Our readers in Texas understand the basic concept of an insurance policy: the policyholder pays regular premiums and the insurance company pays any valid claims when necessary. Most people in Texas have home insurance, car insurance, health insurance, life insurance...
Delayed And Denied Insurance Claims
Once I file my insurance claim, how long do they have to respond?
For Austin, Texas, homeowners dealing with property damage, the expectation of a swift and equitable settlement from their insurance company is common. However, many find delays, denials or inadequate offers. The first question is often how long they have to respond...
Making sure a home insurance claim is assessed fairly
Given the recent weather-related insurance disputes, people in Texas are increasingly concerned about the limited options they have when they are seeking property insurance. Obstacles aside, it is imperative to have some form of insurance in case of a storm, fire,...
Understanding life insurance claim denials
Many people purchase life insurance to ensure their loved ones are financially protected when they pass away. A claim for payment under the policy may be denied, however. The beneficiaries of the policy may have an opportunity to appeal. Life insurance overview A life...
Appealing an insurance claim denial in Texas
Most Texans are familiar with the process of purchasing insurance. Once the need for insurance is identified, the person who seeks the insurance contacts an agent who sells the kind of policy (homeowners, automobile, business interruption and the like) and asks for...
Homeowners insurance is crucial in Texas
On its website the National Centers for Environmental Information's has a map noting every billion-dollar weather-related disaster in the United States so far in 2023. Calling a disaster a billion-dollar event means its damages are estimated to cost $1 billion or...
Filing a business interruption insurance claim
Business owners may encounter situations that are beyond their control which cause them to suffer serious financial losses. Business interruption insurance is intended to help a business cover loss from an event that interferes with their normal operations. Business...
Undergoing an examination under oath
If an insurance policyholder makes a claim, they may think that all they need to do is send the information to the insurance company and they’ll be done. In some situations, however, the insurance company may have the policyholder undergo an examination under oath...
Addressing a denied fire damage claim
Many people work years to afford to purchase a home so if it is destroyed or damaged in a fire, it can be devastating. The homeowner may assume that their homeowner’s insurance policy will pay for the repairs, but unfortunately, those claims are sometimes denied. Fire...
The right to appeal a denied health insurance claim
Dealing with insurance can be incredibly frustrating. You may have paid your insurance premiums for years only to find that when you need to pay for a medical procedure or prescription, your insurance denies your claim. What can you do in this situation? You're just...