Javier Delgado

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Waiver and Estoppel – Insurance Companies Must Assert Their Applicable Exclusion or Limitation When the Insured Makes the Claim

(Note: This Guest Blog is by Javier Delgado, an attorney with Merlin Law Group in the Houston, Texas, office. This is the eighth in a series he and fellow attorney Tina Nicholson will be writing on Texas property insurance issues). Often times, an insurance adjuster fails to properly investigate the damages to the insured risk … Continue Reading

Preparation For TWIA Depositions Are Underway

A recent order from Galveston County regarding the TWIA litigation specifically names the TWIA representatives who will be deposed and the manner in which the depositions will take place. Suffice it to say that it is no easy challenge preparing for these depositions (see attached order). As members of the Plaintiff’s Ike committee, the members … Continue Reading

The Art of Adjusting First Party Property Losses – Part 3, Inspections and Re-inspections

(Note: This Guest Blog is by Javier Delgado, an attorney with Merlin Law Group in the Houston, Texas, office. This is the eighth in a series he and fellow attorney Tina Nicholson will be writing on Texas property insurance issues). The ideal inspection process would have both the carrier’s adjuster and the public adjuster respect … Continue Reading

The Art of Adjusting First Party Property Losses – Part 2, Letters to your Adversary

(Note: This Guest Blog is by Javier Delgado, an attorney with Merlin Law Group in the Houston, Texas, office. This is the sixth in a series he and fellow attorney Tina Nicholson will be writing on Texas property insurance issues). Insurance adjusters will never tell you that [p]roperty damage estimates may look very rigorous, systematic, … Continue Reading

The Art of Adjusting First Party Property Losses – What Public Adjusters Should Know About Their Adversary and the Real World Results of the Public Adjuster’s Claim Handling Decisions

Yesterday, Michelle Claverol and I had the honor and privilege to speak before a large crowd of public adjusters at the Florida Association of Public Insurance Adjusters (FAPIA) Winter Conference. As Michelle and I were preparing for the presentation, "Tales From the Dark Side," it occurred to me...… Continue Reading

Current Status of TWIA Discovery for Hurricane Ike Claims in Galveston County

(Note: This Guest Blog is by Javier Delgado, an attorney with Merlin Law Group in the Houston, Texas, office. This is the first in a series he and fellow attorney Tina Nicholson will be writing on Texas property insurance issues). “WHAT DO YOU MEAN YOU CAN’T TELL ME EVERYTHING THAT YOU HAVE LEARNED ABOUT TWIA?” … Continue Reading
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