Hurricane Harvey

Those affected by Hurricane Harvey may recall the massive and widespread flooding, tornado bursts, and extreme wind speeds reaching 130 mph or higher. To many, it is an overwhelming and still very present memory. Were you affected by Harvey? Hurricane Harvey hit Texas on August 25, 2017, as a Category 4 hurricane and caused widespread destruction throughout the greater Houston area and surrounding counties. Harvey’s one-year anniversary is around the corner and for some, that means the deadline to file your claim with your insurance provider is almost here.
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Do you have a home inventory? If not, do you know where to start? When disaster strikes, having a home inventory ready to submit may not only speed up your claims handling process, it may relieve the stress and the overwhelming burden of preparing one after the fact.
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“We hope this sentence sends a message that this conduct will not be tolerated in our county.”
—Matt Smid, Tarrant County Assistant Criminal District Attorney

According to the Tarrant County district attorney’s office, a Tarrant County judge sentenced Richard Livesay to five years in prison after he pled guilty to various charges including fraud and barratry for filing fraudulent hail claim lawsuits. Livesay reportedly would have received more than $300,000 had his fraudulent scheme not been uncovered.
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On April 18, 2018, the Texas Commissioner of Insurance issued Order No. 2018-5463, extending the deadline for a Texas Windstorm Insurance Association (TWIA) policyholder to demand appraisal on their Hurricane Harvey claim. Harvey made landfall in Texas and affected several parts of the Greater Houston area as well as several coastal areas from August 25 to August 30, 2017.
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With Harvey still in our rear-view mirror, many Houstonians and coastal Texans are fearing what the 2018 Hurricane and storm season will bring. Many policyholders are still fighting their insurance carriers to recover on their Hurricane Harvey claims. With numerous claims being denied or underpaid—several policyholders have not moved back into their homes due to the need for extensive repairs, leaving homes uninhabitable in the current condition. Others however are, for one reason or another, still living in their home although it is in dire need of repair. In either situation, many are left wondering if they will recover from Harvey in time to brace themselves and their home for the next storm.
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A common theme I have noticed lately is the tendency of homeowners, having just weathered a major natural disaster, to compare their ability to recover insurance proceeds to that of their neighbors. Wondering if you can recover alternative living expenses? Curious to know if you can recover for your sewage back-up claim? Rather than looking to your neighbor’s recovery for answers, make sure to check your homeowners insurance policy.
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I recently received a call from a frustrated homeowner following a fire that broke out in his family home while they were out to dinner. The despair he felt about the property damage was exacerbated by the fact that he was having trouble with his mortgage company releasing payments for the repairs. The homeowner wanted answers and inquired as to why the checks were sent to the mortgage company, not directly to him, in addition to the reason for incremental disbursements.
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TFPA’s mission is to efficiently provide essential residential property insurance products and services for eligible Texas policyholders when no one else will.”

Purpose and Operation

The Texas Fair Plan Association (TFPA) was created by the Texas Legislature to address growing concerns of obtaining residential property insurance coverage in underserved areas. TFPA was implemented in 2002 following a mold crisis. Due to an increase in mold damage claims and water damage claims—fewer policies were being written and renewed through the private market. Lack of available residential property insurance policies through the private market sparked a surge in the number of TFPA policies being written.
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Frying the turkey for Thanksgiving has become increasingly popular over other, more traditional, turkey-cooking methods. Are you considering frying your turkey bird for this upcoming Thanksgiving meal? If so, you may also want to consider the risks associated with this trending and flavorful frying technique.
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