Hail can be one of the most destructive natural phenomena and the number and intensity of hail storms have been increasing as average...

A new report states that the U.S. Property and Casualty Insurance Market made over $100 billion dollars in net profits, setting a new...

Florida Court of Appeals guts policyholder verdict for failure to prove damages and failure to follow post loss conditions.

Storm season in Alabama has already been devastating this year. If your house or commercial property has been struck by one of the recent to

Before You Have a Loss Select a competent insurance broker. Look for someone specializing in commercial insurance , not an agent selling...

Last week I attended the spring meeting of the Texas Association of Public Insurance Adjusters. If you don’t know, public adjusters are adju

This post is part three in a three-part series in which I have discussed the appraisal process. The appraisal process is a method written...

Courts will usually enforce appraisal awards absent some conduct such as fraud or collusion. Since there are very few avenues for...

What is an Appraisal? Your commercial property insurance policy contains an important tool to help you resolve disputes with your...

When your claim is denied or underpaid, it can be hard not to be angry with your insurance adjuster. However, the more policyholders I...

I attended the WIND conference in Dallas TX last Tuesday. Unfortunately, my American Airlines flight had some difficulties and I was...

Business interruption coverage is a type of coverage found in many commercial property policies that seeks to reimburse a business owner...

The Devastation in California Our hearts go out to the thousands displaced by the Eaton and Palisades wildfires which to this point have...

In Ohio Casualty Insurance Company v. Patterson-UTI Energy, Inc., the Texas Supreme Court held that Texas courts must look to the...

Consumer Policies (ex. Home, Auto, Life, Renters) Choosing an insurance company today can be very confusing. Insurance companies spend...

A scarcity, winner-take-all mentality causes insurers to reduce coverage, raise rates, and commit bad faith by focusing on reducing...

Texas Needs to Adopt a Fortified Roof Program to Protect its Policyholders Today’s Houston Chronicle featured a very instructive piece on...

The Texas Windstorm Insurance Association Board met  on November 13 to review its budget. The TWIA provides wind and hail coverage  for...

Liberty National Tried to Pull the Bate and Switch on Its Cancer Policyholders In the late 1970s and early 1980’s, Liberty National...

State Farm policyholders rely on State Farm to pay what it owes under its policies…no more…no less. In addition, the amount that State...