J. Ryan Fowler

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Texas Governor Suspends TWIA Rate Increase

The Texas Windstorm Insurance Association (TWIA) Board of Directors voted to increase rates for 2019 by 10% at the July 31st Board Meeting.1 TWIA then reported the proposed rate increase to the Texas Department of Insurance and the Commissioner of Insurance must approve the rate. The rate increase would go into effect for all policies … Continue Reading

Better Early Than Late

I often get asked: “Can I still file a lawsuit against my insurance company for my claim from. . . .” Like all good lawyers my answer is maybe. The reality is that the deadlines to file a lawsuit against an insurance company are controlled by the state law that applies to your claim and … Continue Reading

Hurricane Irma Claims Data Update

The Florida Office of Insurance Regulation recently released updated data from Hurricane Irma.1 A quick review of the data paints an interesting picture. While we all know that Irma did substantial damage in Florida, the sheer size of the numbers is still daunting. Almost one million claims have been reported (997,237) totaling over $10,000,000,000.00 in … Continue Reading

When Is “Too Late” for an Insurance Company to Invoke Appraisal?

I often take calls from potential clients and public adjusters frustrated with an insurance company that has denied, delayed and then underpaid a claim and then ultimately invoked appraisal. Often the insured or public adjuster states that multiple inspections have taken place with substantial correspondence between the parties and the question is, “can the insurance … Continue Reading

When Is a Demand for Appraisal Too Late?

I often hear from insureds that have been negotiating with their insurance company for a period of time when the insurer suddenly demands appraisal. The insureds do not want to go to appraisal and the first question is always, “Can the insurance company do that?” followed by “This claim has been going on for months, … Continue Reading

FEMA Relief for the Houses of Worship that Provide Hurricane Relief?

Hurricane Harvey brought unprecedented flooding and destruction to Texas. Three churches have sued the Federal Emergency Management Agency (FEMA) seeking the ability to be awarded disaster relief grants available to other non-profit entities. In Harvest Family Church v. FEMA, three Texas churches damaged by Harvey are taking on a FEMA policy that does not allow … Continue Reading
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