denied?

  Denying a commercial insurance claim can be frustrating and financially challenging for businesses. Insurance companies thoroughly investigate claims to determine their validity and coverage eligibility. There are several reasons why a commercial ...

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• Posted By Dick Law Firm 20-Aug-2023

  How Does Insurance for Rental Properties Differ from Home Insurance for Owner-Occupied Homes?

  Insurance for rental properties differs from home insurance for owner-occupied homes in several ways due to the distinct risks and responsibilities associated with each type of property. Here are the key differences between the two types of ...

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• Posted By Dick Law Firm 19-Aug-2023

  Houston Lawyer Eric Dick Charms Audiences with His New Comedic Radio Spot

  Houston, Texas - Eric Dick, renowned for confronting deceitful insurance companies, has stirred laughter among Houston residents with his fresh radio spot, "Send In a Dick." Airing solely in Houston, the advertisement seamlessly blends ...

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