Blog Posts in March, 2023

• Posted By Dick Law Firm 30-Mar-2023

  Does Homeowners Insurance cover repairs to the Home's Structure?

  It is essential to understand whether or not homeowner's insurance covers structural damage to a structure, as it can be a significant issue. Read through your homeowner's insurance policy to determine what is and is not covered. What Is ...

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• Posted By Dick Law Firm 29-Mar-2023

  Does Your Insurance Policy Cover the Roof of Your Commercial Property?

  Many business owners believe their commercial insurance covers that roof damage. Understanding your commercial insurance policy properly will help you determine the extent to which it covers claims for roof damage, despite its extensive coverage. ...

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• Posted By Dick Law Firm 28-Mar-2023

  How Can I Get Cheap Business Insurance?

  Purchasing insurance for a small business can be costly. These strategies can help you choose the cheapest and most suitable small business insurance for your company: Shop around for the best deal. Compare the policies and quotes of several ...

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• Posted By Dick Law Firm 27-Mar-2023

  Do I Need Business Insurance As A Contractor?

  Depending on the nature of their work, general contractors may be required to carry a variety of business insurance policies. For instance, if your business owns a vehicle, you must obtain commercial auto insurance to comply with state regulations. ...

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• Posted By Dick Law Firm 26-Mar-2023

  What Is A Good Monthly Payment For Home Insurance?

  The average monthly cost of homeowner's insurance in the United States is $126, but prices vary substantially by state. The monthly average cost of home insurance ranges from $57 to $242, depending on the state in which you reside. Individual ...

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• Posted By Dick Law Firm 25-Mar-2023

  Does the Law Require Commercial Liability Insurance?

  A mistake can be extremely costly to a corporation in a litigious age. You may be responsible for attorney fees, court costs, and any damages your business creates. Commercial liability insurance is a sensible investment for this reason, but it is ...

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• Posted By Dick Law Firm 25-Mar-2023

  Purchasing the Right Amount of Liability Insurance

  The goods you create or sell could put someone's health at risk or wreck their property. In this scenario, your organization can be protected from potential harm by obtaining liability insurance. Suppose your company is organized as a limited ...

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• Posted By Dick Law Firm 24-Mar-2023

  Tips For Negotiating With A Property Claims Adjuster

  Tips For Negotiating With A Property Claims Adjuster A calamity is devastating, but you can mitigate financial loss if you know how to deal with an adjuster. It is crucial to realize that they work for the insurance company rather than for you. ...

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• Posted By Dick Law Firm 24-Mar-2023

  What Damages Are Recoverable in a Bad Faith Insurance Case?

  According to Chapter 541 and Chapter 542 of the Texas Insurance Code, when insurance companies adjust a customer's insurance claim, they owe the customer the common law and statutory duty of fair dealing and good faith, as well as a requirement ...

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• Posted By Dick Law Firm 23-Mar-2023

  Are There Penalties for not Having Workers' Compensation Insurance in Texas?

  There are no consequences for failing to carry workers' compensation because it is not needed. However, there are administrative penalties for failing to prominently post the Notice of No Coverage to Employees. Texas is the only state where ...

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• Posted By Dick Law Firm 23-Mar-2023

  What Exactly is a Bad Faith Insurance Claim?

  Despite the fact that insurance companies participate in commercial operations and have a contractual connection with policyholders, they are nonetheless required to be fair. They cannot unilaterally or irrationally make your life more difficult and ...

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• Posted By Dick Law Firm 22-Mar-2023

  How Does Texas Commercial Auto Insurance Work?

  Without commercial auto insurance, your company's legal and financial well-being could be at risk. In Texas, businesses with the own automobiles are required to carry at least auto liability insurance. If one of your company's vehicles causes ...

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• Posted By Dick Law Firm 22-Mar-2023

  What Are the Benefits of Having General Liability Insurance?

  General liability insurance safeguards a firm against the most prevalent dangers. This company liability insurance pays for legal fees if a customer is injured on your property or if you accidentally damage someone else's property. This coverage ...

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• Posted By Dick Law Firm 21-Mar-2023

  What is Commercial Auto Insurance and What Does it Cover?

  Commercial auto insurance is a business insurance coverage that protects your company against liability for damages caused by accidents involving your business automobiles and offers compensation to occupants injured in an accident. If your business ...

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• Posted By Dick Law Firm 21-Mar-2023

  What Commercial Property Factors Are Affecting Insurance Prices?

  The commercial property insurance industry continues to remain competitive. There are a number of contributors to the rise in commercial property insurance premiums. Devastating Losses The frequency and severity of extreme convective storms, ...

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• Posted By Dick Law Firm 20-Mar-2023

  Does Real Estate Appreciation Require Higher Homeowner Policy Limits?

  Individuals purchase homeowner's insurance to safeguard what is, for many families, the most precious possession. When the real estate bubble burst several years ago, many households experienced considerable losses in home equity. However, home ...

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• Posted By Dick Law Firm 20-Mar-2023

  Will Homeowner's Insurance Cover Damage Caused By Renovations?

  Renovating a home can be an exciting endeavor for those involved. Changing a kitchen, living room, or dining space can allow homeowners to express themselves as they see fit and maximize the livability of their residential property. However, suppose ...

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• Posted By Dick Law Firm 19-Mar-2023

  How Does Renters Insurance Protect Me From the Texas Freeze?

  Your renter's insurance won't protect you against the cold in the traditional sense. We have things like coats, gloves, and boots for situations like this. However, your insurance coverage will cover any damages that result from things ...

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• Posted By Dick Law Firm 19-Mar-2023

  Things to Keep in Mind When Filing a Freeze Insurance Claim in Texas

  Before submitting a claim, it is crucial to collect all the necessary information. Here are some important things to gather before filing: Capture Images of Everything As much as possible, attempt to save photographs of the damage to your home. These ...

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• Posted By Dick Law Firm 18-Mar-2023

  Is Commercial Insurance Tax Deductible?

  How to Deduct Your Company's Insurance Premiums Your policy premiums can be deducted from your taxable income since the IRS considers business insurance an expense of doing business. To benefit from the deduction, you will need to complete some ...

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• Posted By Dick Law Firm 18-Mar-2023

  Making Sure Your Business Has Enough Business Property Insurance

  Coverage for commercial insurance policies can range from the fundamentals, such as fire and vandalism, to a larger protection area. The amount of coverage required for a business's property may vary depending on the company's requirements. ...

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• Posted By Dick Law Firm 17-Mar-2023

  What Does Home Insurance Not Cover in the Winter?

  Flood damage, such as that caused by melting snow or severe rain, is not covered by an ordinary homeowner's insurance policy. FEMA's National Flood Insurance Program offers flood insurance coverage. Certain insurance also excludes coverage ...

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• Posted By Dick Law Firm 17-Mar-2023

  What is the 80/20 Rule in Homeowners Insurance?

  Some homeowner's insurance policies include inflation guard coverage, which helps cover the rising cost of construction supplies and labor. If you haven't made any improvements to your home since purchasing your policy, the insurance guard ...

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• Posted By Dick Law Firm 16-Mar-2023

  What Does Home Insurance Not Cover in the Winter?

  Flood damage, such as that caused by melting snow or severe rain, is not covered by an ordinary homeowner's insurance policy. FEMA's National Flood Insurance Program offers flood insurance coverage. Certain insurance also excludes coverage ...

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• Posted By Dick Law Firm 16-Mar-2023

  Tips To Avoid Filing A Home Insurance Claim This Winter

  When winter damage occurs to your house, you can claim with your homeowner's insurance to help pay for costly repairs. Keep in mind that filing a costly claim could result in an increase in your homeowner's insurance rate. Follow these ...

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